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Our cancer pledge
We understand the importance of providing extensive cover and support at every stage of cancer treatment. Our cancer pledge means we’ll cover the cancer treatment and palliative care required, as recommended by your employee's specialist, should they ever have to make a cancer claim.
We also want to make things as comfortable as possible during cancer treatment, so we’ll provide extensive cover for aftercare, including consultations with a dietician, as well as money towards prostheses and wigs.
What is covered for cancer treatment?
The following table shows what is covered for cancer treatment. The cover options selected on your policy will be applied in the normal way for any claims made. Your employees are fully covered when they use a specialist within our fee guidelines and a hospital on your chosen list. When recommended by a specialist and agreed by us the below treatment is covered. This is just a summary of the cover, for full details please refer to the Solutions policy wording (PDF 1,572KB).
If you include one of the reduced out-patient cover limits on your Solutions policy then the monetary limit does not apply to out-patient cancer treatment received after your employee has been diagnosed with cancer.
|Radiotherapy and chemotherapy||Radiotherapy is the use of high energy x-rays and similar rays to treat a disease. Chemotherapy is the use of drugs to treat cancer. There are no limits on radiotherapy and chemotherapy (hormone therapy is only covered to shrink a tumour).||In full|
|Targeted drug therapies||Targeted therapies are the drugs that target cells to block the growth and spread of cancer. We place no limits on clinically proven and licensed drugs.||In full|
|Side effects / sickness drugs||Side effects and sickness drugs — some cancer treatment can cause sickness, nausea and other side effects. During cancer treatment we will cover any medication needed to treat the side effects.||In full|
|Bone strengthening drugs (such as bisphosphonates) and bone scans||Bone strengthening drugs — these are drugs that help keep bones strong during cancer treatment. Bone Scans look for any changes in bones. We place no limits on these drugs and scans.||In full|
|Stem cell and bone marrow transplants||Stem cells produce blood and other types of cells within the body. Some cancers can be treated by replacing stem cells which are collected from the blood or from bone marrow. We place no limits on stem cell or bone marrow transplants; this includes collection from a donor.||In full|
|Experimental treatment||Experimental treatment, is where there is minimal or no evidence that it is beneficial. In these cases we pay the equivalent cost of the established treatment in this country.
Not very many things are treated as experimental by us, some cancers need unlicensed treatments — we will pay in full if there is enough medical information to support their use.
Plus cover for "additional care" items:
|Rehabilitation||Rehabilitation is a medically supervised program designed to aid recovery — we place no limits on the type or amount of rehabilitation needed for customers with full cover policies.||In full|
|Specialist nursing||Specialist nursing may be needed to support cancer patients — we place no limits on the type or amount of specialist nursing, described in the policy.||In full|
|NHS cancer cash benefit||If you have your cancer treatment on the NHS we will pay you a cash benefit for that treatment if we would have covered you as a private patient on the policy.||£100 for each day treatment is received as an in-patient or day-patient. £100 for each day treatment is received as an out-patient for radiotherapy, chemotherapy, blood transfusions or surgical procedures. £100 for each day intravenous (IV) chemotherapy is received at home, and £100 for each week oral chemotherapy drugs are taken at home|
|Prostheses||Prostheses are used to replace a part of the body — we’ll pay up to £5000 for external prosthesis when needed. Internal prostheses are covered in full.||Internal – In full
External – £5000 towards
|Wigs||Some chemotherapy treatments can result in hair loss — we’ll pay £100 towards the cost of a wig.||£100 in total (not per policy year)|
|End of life care||For some people, there will come a time when they need hospice or care at home. If this becomes necessary, we will make donations to the hospice or charity concerned. We will also cover hospital stays when it is medically necessary.||Hospice / charity donation £100 per day – up to a maximum of £10,000. Nursing services – £50 per day – up to a maximum of £10,000|
|Monitoring||When a customer has finished treatment we will pay for monitoring for up to 10 years to check that the cancer has not returned. We do not pay for monitoring after treatment for non-melanoma skin cancer.||Up to 10 years|