Female Cancer Cover
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Coping with a cancer diagnosis is challenging enough without having to worry about finances. Our Female Cancer Cover is designed to be a financial safety net to make things easier while you’re having treatment.

  • £25,000 cash benefit on first diagnosis of a covered female cancer or carcinoma in situ of the breast (an early stage cancer which hasn’t spread).
  • £2,500 cash benefit on first diagnosis of carcinoma in situ in any covered female organs other than the breast.
  • £50 inpatient benefit for all overnight hospital stays, up to £4,500.
  • £25 outpatient benefit for all hospital visits, up to £1,000.
  • For UK residents aged 18-69.
  • No medical or health questions.
  • This policy is underwritten by AIG Europe Limited.

Previously diagnosed cancers are not covered.

  • About our cover

    Our Female Cancer Cover is designed to be a financial safety net to help you cope with the impact of being diagnosed with a female cancer of:

    • one or both breasts
    • one or both ovaries
    • the cervix
    • the uterus
    • the vagina
    • the vulva, or
    • one or both Fallopian tubes

    The policy pays a £25,000 cash benefit on first diagnosis of a covered female cancer or carcinoma in situ of the breast (carcinoma in situ is an early stage cancer which hasn’t spread), to help you continue to lead as normal a life as possible, from diagnosis until you're getting better.

    Although the cash benefit isn't designed to replace your income, it can certainly make things easier while you’re having treatment. The money paid out under the policy is for you to use however you need – perhaps to help pay the household bills for a while, to cover travel costs to and from hospital appointments, fuel and car parking or return taxi trips to the hospital. Or maybe even take some quality time post-treatment to have a holiday without the financial headache – it’s entirely up to you.

    £2,500 is paid on diagnosis of carcinoma in situ in any of the covered female organs apart from the breast (when the full diagnosis benefit is paid).  There are also cash payments for time spent at the hospital as a result of your diagnosis, including a £50 inpatient benefit for each overnight hospital stay up to a maximum of £4,500 and £25 payable for each outpatient day visit, up to £1,000.

    We don't need to know your family history and there are no health questions to complete.  

    As well as the financial impact, we understand the emotional effects that a cancer diagnosis can have.  So if you need to make a claim, you will also have access to a support team which is staffed by registered nurses who provide information and advice about living with cancer, including benefits, allowances and specialist equipment available to you. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

    There are some things which the policy doesn’t cover: 

    • Previously diagnosed cancers or tumours described as pre-malignant
    • Diagnosis within the first 90 days of taking out the policyº
    • Those who are under 18 or 75 and over
    • Non UK residents (Cover ends if you live outside the UK for more than 180 consecutive days)

    ºThere is no cover if, during the first 90 days of the policy (the waiting period), you are diagnosed with a covered cancer, have symptoms or tests, receive medical advice, medication or treatment for a covered cancer. However, you will still be able to claim the Inpatient Benefit for each overnight stay you are admitted to a hospital during the waiting period. 90 days directly following diagnosis of that cancer the policy will end for you and no further benefits will be payable to you under this policy.

    Please also note that because the risk of gender specific cancers increases as you get older, your premiums will go up with age. We will notify you when this is due to happen.  This policy covers the seven female specific cancers detailed above, other forms of cancer are not covered.

    This policy is underwritten by AIG Europe Limited. For a full explanation of the terms and conditions please read the policy documents carefully in the policy docs tab.

    *Macmillan Cancer Support, April 2013

  • Why might I need it?

    Research by Macmillan Cancer Support found four out of five people are on average £570 worse off each month as a result of a cancer diagnosis*.  All sorts of additional costs can arise for example needing to pay for taxis to and from hospital, car parking, additional child care, help around the house and even increased heating bills.

    The Female Cancer Cover is designed to help support you financially if you were to be diagnosed with one of the seven covered female specific cancers - leaving you free to concentrate on getting better...

    *Macmillan Cancer Support, April 2013

  • Policy documents

    Download policy documentation

    Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

    Policy Summary and Wording

  • Where to find more support

    If you need to make a claim on your Female Cancer Cover policy you will have access to a support team which is staffed by registered nurses who provide information and advice about living with cancer, including benefits, allowances and specialist equipment available to you. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

    For additional support, we've compiled a list of organisations that can offer advice and information about cancer:

    Macmillan Cancer Support

    There are almost 4,000 Macmillan nurse posts across the UK, both in hospitals and in the community. All Macmillan nurses are registered with at least five years' experience, including two or more years in cancer or palliative care. The organisation offers much more than medical support, however. They can also tell you about other services in your area, give dietary tips and provide relationship support - www.macmillan.org.uk

    Citizens Advice

    Find out about welfare benefits you're entitled to by talking to a caseworker, who'll also provide help claiming them - www.citizensadvice.org.uk/about-us/how-we-provide-advice/advice-partnerships/cancer-support-service/

    DWP

    Department for Work and Pensions (DWP) has a free benefit enquiry line for people with disabilities and their carers and produces leaflets, which outline each benefit - www.gov.uk/government/organisations/department-for-work-pensions

    Breast Cancer Care

    This cancer support charity combines the personal experiences of people affected by breast cancer with clinical expertise to offer emotional and practical support, as well as to bring people affected by breast cancer together - www.breastcancercare.org.uk

    Cancer Research

    Current evidence by Cancer Research UK suggests that breast screening reduces the number of deaths from breast cancer by about 1,300 a year in the UK. Women who are diagnosed with breast cancer at the earliest possible stage have a 90% chance of surviving for at least five years after diagnosis.

    Cancer Research gives advice on how you can beat breast cancer by finding it early - www.cancerresearchuk.org/about-cancer/type/breast-cancer/about/finding-breast-cancer-early

    There's also useful information on the site about the importance of cervical screening, which is believed to save up to 5,000 lives each year in the UK, preventing between 45% and 75% of cervical cancer cases in women who attend regularly - www.cancerresearchuk.org/about-cancer/type/cervical-cancer/about/cervical-cancer-screening

  • How does the cover work?

    Our Female Cancer Cover is designed to be a financial safety net to help you cope with the impact of being diagnosed with a covered female cancer.  The policy will pay a cash benefit to help you continue to lead as normal a life as possible, from diagnosis until you're getting better.

  • What are the main benefits of the cover?

    The policy pays a £25,000 cash benefit on first diagnosis of a covered female cancer or carcinoma in situ of the breast (an early stage cancer which hasn’t spread) to help you manage day-to-day and unexpected costs. There’s a £2,500 benefit for carcinoma in situ of the covered female organs apart from the breast (when the full diagnosis benefit is paid).

    There are also cash payments for time spent at the hospital as a result of your diagnosis, including a £50 inpatient benefit for all overnight hospital stays up to a maximum of £4,500 and £25 payable for each outpatient day visit, up to £1,000.

  • What are the covered female cancers?

    This cover provides a one-off cash benefit following first diagnosis of cancer in:

    • one or both breasts
    • one or both ovaries
    • the cervix
    • the uterus
    • the vagina
    • the vulva, or
    • one or both Fallopian tubes

  • What can I use the cash benefit for?

    You can use the cash however you wish, perhaps to pay for extra child care, get help around the house, pay household bills if you need to take time off work, or even a holiday to help you recuperate when the treatment is over, it’s entirely up to you.

  • What’s not covered?

    There are some things which the policy doesn’t cover:

    • Previously diagnosed cancers or tumours described as pre-malignant
    • Diagnosis within the first 90 days of taking out the coverº
    • Those who are under 18 or 75 and over
    • Non UK residents (Cover ends if the you live outside the UK for more than 180 consecutive days)

    º There is no cover if, during the first 90 days of the policy (the waiting period), you are diagnosed with a covered cancer, have symptoms or tests, receive medical advice, medication or treatment for a covered cancer. However, you will still be able to claim the Inpatient Benefit for each overnight stay you are admitted to a hospital during the waiting period. 90 days directly following diagnosis of that cancer the policy will end for you and no further benefits will be payable to you under this policy.

  • What is the counselling service?

    If you need to make a claim, you will also have access to a support team which is staffed by registered nurses who provide information and advice about living with cancer, including benefits, allowances and specialist equipment available to you. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

  • Can anyone be covered?

    As long as you meet the eligibility criteria – i.e. you are aged between 18 and 69 at the start date and are a UK resident - you will be accepted for cover. 

  • What if I live in the Channel Islands or Isle of Man, can I get cover?

    No. Cover is only available to residents of England, Scotland, Northern Ireland and Wales.

  • Can I be covered if I already had cancer?

    Yes - but you won't be covered for any cancer diagnosed before the start date of your policy, or any secondary cancer arising as a result of a previously diagnosed cancer. So if you've had cancer before, you may not receive the cover you need.

  • Do I need to have a medical or answer any health questions?

    No. You can take out our Female Cancer Cover without having a medical, plus there are no health questions to complete. As long as you meet the eligibility criteria – i.e. you are aged between 18 and 69 at the start date and are a UK resident - you will be accepted for cover. 

    If you make a claim, the insurer may ask you to attend one or more medical examinations.

  • I smoke, can I get cover?

    Yes

  • When does my policy start?

    The Female Cancer Cover starts immediately on completion of your application.

    Full cover starts after the 90 day waiting period. If during the waiting period, you are diagnosed with a covered cancer, have symptoms or tests, receive medical advice, medication or treatment for a covered cancer, you will still be able to claim the Inpatient Benefit for each overnight stay you are admitted to a hospital during the waiting period. 90 days directly following diagnosis of that cancer the policy will end for you and no further benefits will be payable to you under this policy.

  • When does my cover end?

    The policy and any benefits you may be receiving will end on the earliest of the following:

    • your death
    • the next premium due date following your 75th birthday
    • your premium not being paid within 30 days of the premium due date
    • the policy being cancelled by you or by the insurer
    • you cease to be a permanent UK resident (living outside the United Kingdom for more than 180 consecutive days)

    N.B. You will need to advise us if your circumstances change.

  • How much does it cost?

    Premiums depend on how old you are when the policy starts. Use our Instant Quote form above to see how affordable the cover could be for you. 

  • Will my premiums go up as I get older?

    As you get older the risk of female cancer increases and the premiums will increase accordingly. We'll always give you 30 days’ notice in writing before any change to your payments.

  • Do I pay tax on the cash payout?

    The benefits are not taxed at source, however, taxes or costs may exist which are not imposed or charged by us or the insurer.

  • Who underwrites this insurance?

    This insurance is underwritten by AIG Europe Limited

  • How do I make a claim?

    Make sure to notify AIG Europe Limited of a claim as soon as reasonably practical after diagnosis of cancer. Their contact details are:

    Claims Department,
    AIG Europe Limited,
    The AIG Building,
    2-8 Altyre Road,
    Croydon
    CR9 2LG

    Telephone: 020 8662 8101 (9 am to 5 pm, Monday to Friday)

    E-mail: aigdirect.claims@aig.com

  • What happens if I take out cover and then change my mind?

    You can cancel the policy within 15 days of the start date or within 15 days of when you receive your insurance documents, whichever is the later and we will refund any premium paid less any claim payments if you have made a valid claim.

    Following this, you may cancel the policy at any time in writing to 39/51 Highgate Road, London NW5 1RT, by emailing customercare@uibuk.com or by phone on 0345 026 1101 but we will not refund any premium paid.

About our cover

Our Female Cancer Cover is designed to be a financial safety net to help you cope with the impact of being diagnosed with a female cancer of:

• one or both breasts
• one or both ovaries
• the cervix
• the uterus
• the vagina
• the vulva, or
• one or both Fallopian tubes

The policy pays a £25,000 cash benefit on first diagnosis of a covered female cancer or carcinoma in situ of the breast (carcinoma in situ is an early stage cancer which hasn’t spread), to help you continue to lead as normal a life as possible, from diagnosis until you're getting better.

Although the cash benefit isn't designed to replace your income, it can certainly make things easier while you’re having treatment. The money paid out under the policy is for you to use however you need – perhaps to help pay the household bills for a while, to cover travel costs to and from hospital appointments, fuel and car parking or return taxi trips to the hospital. Or maybe even take some quality time post-treatment to have a holiday without the financial headache – it’s entirely up to you.

£2,500 is paid on diagnosis of carcinoma in situ in any of the covered female organs apart from the breast (when the full diagnosis benefit is paid).  There are also cash payments for time spent at the hospital as a result of your diagnosis, including a £50 inpatient benefit for each overnight hospital stay up to a maximum of £4,500 and £25 payable for each outpatient day visit, up to £1,000.

We don't need to know your family history and there are no health questions to complete.  

As well as the financial impact, we understand the emotional effects that a cancer diagnosis can have.  So if you need to make a claim, you will also have access to a support team which is staffed by registered nurses who provide information and advice about living with cancer, including benefits, allowances and specialist equipment available to you. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

There are some things which the policy doesn’t cover: 

• Previously diagnosed cancers or tumours described as pre-malignant
• Diagnosis within the first 90 days of taking out the policyº
• Those who are under 18 or 75 and over
• Non UK residents (Cover ends if you live outside the UK for more than 180 consecutive days)

ºThere is no cover if, during the first 90 days of the policy (the waiting period), you are diagnosed with a covered cancer, have symptoms or tests, receive medical advice, medication or treatment for a covered cancer. However, you will still be able to claim the Inpatient Benefit for each overnight stay you are admitted to a hospital during the waiting period. 90 days directly following diagnosis of that cancer the policy will end for you and no further benefits will be payable to you under this policy.

Please also note that because the risk of gender specific cancers increases as you get older, your premiums will go up with age. We will notify you when this is due to happen.  This policy covers the seven female specific cancers detailed above, other forms of cancer are not covered.

This policy is underwritten by AIG Europe Limited. For a full explanation of the terms and conditions please read the policy documents carefully in the policy docs tab.

*Macmillan Cancer Support, April 2013

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Why might I need it?

Research by Macmillan Cancer Support found four out of five people are on average £570 worse off each month as a result of a cancer diagnosis*.  All sorts of additional costs can arise for example needing to pay for taxis to and from hospital, car parking, additional child care, help around the house and even increased heating bills.

The Female Cancer Cover is designed to help support you financially if you were to be diagnosed with one of the seven covered female specific cancers - leaving you free to concentrate on getting better...

*Macmillan Cancer Support, April 2013

Policy documents

Download policy documentation

Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

Policy Summary and Wording

Where to find more support

If you need to make a claim on your Female Cancer Cover policy you will have access to a support team which is staffed by registered nurses who provide information and advice about living with cancer, including benefits, allowances and specialist equipment available to you. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

For additional support, we've compiled a list of organisations that can offer advice and information about cancer:

Macmillan Cancer Support

There are almost 4,000 Macmillan nurse posts across the UK, both in hospitals and in the community. All Macmillan nurses are registered with at least five years' experience, including two or more years in cancer or palliative care. The organisation offers much more than medical support, however. They can also tell you about other services in your area, give dietary tips and provide relationship support - www.macmillan.org.uk

Citizens Advice

Find out about welfare benefits you're entitled to by talking to a caseworker, who'll also provide help claiming them - www.citizensadvice.org.uk/about-us/how-we-provide-advice/advice-partnerships/cancer-support-service/

DWP

Department for Work and Pensions (DWP) has a free benefit enquiry line for people with disabilities and their carers and produces leaflets, which outline each benefit - www.gov.uk/government/organisations/department-for-work-pensions

Breast Cancer Care

This cancer support charity combines the personal experiences of people affected by breast cancer with clinical expertise to offer emotional and practical support, as well as to bring people affected by breast cancer together - www.breastcancercare.org.uk

Cancer Research

Current evidence by Cancer Research UK suggests that breast screening reduces the number of deaths from breast cancer by about 1,300 a year in the UK. Women who are diagnosed with breast cancer at the earliest possible stage have a 90% chance of surviving for at least five years after diagnosis.

Cancer Research gives advice on how you can beat breast cancer by finding it early - www.cancerresearchuk.org/about-cancer/type/breast-cancer/about/finding-breast-cancer-early

There's also useful information on the site about the importance of cervical screening, which is believed to save up to 5,000 lives each year in the UK, preventing between 45% and 75% of cervical cancer cases in women who attend regularly - www.cancerresearchuk.org/about-cancer/type/cervical-cancer/about/cervical-cancer-screening

FAQ
How does the cover work?

Our Female Cancer Cover is designed to be a financial safety net to help you cope with the impact of being diagnosed with a covered female cancer.  The policy will pay a cash benefit to help you continue to lead as normal a life as possible, from diagnosis until you're getting better.

What are the main benefits of the cover?

The policy pays a £25,000 cash benefit on first diagnosis of a covered female cancer or carcinoma in situ of the breast (an early stage cancer which hasn’t spread) to help you manage day-to-day and unexpected costs. There’s a £2,500 benefit for carcinoma in situ of the covered female organs apart from the breast (when the full diagnosis benefit is paid).

There are also cash payments for time spent at the hospital as a result of your diagnosis, including a £50 inpatient benefit for all overnight hospital stays up to a maximum of £4,500 and £25 payable for each outpatient day visit, up to £1,000.

What are the covered female cancers?

This cover provides a one-off cash benefit following first diagnosis of cancer in:

• one or both breasts
• one or both ovaries
• the cervix
• the uterus
• the vagina
• the vulva, or
• one or both Fallopian tubes

What can I use the cash benefit for?

You can use the cash however you wish, perhaps to pay for extra child care, get help around the house, pay household bills if you need to take time off work, or even a holiday to help you recuperate when the treatment is over, it’s entirely up to you.

What’s not covered?

There are some things which the policy doesn’t cover:

• Previously diagnosed cancers or tumours described as pre-malignant
• Diagnosis within the first 90 days of taking out the coverº
• Those who are under 18 or 75 and over
• Non UK residents (Cover ends if the you live outside the UK for more than 180 consecutive days)

º There is no cover if, during the first 90 days of the policy (the waiting period), you are diagnosed with a covered cancer, have symptoms or tests, receive medical advice, medication or treatment for a covered cancer. However, you will still be able to claim the Inpatient Benefit for each overnight stay you are admitted to a hospital during the waiting period. 90 days directly following diagnosis of that cancer the policy will end for you and no further benefits will be payable to you under this policy.

What is the counselling service?

If you need to make a claim, you will also have access to a support team which is staffed by registered nurses who provide information and advice about living with cancer, including benefits, allowances and specialist equipment available to you. They can also arrange therapy or counselling and links to support services such as local support groups or charities.

Can anyone be covered?

As long as you meet the eligibility criteria – i.e. you are aged between 18 and 69 at the start date and are a UK resident - you will be accepted for cover. 

What if I live in the Channel Islands or Isle of Man, can I get cover?

No. Cover is only available to residents of England, Scotland, Northern Ireland and Wales.

Can I be covered if I already had cancer?

Yes - but you won't be covered for any cancer diagnosed before the start date of your policy, or any secondary cancer arising as a result of a previously diagnosed cancer. So if you've had cancer before, you may not receive the cover you need.

Do I need to have a medical or answer any health questions?

No. You can take out our Female Cancer Cover without having a medical, plus there are no health questions to complete. As long as you meet the eligibility criteria – i.e. you are aged between 18 and 69 at the start date and are a UK resident - you will be accepted for cover. 

If you make a claim, the insurer may ask you to attend one or more medical examinations.

I smoke, can I get cover?

Yes

When does my policy start?

The Female Cancer Cover starts immediately on completion of your application.

Full cover starts after the 90 day waiting period. If during the waiting period, you are diagnosed with a covered cancer, have symptoms or tests, receive medical advice, medication or treatment for a covered cancer, you will still be able to claim the Inpatient Benefit for each overnight stay you are admitted to a hospital during the waiting period. 90 days directly following diagnosis of that cancer the policy will end for you and no further benefits will be payable to you under this policy.

When does my cover end?

The policy and any benefits you may be receiving will end on the earliest of the following:

• your death
• the next premium due date following your 75th birthday
• your premium not being paid within 30 days of the premium due date
• the policy being cancelled by you or by the insurer
• you cease to be a permanent UK resident (living outside the United Kingdom for more than 180 consecutive days)

N.B. You will need to advise us if your circumstances change.

How much does it cost?

Premiums depend on how old you are when the policy starts. Use our Instant Quote form above to see how affordable the cover could be for you. 

Will my premiums go up as I get older?

As you get older the risk of female cancer increases and the premiums will increase accordingly. We'll always give you 30 days’ notice in writing before any change to your payments.

Do I pay tax on the cash payout?

The benefits are not taxed at source, however, taxes or costs may exist which are not imposed or charged by us or the insurer.

Who underwrites this insurance?

This insurance is underwritten by AIG Europe Limited

How do I make a claim?

Make sure to notify AIG Europe Limited of a claim as soon as reasonably practical after diagnosis of cancer. Their contact details are:

Claims Department,
AIG Europe Limited,
The AIG Building,
2-8 Altyre Road,
Croydon
CR9 2LG

Telephone: 020 8662 8101 (9 am to 5 pm, Monday to Friday)

E-mail: aigdirect.claims@aig.com

What happens if I take out cover and then change my mind?

You can cancel the policy within 15 days of the start date or within 15 days of when you receive your insurance documents, whichever is the later and we will refund any premium paid less any claim payments if you have made a valid claim.

Following this, you may cancel the policy at any time in writing to 39/51 Highgate Road, London NW5 1RT, by emailing customercare@uibuk.com or by phone on 0345 026 1101 but we will not refund any premium paid.