Beverley has been with Standard Life Healthcare for five years when she is diagnosed with breast cancer. Following discussion with her specialist she decides to have the breast removed followed by breast reconstruction. Her specialist also recommends a course of radiotherapy and chemotherapy. In addition she is to have hormone therapy tablets for several years. Will her insurance cover this treatment plan and are there any limits to the cover?
We pay for the cost of the consultations and diagnostic tests to establish the diagnosis. We then pay for the mastectomy and the associated reconstructive surgery, as long as this takes place within three years of any related treatment. We then cover the course of radiotherapy and chemotherapy in full.
We will pay the cost of the hormone therapy in full whilst this is being prescribed at the same time as any chemotherapy. However, once chemotherapy has stopped, we will then only pay for the hormone therapy tablets for a further three months.
We will also cover the cost of follow-up consultations and monitoring for five years following the last date of any treatment such as surgery or therapy.
Cara has previously had a breast cancer which was treated by lumpectomy, radiotherapy and chemotherapy under her existing policy. She now has a recurrence in her other breast and has decided to have a mastectomy, radiotherapy and chemotherapy. Will her insurance cover this and are there any limits to the cover?
We will cover both the eligible treatment of new cancers and the treatment of complications of cancer and/or secondary cancers. So we would pay for the cost of Cara?s mastectomy and the course of radiotherapy and chemotherapy in full. We will also cover the cost of any associated follow-up consultations for a period of five years from the last date of any in-patient or daypatient treatment.
Monica, who was previously treated for breast cancer under her existing policy, has a recurrence which has unfortunately spread to other parts of the body. Her specialist has recommended the following treatment plan:
Will her insurance cover this treatment plan and are there any limits to the cover?
We will cover in full the chemotherapy treatment that Monica requires.
If the monthly infusions are being given at the same time as the chemotherapy, then we will also cover this treatment in full. Once the chemotherapy treatment has been completed, we will then pay for any further infusions for a maximum of three months.
Regarding the weekly infusions to suppress the growth of the cancer, these would be covered in full up to a maximum length of treatment of twelve months.
Sharon would like to be admitted to a hospice for care aimed solely at relieving symptoms. Will her insurance cover this and are there any limits to the cover?
We would not be able to provide benefit for the admission to a hospice solely to relieve Sharon's symptoms.
