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Kidney Cancer Life Insurance

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Kidney Cancer Life Insurance, Critical Illness Cover and Income Protection

The Insurance Surgery is a leading insurance and personal protection expert for all types of Cancers such as Kidney Cancer life insurance, critical illness cover and income protection. Often it can be difficult to get personal protection policies where there is a history of cancer and terms can vary dramatically from one insurance provider to another depending on their underwriting criteria and their attitude to risk on Kidney Cancer. In most cases there will be certain requirements which will then determine how much you will pay and what covers are available for Kidney Cancer life insurance, critical illness cover and income protection.

If you have applied for Kidney Cancer life insurance, critical illness cover and income protection in the past and been declined, deferred or been offered terms then you should contact one of our team of experts.

How Kidney Cancer life insurance, critical illness cover and income protection works

The main factors which will be taken in to consideration when any underwriters are reviewing an application for Kidney Cancer life insurance, critical illness cover or income protection are:

  • Age when diagnosed
  • Any chemotherapy or radiotherapy
  • Stage and grade
  • Date of primary treatment
  • How many lymph nodes affected

If you need help or advice about Kidney Cancer life insurance, critical illness cover and income protection then you should contact one of our experts to find out more. We have helped thousands of people with pre-existing medical conditions such as Kidney Cancer to get life insurance, critical illness cover and income protection to protect their families, homes and businesses.

 

Kidney Cancer life insurance

Anyone with a history of Cancer will find that there will be additional underwriting requirements for any type of personal protection cover and Kidney Cancer life insurance is no exception. In almost all cases when applying for Kidney Cancer life insurance you will be required to provide copies of your medical records from your GP or specialist as well as provide any additional information regarding your condition, health and treatments.

Some of the main factors which will determine the premiums that you will pay for Kidney Cancer life insurance are:

  • How old were you when you were diagnosed with Kidney Cancer
  • What was the grade and stage of your Cancer
  • How many lymph nodes were affected
  • What treatment did you receive (e.g. Chemotherapy or Radiotherapy)

You may find that if you have previously applied for Kidney Cancer life insurance that you could be able to reduce your premiums on your existing cover if there have been no further issues since then. As with any other type of Cancer for life insurance, the longer you have had since you were diagnosed with or treated for the condition the lower your premium loadings will usually be.

Premiums for Kidney Cancer life insurance can vary dramatically from one insurance company to another and will depend on your medical history. Premium loadings for this type of cover can vary from standard rates with no exclusions to anything up to a decline decision in more severe cases or recent diagnosis.

 

Kidney Cancer critical illness cover

If you have previously suffered from Kidney Cancer and you need critical illness cover then you should in most cases be able to at least get cover. Almost always you will be required to provide copies of your medical records or reports from specialist to provide evidence of your medical history for underwriters to assess your application. Most applications that we see for Kidney Cancer critical illness cover will have at least a small premium loading which can vary depending on severity and provider.

For more severe cases you may find that applications for Kidney Cancer critical illness cover could be subject to higher premium loadings and possible exclusions which will very often be cancer exclusions.

If you have applied for Kidney Cancer critical illness cover and your application was declined or your cover was accepted with premium loadings/exclusions then you should speak to one of our specialists.

 

Kidney Cancer income protection

It is also possible to get Kidney Cancer income protection where the cancer was either low grade or if a long period of time has passed since you were diagnosed/treated. If your diagnosis or treatment was more recent then you will often find that Kidney Cancer income protection is either not available or a larger premium loading may apply.

The level of any premium loading for Kidney Cancer income protection will depend on the severity of the cancer (e.g. Grade and Stage) as well as how many lymph nodes were affected. There may also be exclusions which will be applied to your offer of cover which can also vary depending on which insurer you apply to and all the other factors above.


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If you are looking for advice or a quote for Kidney Cancer life insurance, critical illness cover and income protection then you should contact one of our team of insurance experts.

 

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