WELL WOMENWell Woman Insurance

WELL WOMEN &

CRITICAL ILLNESS INSURANCE



Critical Illness info
* Vitality Life

Well Women & Cancer insurance

A Well Woman Health Check can help you identify your own health risk factors and catch early signs of some illnesses, particularly Cancer. Every well woman check done should be unique, so each test analysis having it's own specific MOT assessment of your medical health.

For some, cancer can also be hereditary or familial. Regular checks are therefore essential for both women & men.

There are 150 women who are sadly diagnosed with breast cancer every day in Britain. 

https://www.breastcanceruk.org.uk/about-breast-cancer/facts-figures-and-q-as/facts-and-figures/

https://www.everydayhealth.com/breast-cancer/empowering-breast-and-gynecological-podcasts-hosted-by-survivors/

As such, companies also started to target this Well Women marketplace from Well Woman's Clinic's & Health Check, Well Women Vitamins, Hair products for Well Woman+ Cancer Insurance.

Insurance - Well Woman

Note: These female cancer insurance plans concentrated mainly just on core cancer conditions and targeted for women & some also for men. 

Critical Illness Insurance Cover For the Small Business Owner

Well Women & Cancer insurance

Looking in 2021 to compare well women female insurance via Uk leading Insurers ?

WELL WOMEN & FEMALE CANCER INSURANCE

WOMEN'S FEMALE CANCER INSURANCE Cover  Well Woman Insurance Cancer Cover

Typical Key Features [2021]

  • Designed to pay out on diagnosis & survival of a specified Critical serious illness where benefits are currently paid out tax free upon claim
  • Critical Illness Plans for Women usually now include cover of the main 3 claims:- Cancer, Heart Attack & Stroke 
  • As mentioned above, these are the 3 main claims paid via most Insurers.
  • Insurers plan terms vary & may cover between 25-100 different types of serious illness benefits
  • Can be in sole or joint names
  • Designed to pay out usually as a lump sum upon diagnosis of dread disease 
  • Medical evidence may be required & a well woman insurance medical examination for based amounts of cover or those with health issues
  • Premiums may be guaranteed or reviewable
  • Waiver of Premium (where the Insurer waives/protects & covers your premiums after a deferred period of 4/8/13/26 weeks due to sickness or accident)
  • To help avoid Inheritance Tax issues on death (if combined with Life Insurance) a policy should be considered placing into a split trust to retain benefits on claim

Insurance Well Woman

Each Insurers Critical Illness policy is designed for covering particular illnesses & some Insurers plans more than others.

You may wish to carefully examine the policy wording before committing to one policy or indeed consider replacing a policy or just seek professional advice. Cover is also known as dread disease insurance cover or serious illness cover.

Let's now look at the typical key features of these older branded plans. Note: These cancer only style products are now mostly no longer available.

Well Women & Cancer insurance

AIG American Life launched their specific female cancer insurance products over 10 years ago for both the UK and Ireland market. They were also sold direct and via various AIG affiliated companies without advice.

Aimed at the insurance marketplace for well women and to reassure, AIG promoted their old product range with TV adverts using celebrities like Gaby Roslin.

https://www.aig.co.uk/content/dam/aig/emea/united-kingdom/documents/Feedback-and-Complaints/brands.pdf

          Typical Key features - Older Style Plans - Standard | Premium | Gold | Plus

  • Insurers older style plans included branded female cancer life insurance policy, which may protect 1/7 female cancers including first diagnosis of breast cancer.
  • One or both ovariesthe cervixuterusvagina, vulva, or one or both Fallopian tubes

      So if you’re diagnosed with one of the gender-specified invasive cancers you may get:

  • £25,000 on diagnosis via Standard Cover 
  • £50,000 on diagnosis via Premium Cover 
  • £75,000 on diagnosis via Gold Cover 
  • £100,000 on diagnosis with Gold Plus Cover 
  • Plus include £1,000 for related early stage cancers which have not spread.
  • £50 per day spent in hospital during initial 90 days upto £4,500
  • Female children were covered for the same organs as women
  • Available upto 75 & any qualifying children to age 18
  • Premiums were reviewable, meaning they increased when you moved into their next 5-yearly age bands. 

         Conclusion

  • This typical Female Cancer Insurance only covered 7 specific types of cancers, so if you were sadly diagnosed with another cancer type or indeed any other type of critical illness then no claim is made. Premiums were not fixed, meaning they could get expensive as you got older. Likewise it had no life insurance cover element.

WELL MEN & MALE CANCER INSURANCE Cover  WellWoman Insurance Cancer Cover | Review

            Typical Key features

  • Insurers plan included a similar Well Man male cancer life insurance policy, which protected specified male cancers including 4 male organs.
  • Testicle/s, Prostate, Scrotum, Penis
  • The policy like women's one covered from £25,000 on diagnosis - plan dependant
  • Male children are covered for the same organs as men.
  • £50 per day spent in hospital
  • Plus £1,000 for specified cancers that can be treated as day cases.
  • Available upto 75 & child age 18

They also offered various protection policies including accident & sickness policies, over 50 + life cover & Business Employee Protection.

In 2021 AIG Direct UK (formerly Chartis) no longer offer direct new purchases of...

  • All Cancer Cover
  • Female Cancer & Male Cancer Cover
  • Personal Accident & Over 50s Personal Accident Insurance 
  • AIG Europe do still underwrite this product type for Union Insurance & Coverwell

WELL WOMEN CLINIC | Why should you have a Mammogram ?

Extensive medical research has shown that early Well Woman clinic detection rates - alongside routine/annual mammograms, can reassure you and improve a woman's survival rate of 5 years by 100%. It is important to remember that women's body cells are changing throughout one's life. 

Annual mammograms 

  • Aid in the early detection of cancers - which may respond well in a woman to treatment
  • Annual screening mammography, particularly over the age of 40 yrs, may significantly increases survival and decreases morbidity from getting breast cancers.

Well Women & Cancer insurance

Well Women | Cancer & Bling

Whilst writing this Well Women Female Cancer Insurance article review, I would also like to help promote a very uplifting inspirational book called ‘Cancer & Bling’. This is about my cousin Russell and his darling late wife called Lisa Brenner .

Martin Lewis Critical Illness Cover | Well Woman

 

Lisa Brenner sadly but amazingly battled various types of Cancer 11 times over a period of 21 years, until she sadly passed away a few years ago.

She was a successful business woman in her own right but managed to juggle both her busy career and her loving family, against a back drop of ongoing health issues.

Using her undoubted experiences to also campaign for better treatment, she raised awareness of the need for much earlier cancer diagnosis.

Lisa was also instrumental in successfully campaigning for the cancer drug Herceptin to be made available on the NHS. She even appeared on Sky TV News whilst having chemotherapy in 2000.

https://www.helenrollason.org.uk/2017/12/14/cancer-and-bling/

https://stclarehospice.org.uk/news_posts/lisas-book-help-cancer-patients-st-clare/

We have sadly talked about both these tragic subjects that shaped my cousin's life. My then teenage cousin Russell & his 2 younger brothers also shared grief & loss before. They lost their loving Father (My late Uncle) in an accident when they were all far too young.

Russell also then later sadly faced more grief and loss for his lovely wife Lisa Brenner to cancer and the impact that had to both himself and his young son Marc.

He knows only too well the importance of having some Life Insurance or Critical Illness or Income Protection or Private Medical Insurance - although these can never replace a loved one.

WELL WOMEN & CANCER INSURANCE Frequent Broker Questions

What if my health or lifestyle changes after I have taken out the policy ?

Critical Illness Cancer Insurance cover is based on full disclosure at the time you took the policy out ie; being 100% as honest & accurate as possible. So any health or lifestyle changes since usually does not void your existing policy, as it wasn't relevant at that time of initial application. Please check your original policy T&C's 

Are these Critical Illness Insurance payments subject to UK tax ?

Under current laws, these insurance payments are free of UK income tax. Other taxes can possibly apply, depending on your circumstances. 

WellWoman Insurance - Compare Cancer Insurance

Can you take out any Critical Illness plans that have more comprehensive cover ?

Female or male only cover was a specific Cancer based plan. In 2021, many insurers policies now cover over 50 types of critical illness including the most common types of cancer, plus heart disease, stroke and MS etc; Assuming you are still fit and healthy, if this concerns you, it makes sense to consider taking out more comprehensive cover critical illness cover. 

Is Women Well Insurance a lump sum or an income if diagnosed with cancer ?

These types of female cancer insurance plans were designed to pay tax free lump sums, not an ongoing income. If this concerns you, then Income Protection PHI Insurance can also offer peace of mind of a tax free monthly income alongside your Well Woman policy. These policy can usually cover you if unable to work due to any accident, sickness or hospitalisation.

How do Life Insurance Companies proove you are a smoker or non-smoker ?

How do Insurance Companies know if you smoke ? On your doctors notes you declared yourself a smoker or non-smoker. So on the life insurance application, there is no point in lying when you apply, as your policy may not payout & you could waste the premiums and leave your family devastated. Insurers may also do cotinine smokers health test.

If I started smoking after taking out Woman Well Insurance - Do I need to now tell the Insurer ?

If you had legitimately stopped smoking for over 12 months at that time of original application, you may wish to advise the Insurers you have started smoking again - but this should not affect the original policy terms which should still stand - you were being honest. Also maybe suggest letting your GP know if this is the case. 

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Article on: Well Women Female Cancer Insurance ~ for any old plan information or claims visit aig.co.uk

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