BHSF : Plan4Life

Product profile

Description

• Financial help when you need it most

• Pays a cash sum payment at the point of a cancer diagnosis to spend on monthly bills, additional travel costs to and from hospital, or the cost of alternative therapies or drugs not available on the NHS
   

Age

Maximum amount payable

£24,000
 

How it works

Payout is dependent on the type of cancer.

For these benefits a maximum of four events are payable during the life of the policy:

• Malignant cancer (including malignant melanoma)

• Benign tumour of the brain, spinal cord or meninges

• Ductile carcinoma in situ of the breast

• Carcinoma in situ

• Skin cancer or melanoma in situ

For prostate cancer, benefit is payable where the Gleason score is 6 or more or if there is a TNM classification of T2NOMO or greater. If someone has already had cancer, any recurrence of that or any secondary cancer (metastases) will not be covered. There is a 13-week initial waiting period before cover comes into effect.

Critical  illnesses covered

• Cancer

Not covered

• Any illness not specified
• Any cancer not specified

Limitations

• Will not cover all of the cost of the most expensive cancer drugs that may not be available under the NHS

• Smokers only get half benefits

Period of cover

• Annual basis
• Cover ends at age 75

Benefits

• Cash sum on diagnosis

• No medical examination or questionnaire is required

• Family medical history is disregarded.

• GP helpline

• Cancer counselors

Options

3 levels of benefit