subject: Cancer Sufferers And Health Insurance Cover [print this page] Cancer Sufferers And Health Insurance Cover
Cancer sufferers are no longer restricted in the treatment that they can have as health insurance companies will provide them with the cover the need to fight the sickness. Sufferers have found that their applications have been rejected as they are seen to be too risky. Former sufferers were also refused as the likelihood of the disease returning is far too great for them to be accepted. The costs involved are substantial and can cripple people even more than the sickness. There are numerous ways to treat cancer and they are all covered.
Chemotherapy
Radiology
Alternative medicine
Drug therapy and
Use of new technology
These and other treatments are now covered; however, not all insurers will accept your case. Many kinds of cancers are looked at and assessed. Breast, lung, brain tumours, skin and pancreatic cancer are all looked at even if the disease is terminal. New technology gives sufferers hope that they can survive the nasty side effects of current treatment methods. Chemotherapy sessions are painful; however, health cover makes the physical discomfort more tolerable. Hospices are likely covered as they make sufferers feel at home. The cost is astronomical and beyond the reach of most people. Heath cover lets you have professional care.
Scientific research is also covered as geneticists and other scientists find a cure for the disease. Progressive companies recognise the importance of offering cover to people who genuinely need it. Thorough investigations help decision makers to decide if a case is genuine.
Bank and other financial checks
Medical reports
Employment history
Address and
Residency status
Employment history is particularly important as cancer sufferers alter their status or have extended leave as they fight the sickness. Insurance compensates sufferers for their inability to work. Compensation is essential particularly if the cancer progresses and spreads throughout the body. Medical reports are also significant as they detail the severity of the cancer. Physicians make recommendations concerning their patient's disease and the need for constant care. Health cover can be used to top up funds from the national health system (NHS).
Some companies have provisionary clauses that tell sufferers if they are covered as well as how much compensation they are likely to receive. The provisions are usually contained in the fine print and should be explained to cancer sufferers.
Learn which medication is covered and which are not.
Limited cover is permitted depending on the risk
Cancer sufferers require a variety of treatments to help them fight the disease. Chemotherapy, radiology and operations are a few of the methods used to rid the sufferers body of the cancer and survive. Progressive companies investigate cases to see if sufferers genuinely need compensation. Medical reports, employment history and financial checks are used to assess the validity of each case. Terminal cancer sufferers are not excluded as companies analyse his or her risk. In conclusion cover is used to top up social health funds for breast, lung and skin cancer sufferers.
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