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Cancer Cover - Frequently Asked Questions

It’s not easy to talk about cancer. We do have a team that’s happy to answer your questions over the phone – you can call us on 020 8915 1445. But we know that it’s good to take in information in your own time. Here are some of the most frequently asked questions we hear about our Cancer Cover plan.
1. Why have you changed from CancerCare to Cancer Cover? Back To Top
AIG Direct have decided to align our cancer products Cancer Cover, Cancer Cover Female (female specific cancer) and Cancer Cover Male (male specific cancer) under one umbrella and introduce Cancer Cover Male, formerly WellMan, which has not previously been available to buy online.

2. How does Cancer Cover work? Back To Top
If you’re diagnosed with one of the cancers we cover, you’ll get a one-off sum of money that can help you pay for the everyday and unforeseen expenses. That’s things like extra heating to keep warm during and after treatment, transport to and from hospital, extra childcare and nutritional supplements. The money can be used however you wish to ease the financial burden - allowing you to focus on recovery.

3. What are the benefits? Back To Top
We will pay:
  • £25,000 for invasive cancers with Standard Cover or £1,000 for related early stage cancers which have not spread.
  • £50,000 for invasive cancers with Premier Cover or £1,000 for related early stage cancers which have not spread.
  • £75,000 for invasive cancers with Platinum Cover or £1,000 for related early stage cancers which have not spread.
  • £100,000 for invasive cancers with Platinum Plus Cover or £1,000 for related early stage cancers which have not spread.
We’ll also pay a hospital benefit for all 24 hour hospital stays required as a direct result of your diagnosis of cancer up to £4,500.
Importantly, you’ll get emotional support from the Oncology Team at Red Arc. This includes a personal nurse adviser who’ll be available by telephone for dedicated help, advice and support for as long as you need it and:
  1. Telephone sessions with a specialist counsellor
  2. or a residential course of therapy
  3. or a programme of therapy or counselling for you and your family

4. Which cancers does Cancer Cover deal with? Back To Top
Cancer Cover provides a one-off sum on diagnosis of the following cancers:
  1. Early stage cancers which have not spread other than in the breast
  2. Skin cancer other than malignant melanoma
  3. Any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue in a primary site, except tumours described as being pre-malignant or non-invasive
  4. Leukemia
  5. Hodgkin’s lymphoma and Non-Hodgkin's lymphoma
  6. Early stage cancer within the breast which has not spread
  7. Malignant melanoma
The benefit payable for cancer 1 and 2 is £1,000. For all other cancers described, we will pay the one-off sum you choose for your policy – £25,000 with Standard Cover, £50,000 with Premier Cover, £75,000 with Platinum Cover or £100,000 with Platinum Plus Cover.

5. What’s invasive cancer? Back To Top

Invasive cancer is a malignant tumour that’s characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue in a primary site. Examples are:

  1. Leukaemia
  2. Hodgkin’s lymphoma and Non-Hodgkins lymphoma
  3. Malignant melanoma

6. What’s not covered by Cancer Cover? Back To Top
We will not pay diagnosis benefits if you are diagnosed as having cancer within the 90-day waiting period or if you receive medical advice, have symptoms or tests, or receive any medication or treatment, for cancer within the waiting period.
Cancer Cover doesn’t provide benefits for a cancer if you have been diagnosed with the same cancer before your effective date.
We will not make a payment for a claim based on a diagnosis made by an insured person or a member of the insured person’s family. We will not make a payment for any tumours which are histologically described as pre-malignant.
There is no cover if you live outside of the UK.
All of the exclusions are shown in the Policy Documents .

7. Can I still be covered if I have already had cancer? Back To Top
Yes. But you won’t be covered for any cancer that was diagnosed before your effective date or any secondary cancer arising as a result of a previously diagnosed cancer. So if you’ve been diagnosed with cancer before you may not receive the cover you need.

8. I’m aware of pre cancerous cells before taking out the policy, can I be covered? Back To Top
If this is to develop into a cancer being claimed for and it is reasonable that this was known about before taking out the policy, then we will not cover this cancer.

9. What would my children be covered for? Back To Top

Children are covered for the same cancers as adults.


10. Am I eligible? Back To Top
You’ll need to be aged between 18 - 69 and resident in the UK.

11. You mention a counselling service, what’s that? Back To Top
Our policies offer access to the Oncology Support Service provided by Red Arc. Our specialist oncology team can provide information and advice about cancer, including benefits, allowances, grants and work related issues. They can pass on information about appliances and equipment or specialist clothing you may need as well as advice on nutritional supplements. If you require it they can arrange therapy or counselling for you and your family as well as providing a link to other support services such as local hospices, support groups or charities.

12. Can I cancel my Cancer Cover policy? Back To Top
Yes, you can cancel your policy at any time. If a policyholder cancels within 30 days of receiving your policy they will be entitled to a full refund of that premium less any claims. We will provide the refund to you within 30 days from the date we receive your notice of cancellation.
If a policyholder cancels after the 30 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days less any claims payment.
You can cancel your policy by calling us on: 020 8662 8195 or in writing to: AIG Direct (Cancer Cover), Norfolk House, Wellesley Road, Croydon, CR0 1LH.

13. Will I need to take a medical? Back To Top
No. There’s no medical needed to join, for any of our cancer policies. We reserve the right to ask you to attend a medical examination at claims stage.

14. Can you offer any advice on whether this is the right plan for me? Back To Top
We can’t advise you, but we are happy to answer your questions on product information.

15. Would my premiums increase as I get older? Back To Top
Yes, when you move into the next five year age band. We’ll let you know in writing before your premium increases.

16. Up to what age would I be covered? Back To Top
Provided you continue to pay the premiums, your cover can continue until the premium due date following your 75th birthday.

17. Where would my money go if I die? Back To Top
The money would go to your legal representative.

18. Am I covered if I smoke? Back To Top

Yes. You will be charged the smoker premium rates if you have smoked in the last 2 years but the benefits of the Plan are the same.


19. Am I covered during pregnancy? Back To Top

20. What are your opening hours/phone numbers? Back To Top
If you have any questions about your policy please call Customer Services on 020 8915 1445. 
Lines are open between 8:00am and 6:30pm Monday to Friday or you can email Customer Services on cancercoverenquiries@aig.com

21. How would I make a claim? Back To Top
You can call us on 020 8662 8101 or if you prefer, you could write to us at:
AIG (Cancer Cover)
Norfolk House
Wellesley Road

22. Would my payment be tax free? Back To Top
Yes. It is free from income tax, under current legislation, but may be subject to inheritance tax and other taxes.