CAN I GET CRITICAL ILLNESS COVER AFTER AN ABNORMAL CERVICAL SMEAR

Going through a smear test is stressful and traumatic for many women nowadays. It is mainly because of the stories we hear from other women and their abnormal smear test results.

After going under abnormal cervical screening, around one in 20 women are detected with abnormal cervical cells, but it doesn’t necessarily mean that you got diagnosed with cervical cancer. So even if you have a positive test, you can still do some other tests to confirm the fact of you getting diagnosed with cancer. Thus, insurance companies provide insurance even after an abnormal cervical screening.

LIFE CASE STUDY – HOW INSURANCE PROCESS WORKS

Mrs A is in her 30s and has two young daughters. She wants to secure her daughters financially by obtaining insurance. She have undergone diathermy treatment following an abnormal cervical smear when she was 28. The test didn’t show any abnormalities. The underwriter will ask some questions related to medical reports as it is a standard process for calculating the premium.

She can get earlier critical illness cover for a term of 10 years, and no exclusions with standard premium terms as her test showed CIN cells 1 or 2. After checking all the medical records of her, she can get critical illness insurance with a sum of £50,000 with a monthly premium of £14.

HOW CIN CELLS AFFECTS INSURANCE RATE

When a smear test result shows abnormal cells, the patient goes for colposcopy. There are three grades of CIN.

  • CIN1- a third of the cervix have abnormal cells.
  • CIN2- between a third and two-thirds of the cervix is having abnormal cells.
  • CIN3- the whole of the cervix has abnormal cells.

A person whose test shows CIN cells 1 or 2 gets an insurance premium at a standard rate. If tests show CIN 3, clients will get denied by some companies, or high loading will add to the premiums.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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