How insurance works How cancer can affect buying insurance Unfair discrimination

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "How insurance works How cancer can affect buying insurance Unfair discrimination"

Transcription

1 This information is an extract from the booklet Insurance, which is part of the financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 5. Contents What is insurance? What is insurance? How insurance works How cancer can affect buying insurance Unfair discrimination Insurance helps you protect yourself against risks and financial loss. For example: Health insurance may pay you money if you become ill and are not able to work. Life insurance may provide your family or spouse with money if you die. Travel insurance may pay for medical treatment if you have an accident while on holiday. Car insurance may pay for repairs if you have an accident. There are many different types of each kind of insurance. These protect you against different things. It is very important to understand what you are covered for and how much money you will receive if you need to claim. Questions about cancer? Ask Macmillan Page 1 of 5

2 How insurance works The amount of money you pay for insurance is called the premium. Insurers set their premiums so they will have a big enough pool of money to pay out all the claims they get from customers, cover their costs and earn a profit. Insurers look at the information you give them. They use this to estimate how likely you are to claim. They also check how often other people in similar situations have claimed before. They then decide what premium to charge you. If the risk of you claiming on insurance looks higher than average, the insurer may do one of the following: They may charge you a higher premium than the standard rate. The insurance provider needs to make sure this increase is proportionate to the increased risk of you making a claim. They may apply an excess. This is the first part of the claim that is not covered by your insurance provider. You may need to pay a certain amount of money towards a claim or it may be deducted from the money you receive. If you choose a policy with a higher excess, the premium may be cheaper. They may apply exclusions. This is what isn t covered by the insurance provider. If you choose a policy with exclusions based on your medical history, make sure you understand which claims will and won t be paid. They may refuse to insure you at all. Here are some possible examples of where a higher premium is charged or exclusion is applied: Your car insurance may increase if you have an accident. You may have to pay more for travel insurance if you want to go skiing. If you already have a chronic illness, health insurance providers may exclude this condition from the cover. See pages 3 4 for details on how cancer can affect buying insurance. To assess the risk of you claiming, insurers will ask you questions. With health or life insurance, they may want to see your medical reports or ask you to have a medical examination. The insurer, not you, pays for medical reports and examinations. Page 2 of 5 Questions about cancer? Ask Macmillan

3 If you don t answer the questions fully and truthfully, the insurer may refuse to pay out if you make a claim later on. You don t have to agree to medical reports or examinations. But if the insurer doesn t have enough information to assess your application, they may refuse to cover you. The insurance market is competitive and premiums vary from one insurer to another. So it s important to shop around, especially if you have a medical condition. Insurers call this having a pre-existing medical condition. An insurance broker can help you compare deals from different companies. To find an insurance broker, contact the British Insurance Brokers Association (visit biba.org.uk, or call ). JARGON BUSTER Premium What you pay for insurance. Excess The first part of a claim that isn t covered by your insurance provider. For example, if you have a successful claim for 750 and an excess of 500, the insurer will pay you 250. Exclusion Something that s specifically not covered by the insurance, so there s no payout if it happens. Pre-existing medical condition A health condition you have at the time you take out an insurance policy or have had in recent years. Questions about cancer? Ask Macmillan Page 3 of 5

4 How cancer can affect buying insurance If you ve had cancer or you re living with cancer, you can sometimes face higher premiums, special conditions or refusal when buying life insurance and some types of health insurance. This includes policies that have a health insurance element, such as travel insurance. Does cancer affect all forms of insurance? You shouldn t have problems getting insurance unrelated to health, for example, home insurance. If you do, contact our financial guides on for information about making a complaint. Family members Your close relatives (children, brothers and sisters) may also find it hard to get life and health insurance on standard terms. This is because, in a small number of cases, people whose close relatives have had cancer may be at a higher than average risk of getting the same cancer. It may also affect your close relatives travel insurance if you are receiving or waiting for hospital treatment or have a terminal condition. Being prepared for questions When talking to insurers, you may be asked some difficult or upsetting questions about your health, for example about the likely outcome of your cancer (prognosis). Unfortunately, not all insurers are sensitive to the needs of people affected by cancer. Depending on how you feel about talking about your cancer, you may want to contact only a couple of companies at a time. Alternatively, you could contact an insurance broker who will do the research for you. Unfair discrimination Cancer is classed as a disability under the Equality Act 2010 (England, Scotland and Wales) and the Disability Discrimination Act 1995 (Northern Ireland). These acts make it illegal to treat people less favourably because of a disability, but there is an exception for insurance. Page 4 of 5 Questions about cancer? Ask Macmillan

5 An insurer can treat a person with a disability differently if the disability increases the risk of claiming, but only if: the assessment of your risk of claiming is based on relevant information the information is from a source that s reasonable to rely on, such as statistical data or medical reports the way the insurer treats the person is reasonable, given the information available. Fr i If challenged, the insurer will have to provide evidence to show that it has met these conditions. NEXT STEPS For information and help about unfair discrimination because of cancer, you can contact the Equality Advisory Support Service (England, Scotland and Wales. Visit equalityadvisoryservice.com, or call ) or the Equality Commission for Northern Ireland (visit equalityni.org, or call ). More information and support More than one in three of us will get cancer. For most of us it will be the toughest fight we ever face. And the feelings of isolation and loneliness that so many people experience make it even harder. But you don t have to go through it alone. The Macmillan team is with you every step of the way. To order a copy of Insurance or any other financial guidance information, visit be.macmillan.org.uk or call We make every effort to ensure that the information we provide is accurate and up to date but it should not be relied upon as a substitute for specialist professional advice tailored to your situation. So far as is permitted by law, Macmillan does not accept liability in relation to the use of any information contained in this publication, or thirdparty information or websites included or referred to in it. Macmillan Cancer Support Registered charity in England and Wales (261017), Scotland (SC039907) and the Isle of Man (604). Registered office 89 Albert Embankment, London, SE1 7UQ REVISED IN APRIL 2015 Planned review in 2016 Questions about cancer? Ask Macmillan Page 5 of 5

Types of life insurance Buying life insurance How cancer can affect buying life insurance Getting money early from life insurance

Types of life insurance Buying life insurance How cancer can affect buying life insurance Getting money early from life insurance This information is an extract from the booklet Insurance, which is part of the financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Types

More information

Finding travel insurance cover

Finding travel insurance cover This information is an extract from the booklet Getting travel insurance. You may find the full booklet helpful. We can send you a free copy see page 11. Contents Finding travel insurance Contacting insurance

More information

Sorting out your estate before you die

Sorting out your estate before you die Sorting out your estate before you die This information is an extract from the booklet Sorting out your affairs, which is part of the financial guidance series. You may find the full booklet helpful. We

More information

Protection from discrimination, harassment and victimisation when you re self-employed

Protection from discrimination, harassment and victimisation when you re self-employed Protection from discrimination, harassment and victimisation when you re self-employed This information is an extract from the booklet Self-employment and cancer. You may find the full booklet helpful.

More information

Understanding mortgages

Understanding mortgages This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 7. Contents What

More information

Keeping up with mortgage repayments

Keeping up with mortgage repayments Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you

More information

Contents. What is the State Pension? JARGON BUSTER

Contents. What is the State Pension? JARGON BUSTER This information is an extract from the booklet Pensions, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 11. Contents What is

More information

Business finances. Contents. Maintaining your cash flow

Business finances. Contents. Maintaining your cash flow This information is an extract from the booklet Self-employment and cancer. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Maintaining your cash flow Reducing your

More information

Other options for dealing with your debts

Other options for dealing with your debts Other options for dealing with your debts This information is an extract from the booklet Managing your debt, which is part of our financial guidance series. You may find the full booklet helpful. We can

More information

Managing bills and bank accounts

Managing bills and bank accounts Managing bills and bank accounts This information is an extract from the booklet Managing your money day to day, which is part of our Financial guidance series. You may find the full booklet helpful. We

More information

Dealing with non-priority debts

Dealing with non-priority debts This information is an extract from the booklet Managing your debt, which is part of our financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 11. Contents

More information

Planning your care and support Having a holistic needs assessment

Planning your care and support Having a holistic needs assessment Planning your care and support Having a holistic needs assessment This information is from the booklet Planning your care and support Having a holistic needs assessment. We can send you a free copy see

More information

Fertility testing for young men

Fertility testing for young men This information is an extract from the booklet Fertility support for young people affected by cancer. You may find the full booklet helpful. We can send you a free copy see page 5. Contents Fertility

More information

Macmillan Grants Loans and grants from the government and local councils Loans and grants for heating costs Other grants

Macmillan Grants Loans and grants from the government and local councils Loans and grants for heating costs Other grants This information is an extract from the booklet Help with the cost of cancer. You may find the full booklet helpful. We can send you a free copy see page 7. Contents Macmillan Grants Loans and grants from

More information

Contents. How does a defined contribution scheme work?

Contents. How does a defined contribution scheme work? Defined contribution pension schemes This information is an extract from the booklet Pensions, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you a free

More information

Managing your worries about cancer returning

Managing your worries about cancer returning Managing your worries about cancer returning This information is for anyone who has had treatment to cure cancer and is worried about it coming back. It is an extract from the booklet Worrying about cancer

More information

Financial help for people with mesothelioma

Financial help for people with mesothelioma Financial help for people with mesothelioma This information is an extract from the booklet Understanding mesothelioma. You may find the full booklet helpful. We can send you a free copy see page 7. Contents

More information

Insurance companies and brokers

Insurance companies and brokers Insurance companies and brokers This information is an extract from the booklet Getting travel insurance when you have been affected by cancer. You may find the full booklet helpful. We can send you a

More information

How treatment is planned Giving your consent The benefits and disadvantages of treatment Second opinion

How treatment is planned Giving your consent The benefits and disadvantages of treatment Second opinion Treatment overview for lung cancer This information is an extract from the booklet Understanding lung cancer. You may find the full booklet helpful. We can send you a free copy see page 5. Contents How

More information

Work and cancer financial issues

Work and cancer financial issues Work and cancer financial issues This information is an extract from the booklet, Work and cancer. You may find the full booklet helpful. We can send you a copy free see page 7. Contents Taking time off

More information

What is CIN (cervical intra-epithelial) and what causes it?

What is CIN (cervical intra-epithelial) and what causes it? What is CIN (cervical intra-epithelial) and what causes it? This information is an extract from the booklet Understanding CIN (cervical intra-epithelial neoplasia). You may find the full booklet helpful.

More information

Questions about your pain medicines

Questions about your pain medicines Questions about your pain medicines This information is an extract from the booklet Controlling cancer pain. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Common

More information

Treatment overview for primary bone cancer

Treatment overview for primary bone cancer Treatment overview for primary bone cancer This information is an extract from the booklet Understanding primary bone cancer. You may find the full booklet helpful. We can send you a free copy see page

More information

Financial guidance series 2015 2016

Financial guidance series 2015 2016 Financial guidance series 2015 2016 This booklet is part of a series of booklets about financial issues and cancer. The other titles in the series are: Financial planning Housing costs Managing your money

More information

How prostate cancer is diagnosed

How prostate cancer is diagnosed How prostate cancer is diagnosed This information is an extract from the booklet Having tests for prostate cancer. You may find the full booklet helpful. We can send you a free copy see page 7. Contents

More information

Cancer treatments and hair loss

Cancer treatments and hair loss Cancer treatments and hair loss This information is an extract from the booklet Coping with hair loss. You may find the full booklet helpful. We can send you a free copy see page 5. Contents Chemotherapy

More information

Travel insurance. 2010 fact sheet. Getting travel insurance

Travel insurance. 2010 fact sheet. Getting travel insurance 2010 fact sheet Macmillan and Cancerbackup have merged. Together we provide free, high quality information for all. Travel insurance People who have cancer, or have had cancer in the past, can find it

More information

About the kidneys and kidney cancer

About the kidneys and kidney cancer About the kidneys and kidney cancer This information is an extract from the booklet Understanding kidney cancer. You may find the full booklet helpful. We can send you a free copy see page 5. The kidneys

More information

Bladder changes after bowel cancer treatment

Bladder changes after bowel cancer treatment Bladder changes after bowel cancer treatment This information is from the booklet Managing the late effects of bowel cancer treatment. You may find the full booklet helpful. We can send you a free copy

More information

What is DCIS? Contents. The breasts

What is DCIS? Contents. The breasts This information is an extract from the booklet Understanding ductal carinoma in situ (DCIS). You may find the full booklet helpful. We can send you a free copy see page 6. Contents The breasts What is

More information

Contents. The womb. The womb (uterus) and reproductive organs. About womb cancer Risk factors and causes

Contents. The womb. The womb (uterus) and reproductive organs. About womb cancer Risk factors and causes About the womb and womb cancer This information is an extract from the booklet Understanding womb (endometrial) cancer. You may find the full booklet helpful. We can send you a free copy see page 6. The

More information

Cancer and fertility for young women

Cancer and fertility for young women Cancer and fertility for young women This information is an extract from the booklet Fertility support for young people affected by cancer. You may find the full booklet helpful. We can send you a free

More information

STEp-BY-stEP. GUIdE to MAKING A. WIlL

STEp-BY-stEP. GUIdE to MAKING A. WIlL YOUR STEp-BY-stEP GUIdE to MAKING A WIlL This is part of a series of leaflets about making a will, leaving a legacy and inheritance planning. The other leaflets in the series are: Charitable legacies and

More information

Graft-versus-host disease (GvHD)

Graft-versus-host disease (GvHD) Graft-versus-host disease (GvHD) This information is an extract from the booklet Understanding donor stem cell (allogeneic) transplants. You may find the full booklet helpful. We can send you a free copy

More information

How cancer treatment can affect fertility in women

How cancer treatment can affect fertility in women How cancer treatment can affect fertility in women This information is an extract from the booklet Cancer treatment and fertility information for women. You may find the full booklet helpful. We can send

More information

About cancer of unknown primary (CUP)

About cancer of unknown primary (CUP) About cancer of unknown primary (CUP) This information is an extract from the booklet Understanding cancer of unknown primary. You may find the full booklet helpful. We can send you a free copy see page

More information

About lung cancer. Contents. The lungs

About lung cancer. Contents. The lungs This information is an extract from the booklet Understanding lung cancer. You may find the full booklet helpful. We can send you a free copy see page 7. The lungs Contents The lungs Types of lung cancer

More information

Diagnosing secondary breast cancer

Diagnosing secondary breast cancer Diagnosing secondary breast cancer This information is from the booklet Understanding secondary breast cancer. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Tests

More information

Deciding whether to become a parent

Deciding whether to become a parent Deciding whether to become a parent This information is an extract from the booklet, Relationships, sex and fertility for young people affected by cancer. You may find the full booklet helpful. We can

More information

Hormonal therapy for breast cancer

Hormonal therapy for breast cancer Hormonal therapy for breast cancer This information is an extract from the booklet Understanding breast cancer in women. You may find the full booklet helpful. We can send you a copy free see page 6. Contents

More information

Breathing techniques to help breathlessness 1

Breathing techniques to help breathlessness 1 Breathing techniques to help breathlessness 1 Breathing techniques to help breathlessness This information is from the booklet Managing breathlessness. You may find the full booklet helpful. We can send

More information

More than 2,500 people are diagnosed with mesothelioma in the UK each year.

More than 2,500 people are diagnosed with mesothelioma in the UK each year. This information is an extract from the booklet Understanding mesothelioma. You may find the full booklet helpful. We can send you a free copy see page 5. Contents Introduction Pleural mesothelioma Peritoneal

More information

How testicular cancer is diagnosed

How testicular cancer is diagnosed How testicular cancer is diagnosed This information is from the booklet Understanding testicular cancer. You may find the full booklet helpful. We can send you a free copy see page 6. Contents What happens

More information

Dying in prison (in England and Wales): support for family and friends of prisoners

Dying in prison (in England and Wales): support for family and friends of prisoners Dying in prison (in England and Wales): support for family and friends of prisoners This information is from the booklet Dying: a guide for prisoners in England and Wales. Although it is aimed at prisoners

More information

Surgery for breast cancer in men

Surgery for breast cancer in men Surgery for breast cancer in men This information is an extract from the booklet Understanding breast cancer in men. You may find the full booklet helpful. We can send you a free copy see page 9. Contents

More information

Effect of breast cancer treatment

Effect of breast cancer treatment Effect of breast cancer treatment on the heart 1 Effect of breast cancer treatment on the heart This information is from the booklet Managing the late effects of breast cancer treatment. You may find the

More information

The Mind guide to insurance cover and mental health. guide to. insurance cover and mental health

The Mind guide to insurance cover and mental health. guide to. insurance cover and mental health The Mind guide to insurance cover and mental health guide to insurance cover and mental health The Mind guide to insurance cover and mental health This booklet is for anyone who wants to know how a mental

More information

Diagnosis of primary bone cancer

Diagnosis of primary bone cancer This information is an extract from the booklet Understanding primary bone cancer. You may find the full booklet helpful. We can send you a free copy see page 9. Contents How bone cancer is diagnosed Further

More information

Managing anxiety about body image 1

Managing anxiety about body image 1 Managing anxiety about body image 1 Managing anxiety about body image This information is from the booklet Body image and cancer. You may find the full booklet helpful. We can send you a free copy see

More information

Chemotherapy for pancreatic

Chemotherapy for pancreatic Chemotherapy for pancreatic cancer 1 Chemotherapy for pancreatic cancer This information is from the booklet Understanding pancreatic cancer. You may find the full booklet helpful. We can send you a free

More information

Are you worried about prostate cancer? 1

Are you worried about prostate cancer? 1 Are you worried about prostate cancer? 1 Are you worried about prostate cancer? This information is from the leaflet Are you worried about prostate cancer? You may find the full leaflet helpful. We can

More information

Risk factors and symptoms of advanced (metastatic) prostate cancer 1

Risk factors and symptoms of advanced (metastatic) prostate cancer 1 Risk factors and symptoms of advanced (metastatic) prostate cancer 1 Risk factors and symptoms of advanced (metastatic) prostate cancer This information is from the booklet Understanding advanced (metastatic)

More information

Breast cancer and travel insurance Factsheet. This factsheet suggests some points to bear in mind when you are looking for travel insurance.

Breast cancer and travel insurance Factsheet. This factsheet suggests some points to bear in mind when you are looking for travel insurance. Breast cancer and travel insurance Factsheet This factsheet suggests some points to bear in mind when you are looking for travel insurance. 02 Introduction Breast cancer and travel insurance 03 Some people

More information

Breast reconstruction using an implant

Breast reconstruction using an implant Breast reconstruction using an implant This information is from the booklet Understanding breast reconstruction. You may find the full booklet helpful. We can send you a free copy see page 10. Contents

More information

How cancer treatments may affect your appearance

How cancer treatments may affect your appearance How cancer treatments may affect your appearance 1 How cancer treatments may affect your appearance This information is from the booklet Feel more like you. You may find the full booklet helpful. We can

More information

Breast reconstruction using an implant after risk-reducing surgery

Breast reconstruction using an implant after risk-reducing surgery Breast reconstruction using an implant after risk-reducing surgery This information is from the booklet Understanding riskreducing breast surgery. You may find the full booklet helpful. We can send you

More information

Hormonal therapy for locally advanced prostate cancer

Hormonal therapy for locally advanced prostate cancer Hormonal therapy for locally advanced prostate cancer This information is an extract from the booklet Understanding locally advanced prostate cancer. You may find the full booklet helpful. We can send

More information

Chemotherapy for acute myeloid leukaemia (AML) 1

Chemotherapy for acute myeloid leukaemia (AML) 1 Chemotherapy for acute myeloid leukaemia (AML) 1 Chemotherapy for acute myeloid leukaemia (AML) This information is from the booklet Understanding acute myeloid leukaemia. You may find the full booklet

More information

Symptoms and diagnosis of breast cancer

Symptoms and diagnosis of breast cancer Symptoms and diagnosis of breast cancer This information is an extract from the booklet Understanding breast cancer in women. You may find the full booklet helpful. We can send you a free copy see page

More information

The Mind guide to insurance cover and mental health

The Mind guide to insurance cover and mental health The Mind guide to insurance cover and mental health 1 Contents page How do insurance companies decide who to insure and what to charge? 3 Risk assessment 3 Disclosure 3 Can insurers discriminate against

More information

Understanding insurance. A guide to different types of insurance and making a claim

Understanding insurance. A guide to different types of insurance and making a claim A guide to different types of insurance and making a claim Introduction If you re living with a terminal illness, you may be able to make a claim on any insurance policies you have. This could be for medical

More information

Surgery for kidney cancer

Surgery for kidney cancer This information is an extract from the booklet Understanding kidney cancer. You may find the full booklet helpful. We can send you a free copy see page 5. Contents Removing part of the kidney (partial

More information

Surgery and cancer of the pancreas

Surgery and cancer of the pancreas Surgery and cancer of the pancreas This information is an extract from the booklet Understanding cancer of the pancreas. You may find the full booklet helpful. We can send you a free copy see page 8. Introduction

More information

Work and cancer legal and finances

Work and cancer legal and finances Work and cancer legal and finances This information is an extract from the booklet, Work and cancer. You may find the full booklet helpful. We can send you a copy free see page 12. Contents Discrimination

More information

Surgery for oesophageal cancer

Surgery for oesophageal cancer Surgery for oesophageal cancer This information is an extract from the booklet Understanding oesophageal cancer (cancer of the gullet). You may find the full booklet helpful. We can send you a free copy

More information

The faecal occult blood (FOB) test

The faecal occult blood (FOB) test The faecal occult blood (FOB) test This information is an extract from the booklet, Understanding bowel cancer screening. You may find the full booklet helpful. We can send you a copy free see page 6.

More information

Surgery for thyroid cancer

Surgery for thyroid cancer This information is an extract from the booklet Understanding thyroid cancer (follicular and papillary). You may find the full booklet helpful. We can send you a free copy see page 8. Surgery Contents

More information

Chemotherapy for lung cancer

Chemotherapy for lung cancer This information is an extract from the booklet Understanding lung cancer. You may find the full booklet helpful. We can send you a free copy see page 8. Contents Chemoradiation Small cell lung cancer

More information

Going home from hospital

Going home from hospital This information is an extract from the booklet Going home from hospital. You may find the full booklet helpful. We can send you a free copy see page 13. Contents What type of support am I likely to need?

More information

Radioactive iodine treatment for thyroid cancer

Radioactive iodine treatment for thyroid cancer Radioactive iodine treatment for thyroid cancer This information is an extract from the booklet, Understanding thyroid cancer. You may find the full booklet helpful. We can send you a copy free see page

More information

insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance

insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance insurance Insurance Protecting what s important to you Inside... What insurance do you need? Types of insurance Buying insurance What insurance do you need? Insurance is a way to protect you (and your

More information

KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read

KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO

More information

Macmillan Cancer Support Volunteering Policy

Macmillan Cancer Support Volunteering Policy Macmillan Cancer Support Volunteering Policy Introduction Thousands of volunteers dedicate time and energy to improve the lives of people affected by cancer. Macmillan was started by a volunteer and volunteers

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Payment Protection Insurance What is Payment Protection Insurance When you take out a loan, credit or store card, you're often asked to take out an insurance policy at the same time. The policy is meant

More information

Life after cancer treatment your feelings

Life after cancer treatment your feelings Life after cancer treatment your feelings This information is an extract from the booklet Your feelings after cancer treatment. You may find the full booklet helpful. We can send you a free copy see page

More information

The brain structure and function

The brain structure and function The brain structure and function This information is an extract from the booklet Understanding brain tumours. You may find the full booklet helpful. We can send you a copy free see page 5. Contents Introduction

More information

Have you protected the most valuable things in your home? Protecting yourself as well as your home

Have you protected the most valuable things in your home? Protecting yourself as well as your home Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical

More information

Chemotherapy for head and neck cancers

Chemotherapy for head and neck cancers Chemotherapy for head and neck cancers This information is from the booklet Understanding head and neck cancers. You may find the full booklet helpful. We can send you a free copy see page 7. Contents

More information

Surgery for kidney cancer

Surgery for kidney cancer This information is an extract from the booklet, Understanding kidney cancer. You may find the full booklet helpful. We can send you a copy free see page 5. Surgery is often the only treatment that is

More information

Causes of fatigue (tiredness)

Causes of fatigue (tiredness) Causes of fatigue (tiredness) 1 Causes of fatigue (tiredness) This information is from the booklet Coping with fatigue (tiredness). You may find the full booklet helpful. We can send you a free copy see

More information

Radiotherapy for vulval cancer

Radiotherapy for vulval cancer This information is an extract from the booklet Understanding cancer of the vulva. You may find the full booklet helpful. We can send you a copy free see page 6. Contents External radiotherapy Internal

More information

Effect of breast cancer treatment

Effect of breast cancer treatment Effect of breast cancer treatment on the bones 1 Effect of breast cancer treatment on the bones This information is from the booklet Managing the late effects of breast cancer treatment. You may find the

More information

Travel insurance & cancer

Travel insurance & cancer Travel insurance & cancer Why it is important to have travel insurance Travel insurance is designed to provide you with compensation for anything that could go wrong while you are away. Usually, this means

More information

Controlling symptoms of mesothelioma

Controlling symptoms of mesothelioma Controlling symptoms of mesothelioma This information is an extract from the booklet Understanding mesothelioma. You may find the full booklet helpful. We can send you a free copy see page 9. Contents

More information

Surgery for ovarian cancer

Surgery for ovarian cancer This information is an extract from the booklet Understanding cancer of the ovary. You may find the full booklet helpful. We can send you a free copy see page 8. Contents About surgery About surgery Type

More information

Treatment of colon cancer

Treatment of colon cancer Treatment of colon cancer This information is an extract from the booklet, Understanding colon cancer. You may find the full booklet helpful. We can send you a copy free see page 5. Contents How treatment

More information

How lung cancer is diagnosed

How lung cancer is diagnosed This information is an extract from the booklet, Understanding lung cancer. You may find the full booklet helpful. We can send you a copy free see page 5. Contents At the hospital CT (computerised tomography)

More information

Chemotherapy for non-small cell lung cancer

Chemotherapy for non-small cell lung cancer Chemotherapy for non-small cell lung cancer This information is an extract from the booklet Understanding lung cancer. You may find the full booklet helpful. We can send you a free copy see page 3. Contents

More information

Insurance. Covered, just in case. - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help

Insurance. Covered, just in case. - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help Insurance Covered, just in case - How much cover do we need? - Buying insurance - Types of insurance - Where to go for help Sorted by the Commission for Financial Capability How much cover do we need?

More information

Coping with chemotherapy

Coping with chemotherapy This information is an extract from the booklet Understanding chemotherapy. You may find the full booklet helpful. We can send you a copy free see page 11. Contents Feelings and emotions How you can help

More information

Why do I need protection?

Why do I need protection? Why do I need protection? What s inside 3 Life cover 4 Critical illness cover 7 Income protection 8 Who else would you rely on? 10 It might cost less than you think 12 A word from your adviser... Introduction

More information

Spirituality and religion at the end of life. Palliative Care, End of Life Care and Bereavement

Spirituality and religion at the end of life. Palliative Care, End of Life Care and Bereavement Spirituality and religion at the end of life Palliative Care, End of Life Care and Bereavement This booklet uses easy words and pictures to help you get the information you need about cancer. You might

More information

For customers Key features of the Relevant Life policy

For customers Key features of the Relevant Life policy For customers Key features of the Relevant Life policy The Financial Conduct Authority is a financial services regulator. It requires us, Aegon, to give you this important information to help you to decide

More information

Are you worried about breast cancer?

Are you worried about breast cancer? Are you worried about breast cancer? This information is from the leaflet, Are you worried about breast cancer? which you may find helpful if you are worried about breast cancer running in your family.

More information

After surgery for breast cancer

After surgery for breast cancer After surgery for breast cancer This information is an extract from the booklet Understanding breast cancer in women. You may find the full booklet helpful. We can send you a free copy see page 7. Contents

More information

A practical guide to living with and after cancer

A practical guide to living with and after cancer A practical guide to living with and after cancer Getting travel insurance 1 Contents About this booklet 2 Travel insurance 4 How cancer can affect getting travel insurance 10 Finding travel insurance

More information

Top Ten Tips when choosing a support provider

Top Ten Tips when choosing a support provider Top Ten Tips when choosing a support provider This is a guide to help anyone who needs to buy social care support for themselves or a friend or relative (an adult or a child). It aims to help you learn

More information

RELEVANT TECHNICAL LIFE GUIDE PLAN TO THE RELEVANT LIFE PLAN RELEVANT LIFE PLAN TECHNICAL GUIDE.

RELEVANT TECHNICAL LIFE GUIDE PLAN TO THE RELEVANT LIFE PLAN RELEVANT LIFE PLAN TECHNICAL GUIDE. RELEVANT TECHNICAL LIFE GUIDE PLAN TO THE RELEVANT LIFE PLAN 1 RELEVANT LIFE PLAN TECHNICAL GUIDE. 2 TECHNICAL GUIDE TO THE RELEVANT LIFE PLAN ABOUT THIS GUIDE This guide has been designed for financial

More information

A Guide to Insurance. look beyond the label

A Guide to Insurance. look beyond the label A Guide to Insurance look beyond the label A Guide to Insurance A Guide to Insurance 01 Congratulations This booklet is part of a set of 13 guides. The series is made up of the following titles: k Starting

More information