British cancer patients are faced with discriminatory policies from insurance companies. Because they are more insurance companies often charge twice or three times the ordinary people of travel premiums. This discriminatory policy continued to cancer patients even after recovery of a number of years.
Macmillan cancer relief charity recently launched a campaign to urge insurance companies to give those who want to travel abroad or have the people now suffering from cancer in a fair treatment. The charitable organizations require insurance companies to treat cancer patients with the more humane.
Macmillan cancer relief charity leaders Ayesha Owusu-Barnaby said: "hundreds of people every month on the advice of our travel insurance, said they were excluded travel insurance or special levy higher premiums . They really do not understand why this is in the end. "
"An increasing number of people suffering from cancer in quite a long time still alive, but also to live well. This is what Macmillan called on travel insurance companies re-evaluation of cancer patients facing the risk of reasons. At the same time we also call on insurance Before the company to change the practice for cancer patients. "
The largest travel insurance company Norwich Union, one of the company's spokesman said: "Looking at travel insurance industry, for the pre-existence of a disease there are two ways of handling measures: First, any insurance company with the pre-existing Of a medical condition caused by the claims excluded the other, but the insurance underwriting charge additional premiums. We tend to take a measure before. "He also added that travel insurance premiums are usually lower than 100 pounds, but a case under the state of emergency air medical rescue has to spend 25,000 pounds.
However, cancer charities argue that heart disease may occur suddenly the risk of cancer and a number of people suddenly in danger and need emergency situation is rare. Cancerbackup from cancer charities to a survey conducted by show: only 1.6 percent of cancer patients has been filed with the cancer-related travel insurance claims, while 70 percent of patients by their doctors to inform travel. However, the survey found that the insurance costs (too high), with more than one-tenth of the abolition of the outbound tourism, about 5 percent of patients do not buy travel insurance and travel abroad.
Direct Line's owner Royal Bank of Scotland (RBS), is working with Macmillan to cooperate, travel insurance companies aimed at changing the attitude of cancer. Direct Line insurance company will cover patients with cancer, but the premium will increase accordingly.
For example, a 40-year-old woman with her husband and children travel to Spain for a total premium of 51.35 pounds, the premium to the United States for a total of 84.73 pounds. However, if she had five years ago suffering from breast cancer and is now in a recovery phase, the Spanish tourism to the total premium will become 83.57 pounds, the total premium to the United States will become 137.89 pounds. Direct Line will also just completed the treatment of patients with coverage, but premiums will depend on the results of medical scans may be. People can also choose to rule out the possibility of cancer-insurance, so people will be able to pay and non-cancer patients the same premium.
In addition, some insurance companies focused on a pre-existing medical conditions (referring to a disease) of travel insurance. One of the biggest companies is one of PJ Hayman insurance brokerage companies. The company, through its Free Spirit insurance to cover all the pre-existing medical conditions of some sort. PJ Hayman insurance brokerage firms underwriting a 45-year-old patients with cancer of the European Tour two weeks of the premium for 151.60 pounds, while the United States two weeks of travel premiums for 505.70 pounds.
All those on the premise that cancer is in the past five years there, in the past six months with no hospital, also had no chemotherapy or radiotherapy, but do not have to take pain medicine. In fact, all of the additional premium is 75 pounds.
Free Spirit spokesman said the insurance business, the company has for the treatment of malignant conditions or in the state of patients with insurance, but also much higher than the additional premium. The spokesman added: "We received a phone cancer patients. Some of them were charged thousands of pounds of extra premiums or a huge premium." The spokesman said, the patient's insurance In fact only a small number of claims related to its related diseases. Most insurance claims on tourism in the accident.
23 years ago, from the Kent Tracey Neill, in its 17 years of age was diagnosed with cancer. Since then she had chemotherapy and radiotherapy. Now 40, he is a Macmillan staff and volunteers. She said: "I am a lucky man. I (the disease) has so far been no recurrence. I have my career, I married and has two children, a 12-year-old, an eight-year-old. Nevertheless, I Or in travel insurance on discrimination. "Three years ago, when she would like to travel abroad for their families to buy insurance, the insurance company told her she had suffered from cancer, her insurance company to immediately offer a 100 percent increase. At that time, Tracey asked the insurance company's underwriting staff, said he has never been a recurrence of the disease, before the final underwriting staff to reduce her premiums.
Tracey said: "If they (insurance companies) just want to increase that premium, I will accept. However, the additional premium is high too outrageous. I am at work in many cancer patients understand that the trip was postponed, because They can not get insurance. Insurance companies to the risk of cancer is of the view a bit excessive. But the fact that many changes have taken place, the insurance company has changed from time to time. "
Macmillan cancer relief charity recently launched a campaign to urge insurance companies to give those who want to travel abroad or have the people now suffering from cancer in a fair treatment. The charitable organizations require insurance companies to treat cancer patients with the more humane.
Macmillan cancer relief charity leaders Ayesha Owusu-Barnaby said: "hundreds of people every month on the advice of our travel insurance, said they were excluded travel insurance or special levy higher premiums . They really do not understand why this is in the end. "
"An increasing number of people suffering from cancer in quite a long time still alive, but also to live well. This is what Macmillan called on travel insurance companies re-evaluation of cancer patients facing the risk of reasons. At the same time we also call on insurance Before the company to change the practice for cancer patients. "
The largest travel insurance company Norwich Union, one of the company's spokesman said: "Looking at travel insurance industry, for the pre-existence of a disease there are two ways of handling measures: First, any insurance company with the pre-existing Of a medical condition caused by the claims excluded the other, but the insurance underwriting charge additional premiums. We tend to take a measure before. "He also added that travel insurance premiums are usually lower than 100 pounds, but a case under the state of emergency air medical rescue has to spend 25,000 pounds.
However, cancer charities argue that heart disease may occur suddenly the risk of cancer and a number of people suddenly in danger and need emergency situation is rare. Cancerbackup from cancer charities to a survey conducted by show: only 1.6 percent of cancer patients has been filed with the cancer-related travel insurance claims, while 70 percent of patients by their doctors to inform travel. However, the survey found that the insurance costs (too high), with more than one-tenth of the abolition of the outbound tourism, about 5 percent of patients do not buy travel insurance and travel abroad.
Direct Line's owner Royal Bank of Scotland (RBS), is working with Macmillan to cooperate, travel insurance companies aimed at changing the attitude of cancer. Direct Line insurance company will cover patients with cancer, but the premium will increase accordingly.
For example, a 40-year-old woman with her husband and children travel to Spain for a total premium of 51.35 pounds, the premium to the United States for a total of 84.73 pounds. However, if she had five years ago suffering from breast cancer and is now in a recovery phase, the Spanish tourism to the total premium will become 83.57 pounds, the total premium to the United States will become 137.89 pounds. Direct Line will also just completed the treatment of patients with coverage, but premiums will depend on the results of medical scans may be. People can also choose to rule out the possibility of cancer-insurance, so people will be able to pay and non-cancer patients the same premium.
In addition, some insurance companies focused on a pre-existing medical conditions (referring to a disease) of travel insurance. One of the biggest companies is one of PJ Hayman insurance brokerage companies. The company, through its Free Spirit insurance to cover all the pre-existing medical conditions of some sort. PJ Hayman insurance brokerage firms underwriting a 45-year-old patients with cancer of the European Tour two weeks of the premium for 151.60 pounds, while the United States two weeks of travel premiums for 505.70 pounds.
All those on the premise that cancer is in the past five years there, in the past six months with no hospital, also had no chemotherapy or radiotherapy, but do not have to take pain medicine. In fact, all of the additional premium is 75 pounds.
Free Spirit spokesman said the insurance business, the company has for the treatment of malignant conditions or in the state of patients with insurance, but also much higher than the additional premium. The spokesman added: "We received a phone cancer patients. Some of them were charged thousands of pounds of extra premiums or a huge premium." The spokesman said, the patient's insurance In fact only a small number of claims related to its related diseases. Most insurance claims on tourism in the accident.
23 years ago, from the Kent Tracey Neill, in its 17 years of age was diagnosed with cancer. Since then she had chemotherapy and radiotherapy. Now 40, he is a Macmillan staff and volunteers. She said: "I am a lucky man. I (the disease) has so far been no recurrence. I have my career, I married and has two children, a 12-year-old, an eight-year-old. Nevertheless, I Or in travel insurance on discrimination. "Three years ago, when she would like to travel abroad for their families to buy insurance, the insurance company told her she had suffered from cancer, her insurance company to immediately offer a 100 percent increase. At that time, Tracey asked the insurance company's underwriting staff, said he has never been a recurrence of the disease, before the final underwriting staff to reduce her premiums.
Tracey said: "If they (insurance companies) just want to increase that premium, I will accept. However, the additional premium is high too outrageous. I am at work in many cancer patients understand that the trip was postponed, because They can not get insurance. Insurance companies to the risk of cancer is of the view a bit excessive. But the fact that many changes have taken place, the insurance company has changed from time to time. "
No comments:
Post a Comment