Is it too late to get insurance if I’ve been diagnosed with Cervical Cancer?

September 21, 2018

Although most cases of cervical cancer are diagnosed in women under the age of 50, some cases have been in those younger than 20, even though very rare.  But those women who undergo routine Pap tests are less likely to be diagnosed with mid or late stage cancer.

Introduction to Cervical Cancer

This type of cancer can be caused by a number of factors, best described HERE.  Insurers assess their risk by its severity, or invasiveness, and aggressiveness.  Stage I is localised to the cervix, while Stage IV extends beyond the pelvis.  The staging is therefore critical to whether insurance can or cannot be offered.

What will the insurer want to know?

For the insurer to decide whether or not they can offer you any type of insurance, here are some of the questions they will want answers to:

  • When were you first diagnosed with cervical cancer? 

  • What stage was/is your cancer?

  • What was your last date of treatment? 

  • How was the cervical cancer treated?

  • Are you currently being treated?

  • Do you have any major health issues other than cervical cancer?

Providing a copy of your Cancer Specialist’s notes as well as the Histology Report will speed up the process.

What can I expect?

For patients with cancer, it will be difficult to find insurance, especially if you are currently being treated.  Depending on the Stage, with no further evidence of cancer and adequate routine follow-up care, here is what may be expected:

  • Surgically treated Carcinoma in situ – normal premiums are possible?  For disability, trauma or health insurance, an Exclusion is probable. 

  • Stage 1a tumor – an increased premium, and/or Exclusion.

  • Other than Stage 1 but localized tumor – an increased premium and/or Exclusion. 

  • Stage II, III, or IV – insurance cover will be deferred, or not offered at all.

What if I can’t get cover?

Firstly, if you work for a large employer and they offer staff insurance through a Group Scheme, you will be able to get unrestricted insurance covers up to the limited amounts.

Alternatively, some insurers offer life insurance cover where no claims will be paid until the policy has been in-force for 2 or 3 years old.  The amount is up to $50,000 so this is another option you should consider.  Some cover may be better than none at all!


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