At a recent forum in Wellington, we heard from an insurance expert about helpful hints regarding insurance after a cancer diagnosis. People often come into the Cancer Society to ask us about this, so we felt it would be a good idea to share their tips.

  • For travelling, Australia and the United Kingdom have a reciprocal arrangement for health care. (Although on route to the UK can be a problem)
  • Regular travel insurance can be used- will not cover any pre-existing conditions but still useful for everything else- accident, infection, lost luggage etc
  • Any pre-existing condition should be disclosed, even if it was years ago
  • If you haven’t had any treatment in the last 3 months- there is a product that will cover you from IMG( International Medical Group)
  • Medical insurance will have a limit and may not be 100% cover.
  • If you have a terminal condition, you will not be able to get a new life insurance policy
  • If you are in remission, you will be able to get life insurance- if less than 3 years there will be no cover, but full payment after 3 years.
  • If you have a terminal diagnosis, all life insurance policies should pay out.
  • If you are caring for someone with cancer and may need to stop work to do so, income protection insurance is a good idea.
  • It is a good plan to have joint ownership of all insurance policies if you have a partner.
  • Never change to a new policy if you have pre-existing conditions.
  • Consider increasing your excess to keep premiums down as you age
  • Get an enduring power of attorney…and have a will!
  • Your birth and marriage certificates will be needed to get policies.

For more information about these tips or specialty insurance companies, please contact 0800 226237 or info@cancersoc.org.nz

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