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near-death insurance

Frequently asked question

Do you payout for cancer?

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.

(We will not pay for benign tumours and skin cancers, except for melanoma that has spread beyond the skin).


What we won’t payout for

Stage 0: Cancer

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

Stage 1: Cancer

A relatively small cancer that has not spread into surrounding tissue or lymph nodes. These cancers are easily treated and you’re likely to bounce back in a relatively short period.


What we will payout for

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

Stage 2: Cancer

A larger cancer which has  spread into the surrounding tissue or lymph nodes.

Stage 3: Cancer

A larger cancer which has spread more widely or deeper into the surrounding tissues or lymph nodes.

Stage 4: Cancer

Cancer which has spread to another organ.

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