Survivorship. Krish Shastri Director, InsureCancer. Travel Insurance. Life Insurance. Survivorship Christie 31 st October 2014 www. InsureCancer.

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1 Krish Shastri Director, InsureCancer Travel Insurance Life Insurance

2 InsureCancer - Sole purpose is providing travel insurance to those affected by cancer. - The UK's only specialist cancer insurance provider, routinely offering cover to those with active, metastatic, relapsed or terminal cancer.

3 InsureCancer Close working relationships with over 200 hospitals and their Consultants. Policies specially designed for those living with cancer Underwriting based on clinical fitness to travel not prognosis

4 In 2007 H.M. The Queen bestowed the country s highest corporate honour The Queen s Award for Enterprise on InsureCancer and Medi Travelcover Ltd. in recognition of: Pioneering insurance underwriting innovation for those affected by cancer.

5 Travel Insurance In 1983, when I was 17, I was diagnosed with Hodgkin s Lymphoma. Five years later I finished my treatment and have never had a recurrence. I m 40 now. So, when I was going to France, I decided to declare my childhood diagnosis. I ended up having to call a number of insurers for cover and was shocked at the size of the premiums I was offered. Some were almost double the normal amount. A lady at one well-known insurer told me I was such a high risk that she nearly had to refuse me insurance. And to my surprise they considered my cancer history as more of a threat than either my ME or high blood pressure, both of which I was receiving treatment for at the time. Hearing that my cancer was still considered a risk after 23 years was distressing.

6 Travel Insurance Types of policy Annual: offers cover for any number of trips in a year. Generally each trip may not be longer than 30 days but check the terms of the policy. Trip: provides cover for a single trip. Tip: Purchase the travel insurance as soon as you book a holiday commencing immediately in order to benefit from the cancellation cover. Check your bank account or credit card for free travel insurance.

7 Travel Insurance - All travel insurance policies will ask about pre-existing medical conditions. In general, this means: any medical or nervous or mental condition that existed at any time prior to the application - You must respond accurately or your policy may be voided. - In the event of a claim, the insurer may ask to see your medical file. - Cheaper online policies tend to have blanket exclusions for any preexisting medical conditions.

8 Pre-existing medical conditions BUT, always check the wording in the policy. E.g. Pre-existing medical condition: A medical condition: that you received advice, medication or treatment for from a registered doctor or specialist during the 12 months before arranging this policy; Or that was investigated, diagnosed or treated by a registered doctor or specialist after you arranged this policy and before you left on your journey.

9 Pre-existing medical conditions RBS Royalties Gold current account

10 Pre-existing medical conditions RBS Royalties Gold current account

11 Pre-existing medical conditions If you have a pre-existing medical condition you may be asked to undergo screening. - Screening is an automated box ticking exercise in a call centre environment. - Process will confirm acceptance and price - Some insurers will automatically exclude any declaration of cancer.

12 Practical matters Screening: how does the process work? Consumer Insurance Act 2012 European Health Insurance Card List of travel insurance companies

13 Practical matters Screening: how does the process work?

14 Practical matters Screening: how does the process work?

15 Practical matters Screening: how does the process work?

16 Practical matters Screening: how does the process work?

17 Practical matters Consumer Insurance (Disclosure And Representations) Act 2012 Abolishes the consumer s duty to volunteer information The Bill replaces the duty to volunteer material information with a duty on consumers to take reasonable care not to make a misrepresentation during pre-contractual negotiations. If the consumer acts with reasonable care, the insurer must pay the claim in full.

18 Practical matters European Health Insurance Card The EHIC allows citizens of the European Economic Area (E.U., Norway, Iceland and Liechtenstein) to obtain emergency medical treatment when temporarily in another member state, for free or at a greatly reduced cost.

19 Practical matters European Health Insurance Card

20 Practical matters European Health Insurance Card! Each country s healthcare system is slightly different, so your EHIC might not cover everything that would be free on the NHS.! For example, some state-run hospitals in Europe have ambulance services that are privately operated, meaning you would be liable to pay for your ambulance journey. Often you will be offered the choice between private and state-provided care.

21 European Health Insurance Card Practical matters We attended the nearest clinic and my son was treated and kept under observation until the morning. We were then given a bill for 780 and when we enquired about the European Health Insurance Card we were told that the hospitals recognised the EHIC but the clinics did not. I was under the impression that we would be covered by the EHIC and have not seen published anywhere the fact that Spanish clinics are private and are not covered.

22 Practical matters List of travel insurance companies There is a list of travel insurance companies in your presentation pack.

23 Life Insurance

24 Life Insurance Investment life insurance Whole of life: Pays out when you die Endowment policies: Pays out after a specified term Term life insurance: guarantees to pay out a set amount if you die within a stated period of time (the 'term'), but doesn't pay out anything if you survive the term. Term insurance is sometimes called 'protection only' insurance.

25 Life Insurance Life insurance is useful if you have dependants and need to protect them financially if you die. E.g. if you buy a house, the life insurance may be used to pay off all or part of the mortgage if you die..but following a diagnosis of cancer it may be hard to find affordable life insurance.

26 Life Insurance You will need to have been off treatment for 5-10 years. Otherwise, consider purchasing term insurance for say 10 years. Use a specialist broker to locate a specialist insurer

27 Life Insurance

28 Thank you Questions?

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