Not all cancers are equal, so we can only payout if it’s one which is not so easily treatable and is likely to have a bigger impact on your life, therefore we can only payout for cancer that has progressed to prognostic stage 2 or equivalent on TNM classification.

(Benign tumors are excluded, most skin cancers are excluded, melanoma that has spread beyond the skin is included).


What we won't payout for

Stage 0: Carcinoma


A group of abnormal cells that is too small to form a tumor. They may develop into cancer in the future if untreated.


Stage 1: Cancer


A relatively small cancer that is contained in the organ it started in.


These cancers are more easily treated and you’re likely to bounce back in a relatively short period.


What we will payout for

Stage 2: Cancer

A larger tumor which may have started to spread into the surrounding lymph nodes.

Stage 3: Cancer

A larger tumor which may have started to spread into the surrounding tissues.

Stage 4: Cancer

Cancer which has spread to another organ.

These cancers will require more serious treatment, possibly including chemotherapy, and are more likely to have a long term effect on your life.