Specialist health insurance ? Family Health Marketing

The popularity of private health insurance has seen the industry dramatically expand. Today there are individual, group and family plans available as well as variations within individual plans. But together with general plans, a growing number of insurance companies are now offering specialist plans, exclusively designed to cover certain illness and age groups. One of the most controversial and popular specialist plans is cancer cover.

Although, the ABI in 2007 have sought to try to create conformity amongst insurance companies as well as try to create a standard plan for cancer cover, however, there remain significant differences in policies offered by insurance companies. Each insurance company offers different cancer cover policies, with many companies also offering variations between each policy. In particular, different policies may vary in the type of cancers they cover, what treatments are made available, what funds a policy will offer and for how long.

However, while each company and policy will offer varying level of cover, there are certain standards every insurance company must conform to, in particular the definition of cancer. The standard and agreed definition of cancer by all health insurance companies operating in the UK is that cancer is ?a malignant tumour, tissues, or cells, characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue?.

Also, health insurance companies must also have a clear distinct section within each of their policy documents explaining the cover for cancer, which must be explained to you before you purchase this specialised health insurance policy. Health insurance companies must also clearly state what will be covered within a policy, this includes maximum payments, any limits on time, the cycles of treatment and any particular circumstances that they will not cover.

Although the type of cover within each cancer cover policy does vary some aspects that may be included within a policy include, where you or a member of your family will be treated, either at home or at a hospital. The type of diagnostic it will cover, for example some policies will fund scans, tests, consultations and genetic tests. Similarly, some polices vary in the drug therapies available, some will fund chemotherapy, biological therapy and maintenance therapy, while other policies will only offer certain treatments. Another variation within polices is how much a policy will fund the necessary cancer drugs.

Although, standard definitions are now in place there remains strong variations between the different cancer cover policies. These variations mean that it is essential to look at a number of different cancer cover policies and to carefully consider the different levels of cover and treatments offered within a cancer cover policy. Only extensive research will help you choose a cancer cover you feel is more comprehensive for you.

Tags: health insurance health insurance policy Insurance Companies Private Health Insurance

Source: http://www.familyhealthmarketing.com/health-insurance/specialist-health-insurance.html

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