Comprehensive cancer cover

Transcription

1 Retirement Investments Insurance Health Comprehensive cancer cover Life Insurance+ with critical illness and Critical Illness+

2 Cancer is one of the biggest fears for the British public This is why our critical illness cover offers comprehensive cover if you, or your children, are diagnosed with cancer. Every 2 minutes Someone in the UK is diagnosed with cancer 1 Cancer accounts for 61.39% of our critical illness claims 2 An estimated 2.5 million people are living with a diagnosis of cancer in the UK 3

3 You need the best support if cancer strikes 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime 4 In women, breast cancer is the most common cancer, 4 in 10 of all cases ( ) 4. In men, testicular cancer is the most common cancer with 3 in 20 at risk ( ) 4. 4 out of 5 cancer patients are on average 570 per month worse off because of their illness 5 aged between aged between ,860 people were diagnosed with cancer in

4 What is cancer? Cancer is the uncontrolled growth of abnormal cells. There are many different types of cancer that can occur in the skin and organs, as well as in the blood and bones. If cancer is not treated, malignant cells can invade and destroy surrounding healthy cells and eventually the cancer may spread to other areas.?? What is invasive cancer? What is non-invasive cancer, or cancer in situ?

5 What is cancer? Cancer is the uncontrolled growth of abnormal cells. There are many different types of cancer that can occur in the skin and organs, as well as in the blood and bones. If cancer is not treated, malignant cells can invade and destroy surrounding healthy cells and eventually the cancer may spread to other areas.?? What is invasive cancer? What is non-invasive cancer, or cancer in situ? Invasive cancer Invasive cancer Invasive cancer is cancer that has spread beyond the layer of tissue in which it developed and is growing into surrounding, healthy tissues.

6 What is cancer? Cancer is the uncontrolled growth of abnormal cells. There are many different types of cancer that can occur in the skin and organs, as well as in the blood and bones. If cancer is not treated, malignant cells can invade and destroy surrounding healthy cells and eventually the cancer may spread to other areas.?? What is invasive cancer? What is non-invasive cancer, or cancer in situ? Cancer in situ Non-invasive cancer or cancer in situ Non-invasive cancer or cancer in situ is an early stage cancer in which the cancerous growth or tumour is still confined to the site where it started, and has not spread to surrounding tissue or other organs in the body.

7 The most common cancers There are more than 200 different types of cancer, but four of them breast, lung, prostate and bowel cancer accounted for over half of all new cancer cases in the UK in Number of diagnoses (in the UK 2014) Breast cancer 55,222 cases Lung cancer Prostate cancer Bowel cancer 41,265 cases 46,403 cases 46,690 cases Malignant melanoma Non-Hodgkin lymphoma Kidney cancer 15,419 cases 13,605 cases 12,523 cases Bladder cancer 10,063 cases 0 10,000 20,000 30,000 40,000 50,000 60,000 Chart Source: Cancer Research Uk, inc_20common_persons

8 The most common cancers in 2014 Most common male cancers 4 Most common female cancers 4 47% All other cancers 26% Prostate cancer 47% All other cancers 31% Breast cancer 14% Lung cancer 12% Lung cancer 13% Bowel cancer 10% Bowel cancer

9 Why choose Aviva? We offer comprehensive critical illness cover, covering a wide range of illnesses including cancer. All invasive cancers and the vast majority of the most common non-invasive cancers are covered. Our main cancer definition pays 100% of your benefit. Cancer excluding less advanced cases Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes: leukaemia; sarcoma; lymphoma (except cutaneous lymphoma lymphoma confined to the skin). pseudomyxoma peritonei Merkel cell cancer The following are not covered: All cancers which are histologically classified as any of the following: pre-malignant non-invasive cancer in situ having borderline malignancy; or having low malignant potential. all tumours of the prostate unless histologically classified as having a Gleason score of 7 or above, or having progressed to at least TNM classification T2bN0M0. malignant melanoma skin cancer that is confined to the epidermis (outer layer of skin). any non-melanoma skin cancer or cutaneous lymphoma unless it has spread to lymph nodes or distant organs

10 Why choose Aviva? Less advanced cancers additional payment Aviva offers cover for less advanced cancers as part of our additional critical illness benefit. If you have critical illness cover you may be able to claim a lump sum payment of up to 25,000 or 25% of your cover amount, whichever is lower, if you meet our definition for the following cancers: Less advanced cancer of the breast with surgical removal Less advanced cancer of the prostate of specified severity and treatment. Upgraded Critical Illness Cover If you choose our upgraded critical illness cover you will additionally be covered for each of the following less advanced cancers. The following types of less advanced cancers are covered at specified levels of severity or requiring specified treatment and we will pay the lower of 25,000 or 100% of your cover amount anus appendix, colon or rectum bile ducts breast cervix gall bladder larynx lung or bronchus oesophagus oral cavity or oropharynx ovary pancreas prostate renal pelvis or ureter small intestine stomach testicle thymus thyroid urinary bladder uterus vagina vulva Further information about these cancers and all the other conditions covered can be found in our policy conditions available from your adviser. Terms and conditions apply. Please note that not all types of cancer are covered.

11 Why choose Aviva? 2016 critical illness cover claims paid 2 2% Benign brain tumour 15% Other In 2016, cancer was by far the most common reason for our customers to claim on their critical illness cover. 5% Mutiple sclerosis 6% Stroke 9% Heart attack 63% Cancer

12 Why choose Aviva? Though cancer in children is relatively rare, it s good to know that our critical illness cover includes childcover benefit, which means your children are also covered for a range of illnesses, including cancer Childcover claims 2 Leukaemia is the most commonly diagnosed cancer in children 4 36% Cancer Around 1,600 children are diagnosed with cancer in the UK every year. That s 30 children every week 4

13 Why choose Aviva? Added value benefits included at no extra cost Through our critical illness cover you also have: 24-hour access to Bupa nurses for medical and emotional support. Access to a second opinion from a world-renowned cancer specialist. Access to short-term counselling and carer support services. Optional benefit available at an additional cost You can select our Global Treatment as an optional benefit, which gives you more treatment options if you are diagnosed with cancer or other specified conditions. It opens the doors to specialist overseas treatment at a time when you need the very best care. Bupa Anytime HealthLine, Second Opinion by Best Doctors and Workplace Options counselling and carer support services are discretionary benefits that may be withdrawn by Aviva at any time. Bupa Anytime HealthLine is provided by or through subsidiary companies of the Bupa Group. Best Doctors is a registered trademark of Best Doctors Inc. in the United States and other countries. Used with permission. Counselling and carer support services are provided by Workplace Options. Source: 1 NHS Choices 2 Aviva Claims Team MacMillan Cancer Support, Statistic Factsheet Cancer Research UK, accessed August MacMillan Cancer Support, Cancer s hidden price tag

14 If you have any questions, please speak to your financial adviser. Aviva Life Services UK Limited, Registered in England No Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number aviva.co.uk PT /2017