Private Business Intermediaries

Cancer We Care

Why Cancer Care is Important To Us

Around 331,000 people were diagnosed with cancer in the UK in 2011, which means about 524 cases for every 100,000 people (Cancer Research 2012). The most common cancers are: breast, lung, bowel and prostate.

The good news is that people are getting tested earlier, treatments are getting better and life expectancy for people with cancer is better than ever before.

How We Can Help

Cancer coverage is one of our top priorities at Freedom Health Insurance. We cover testing, treatment and also follow up. If your cancer comes back, we will be there to help you get treated again. We understand cancer recovery is more than just about treatment. That is why we also provide cover for reconstructive surgery for breast cancer.

What We Cover

What is Covered●   Surgery, chemotherapy, radiotherapy and support services that are administered to achieve cure or to reach remission. Treatment plans and surgery must be widely recognised as safe and effective treatments.

●   Chemotherapy for drugs licensed by the European Medicines Agency (EMEA). They must be used for the purpose for which they are currently licensed and widely available within the NHS. Combination drug therapies will only be considered if widely recognised for use within the NHS. All drugs must also be agreed by National Institute of Health and Clinical Excellence (NICE).

●   Hormonal and biological therapies, e.g. Monoclonal antibodies, such as Herceptin, if licensed with the EMEA. They must be approved by the National Institute of Health and Clinical Excellence (NICE) and be used for the purpose for which they are currently licensed and widely available within the NHS. If used in combination with other drugs, hormonal and biological therapies will only be considered if these combinations are widely recognised for use within the NHS.

●   Follow-up consultations and monitoring for a period of 5 years once treatment to achieve cure or to reach remission has ceased.

●   Breast reconstruction and surgery to improve symmetry, following a mastectomy or lumpectomy. We will pay for such operations for a period of up to 24 months following initial surgery.

What Is Not Covered?

What is not covered●   Drugs that are still under trial or trials of combination drug therapies. 

●   Surgical and non-surgical treatment of cancer that is not recognised for treating that particular type of cancer.

●   Maintenance or long-term therapies where the condition is stable, remains in remission, or remission cannot be achieved.

●   Treatment of cancer where the intent is to provide relief of symptoms.

●   Treatment costs that exceed the Procedure limits or Policy limits (if applicable). If your cancer comes back, Freedom Health Insurance will assess your medical condition and proposed treatment as a new episode of treatment and will follow the same process in assessing the eligibility of your claim.

Where you have a recurrence of cancer, we will ask your specialist for specific information about the intent of treatment to determine whether your claim remains eligible for benefit. Where the intent of treatment is to provide relief of symptoms, rather than attempting to affect the growth of cancer, benefit will cease. We will always talk to you and your specialist if this situation arises to ensure a smooth transition from private to NHS healthcare and that you do not experience a break in treatment.

Please check your individual policy for the exact coverage.