Lifestyle - How to keep healthy
Will I be able to own my own house?
Personal insurance is usually needed when you take out a mortgage on a house. Survivors are sometimes refused insurance cover, or are only offered cover under special conditions. This may involve paying a higher premium. The type of treatment you had and how long ago it was may affect the decisions. Every case is looked at individually, there are no absolute bars to any type of insurance including critical illness cover and no survivor should ever be declined without a full medical report. This is often more helpful if it is provided by the doctor you see at the hospital. It may be beneficial to include your hospital doctor’s details with your application, as well as those of your GP.
You should approach large insurance companies because they are more likely to have dealt with cases like yours in the past or you may wish to contact an Independent Financial Advisor (IFA). IFA’s can contact several life insurance or mortgage lenders on your behalf and offer independent advice on which companies offer the best terms for your situation. However, they may charge a fee or take commission when a policy or mortgage is arranged.
On a positive note one insurance underwriter stated clearly that they start from the position “ How can we offer insurance?” not “ Are they eligible?”
Vanessa Moss, Leeds
This website is produced on behalf of the CCLG Late Effects Group.
Edited by Dr Annie Griffiths | Contributors
Designed by the Children's Cancer and Leukaemia Group (CCLG)
© CCLG 2007