Unless otherwise stated in your policy or your Policy Schedule, this insurance does not cover claims related to or in any way caused or contributed to by:
This insurance does not cover claims for, or in any way caused or contributed to by:
We will cover you, and if appropriate your spouse or partner residing with you, under this policy if you and your spouse or partner
Subject to payment of the required premium by you, your children can be added to this policy once they have become three years old and until they reach the age of 18 years old (or twenty-five years old if they are in full-time education). Benefits for children under the age of 18 are reduced by 50%.
Cancer treatments will normally involve an episode of surgery plus a course of chemotherapy or radiotherapy. The episode of surgery will vary according to the operation but most cancer surgery will be classified as either Band B or Band C.
We classify chemotherapy as a Band C procedure and radiotherapy, which has a shorter recovery time, as Band B.
Medical Recovery Insurance policyholders can make one claim for the treatment of cancer during their lifetime unless the cancer is either a pre-existing condition or cancer in which case it is excluded. A treatment for cancer can include a maximum of one episode of surgery, one course of chemotherapy and one course of radiotherapy providing that the treatment is for the same cancer.
No further treatments will be covered during the policy lifetime either for additional treatment of the original cancer or for a recurrence of that cancer in the same place or another place in the body or for the occurrence of another cancer anywhere else in the body.