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Basal Cell Carcinoma life insurance

Basal cell carcinoma is the most common form of not only skin cancer but of all cancers overall. If you are looking for basal cell carcinoma life insurance but have been put off applying, you aren’t alone. It is common for people to assume that it won’t be available, costs too much, or won’t payout.

The truth is that not all insurance providers treat basal cell carcinoma the same, so the key is knowing who to speak to. Our team of life insurance experts is amongst the top in its field in the UK for people living with medical conditions such as basal cell carcinoma.

According to recent statistics, about 80% of all skin cancers diagnosed in the UK are basal cell carcinomas.

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  • There are currently approximately 3 million cancer cases in the UK
  • Every year, there are around 375,000 new cases
  • Every 90 seconds, someone in the UK is diagnosed with cancer

YES – if you pass away from basal cell carcinoma or a complication of it, then your life insurance policy would pay out a lump sum to help your family stay looked after.

Life insurance policies are based on your health at the time you apply for the cover, which means they include any pre-existing medical conditions as well as any future diagnoses, such as basal cell carcinoma.

This also means that life cover is cheaper the earlier you apply for it, as you’ll be younger and in better health than later in life.

Life insurance is generally used for the following reasons:

  • Clear your mortgage
  • Pay off debts or loans
  • School fees
  • Costs of living (e.g. bills and utilities)

Anyone who already has a life insurance policy in place will be able to claim for future problems linked to basal cell carcinoma.

Does critical illness cover payout for basal cell carcinoma?

YES – if you take out a critical illness cover policy and then get diagnosed with basal cell carcinoma later down the line, it will trigger a payout on your policy.

Cancers are the most common cause for claims on critical illness cover policies with a whopping 60% of all critical illness payouts being due to cancers.

If you have already been diagnosed with basal cell carcinoma, there is still cover available. It’s best to speak to an expert who can evaluate your needs and determine the best option for you.

Will income protection payout for basal cell carcinoma?

YES – income protection policies are usually designed to cover your salary for a period of 12 or 24 months if your doctor signs you off work due to basal cell carcinoma.

Several options are available so it’s important to consider which policy will best suit your needs and budget.

Income protection can be used to pay for:

  • Mortgage and rent payments
  • Bills and outgoings
  • School fees
  • Medical treatment

Many income protection policies come with specific services that are designed to support people through a cancer diagnosis, as it can be an extremely distressing and difficult time, especially for those with children or dependents.

You can access some of these benefits and services through your insurance provider to help you through these periods.

Income protection policies can also contain services intended to help you return to work quicker. Some insurance providers offer therapies and other services that can give you extra support through your return to work.

Can I get life insurance after skin cancer?

YES – you should be able to get life insurance after a skin cancer diagnosis, especially if it happened several years ago.

When looking at skin cancer life insurance options, there are several stages to consider. These include:

  • During treatment: your options for life insurance through this period can be limited to some specialist products which can at least offer some cover rather than none. Most of these policies will exclude cancer but can give you peace of mind that you’re still covered for other events
  • Post-treatment (e.g. Chemotherapy or Radiotherapy): After you’ve received treatment then there will be a period of usually 12 or 24 months where you’ll still have limited options for cover. This still gives you some options and doesn’t mean that you’ll need to pay high premiums for these types of policies.
  • Remission: Once you’ve completed your treatments and have been in remission for some time (usually 2 years), then you should be able to get covered through standard insurers. Options will become cheaper and easier as you go further down the line through your remission (e.g. 2 to 5 years).

After you’ve been diagnosed with skin cancer, your premiums will depend on various elements. Some common ones apply to all life insurance policies which include:

  • Age
  • Sum assured (amount of cover)
  • Term (length of policy)
  • Smoker status

These will determine what your insurance premiums will be for the normal parts of the policy, and these will be combined with skin cancer-specific elements such as:

  • Date of diagnosis
  • Treatment (e.g. radiotherapy, chemotherapy, excision etc.)
  • Grade and Stage
  • Lymph nodes affected (spread)

Usually, yes. Your insurer will ask you to provide a medical report (GP report) to assess your application. This is completely normal and should all be done by your adviser as part of their service.

The two main types of medical evidence requests are:

  • GP report
  • Nurse screening

Don’t worry – these will be paid for by the insurer and will help to give them the information that they need to complete the underwriting process.

There are several things to consider that can help reduce your premiums and keep the cost of cover down.

Some of the most important aspects to take into account for affordable basal cell carcinoma life insurance are:

  • How much cover do you need?
  • What’s the cover for? (e.g. family or mortgage)
  • How long do you need the cover to last?
  • Can you change your lifestyle? (e.g. diet or exercise)
  • Are you a smoker?
  • Have you recently received treatment or surgery?

Factors linked to basal cell carcinoma

There are numerous environmental and physiological factors that can be linked to basal cell carcinoma and several conditions that can lead to it.

  • Chronic sun exposure
  • Radiation therapy
  • Fair skin
  • Increasing age
  • A personal or family history of skin cancer
  • Immune-suppressing drugs
  • Exposure to arsenic

Here are a few of the most common questions about basal cell carcinoma and living with the condition.

What is the survival rate for basal cell carcinoma?On average, the 5-year survival rate post-diagnosis of people who have basal cell carcinoma is 100% – which means that all people diagnosed with the condition generally survive at least 5 years.
What does the beginning of basal cell carcinoma look like?Basal cell carcinomas usually show up as a small, smooth bump like a mole, but can be flesh-coloured or occasionally dark.

However, they can also appear as shiny patches of skin that are slightly scaly and pink or red. You should also be wary of hard, waxy skin growths.
What will happen if basal cell carcinoma is left untreated?Basal cell carcinomas can grow to be quite large if left untreated and can cause disfigurement. Rarely, they can also spread to other parts of the body and become life-threatening.

Useful resources

Here are a few useful links for people living with basal cell carcinoma or looking for more information about it:

Cancer Research UK – Charity

NHS Choices – Non-Melanoma Skin Cancer

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