An authorised Financial Service Provider
Cancer Insure - Flexible Cancer Cover
Eligibility: No prior cancer history & no prior cancer diagnosis
We offer straightforward cancer insurance to individuals who value safety and seek peace of mind during the uncertain time of a cancer diagnosis. Our goal is to provide efficient support and financial security for those affected by cancer.
Get covered:
Sign up and choose your payout amount with Cancer Insure.
Get Diagnosed:
If you find out that you are diagnosed with any cancer at any stage you can submit a claim.
Get Paid Out:
On Successful Claim, Cancer Insure will pay out your sum assured as a lump sum into your bank account.
Key Features and Benefits:
- Coverage: Comprehensive coverage for ALL types of cancer.
- Benefit Amount: Flexible options to choose coverage ranging from R100,000.00 to R2,000,000.00.
- Simple Application: No need for medical underwriting or exams; eligibility is determined by answering six qualifying questions.
- Eligibility: Open to individuals aged 18 to 55 with no prior cancer history and no cancer diagnosis in immediate family members before the age of 60.
- Financial Protection & Pay-out: Upon cancer diagnosis (stage 1-4) and valid claim acceptance, receive 100% of the chosen benefit amount. Use the payout for medical expenses, treatment costs, and unforeseen recovery-related expenses.
- Child Cancer Benefit: If your dependent child (ages 0-18) is diagnosed with cancer (stage 1-4), you receive 10% of your benefit amount to support their care.
- Waiting Periods: A 6-month waiting period from the policy’s start before the coverage becomes active.
- Premium Increase: Premiums will increase by 6% annually on the policy anniversary.
To claim your payout, simply email us three documents: your pathologist report, your oncologist report, and a copy of your ID. After we receive your email, we will review the documents and process your payout to your listed bank account.
Cancer can result in various additional expenses beyond just medical costs, and relying solely on medical aid or gap cover may not be sufficient due to limitations on treatments or payouts.
A large number of South Africans have critical illness cover to ensure their protection. However, it’s worth noting that out of the paid claims, 80% are cancer-related. Therefore, paying for affordable cancer-specific coverage is a viable option since it caters to the most probable diagnosis and is more cost-effective.
If you are diagnosed with any type of cancer, at any stage, you can submit your claim for review. Afterwards, we will contact you to arrange payment of the sum assured into your bank account, subject to terms and conditions.
Cancer Insure covers all cancers (at all stages). You can see our exemption list are skin related cancers below.
If you had cancer before getting the insurance policy or had been diagnosed with cancer by a specialist prior to the start of the insurance, OMART will not pay for any condition or event that can be traced back to that pre-existing cancer. This means that no claims will be paid, and the premiums you’ve paid will be forfeited.
The cancer exclusion list includes, but is not limited to, the following types of cancers:
- In-situ cancers: early-stage cancers that are confined to the site of origin.
- Early cancers: cancers detected in their early stages.
- Pre-existing cancers: cancers that existed before the insurance policy.
The term “cancer” as used in the policy does not include the following:
- Benign tumours or tumours with low malignant potential: non-cancerous growths or tumours that have a low likelihood of becoming cancerous.
- Carcinoma in situ (Tis) or Ta tumours: tumours that are still in the early stages and have not invaded surrounding tissues.
- Non-melanoma skin cancers: common types of skin cancers that are not melanoma.
- Prostate cancer unless it has specific characteristics: Prostate cancer is not covered unless it has a Gleason score greater than 6 or has progressed to at least stage T2N0M0.
- Bone marrow malignancies unless specific treatments are required: Cancers affecting the bone marrow, such as leukaemia or myelofibrosis, are not covered unless they require treatments like blood transfusions, chemotherapy, or bone marrow transplants.
- Cancers identified only from biomarkers: Cancers that are identified solely through tests detecting tumour cells, DNA fragments, or other biomarkers in bodily fluids like blood, saliva, or urine.
Contact Us
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