Being diagnosed with basal cell carcinoma is an unnerving experience that can be coupled with feelings of worry and anxiety.

Basal-Cell Carcinoma- what is it?

Basal Cell Carcinoma is typically the least lethal of all cancers. This type of cancer is typically more common with people who are out in the sun for long periods. The cause of Basal Cell Carcinoma is due to overexposure of the skin to (UV) rays from the sun. UV rays cause the skin’s basal cells to damage, causing the DNA in the cell itself to be affected and for rough-looking patches to form on the skin. The use of proper sunscreen can help prevent burning and excess exposure to UV rays can help to reduce the risk of being diagnosed with the condition. 

Impact of Basal-Cell Carcinoma on your Life Insurance cost!

Anyone who has previously been diagnosed with Basal-Cell Carcinoma and trying to obtain life insurance, there will be additional details to provide to your respective insurance providers, such as:

  • When were you diagnosed?
  • Details of any treatments undergone, and if so, when?
  • The number of Carcinomas you have had and affected areas
  • Medications being taken and any other underlying medical issues
  • Are you fully recovered?

Life insurance is something you might not expect to get after you have had basal-cell carcinoma, but actually, it can be possible. It very much depends on your circumstances, and specifically how long it is since you completed your last treatment.  If the grading or staging of the cancer is low and if it has been a good time since you last received treatment, it is likely to receive insurance at standard terms. On the other hand, you have been diagnosed and cured multiple cases of basal-cell carcinoma, the grading or staging of the cancer was high and you’ve recently completed your treatment for it, then it is more likely that insurance providers will charge a higher premium for the policy. In both situations, you may also be asked by your insurer for a medical report from your doctor, this is because your insurer would be keen to know your overall health and accurate details about your cancer, your treatment and recovery status.

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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