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When diagnosed with cancer, it’s difficult enough for people to try and come to grips with the news – let alone having to make decisions about treatment and worrying about the financial implications. Because of the high cost of cancer treatment the Cancer Association of South Africa (CANSA) recently introduced CancerSureTM (a first of its kind in South Africa), comprehensive insurance policy aimed at meeting the financial needs of those diagnosed with cancer.
Even the best medical aid funds don’t always cover all costs related to cancer treatment. Out-of-pocket expenses can add up quickly and soon turn into a heavy burden for many people, affecting their ability to pay for other basic things such as rent and fuel. In some cases the cost can get so high that a person may decide to stop cancer treatment early, or even worse - not get it at all.
People who have had cancer in the past are usually excluded from this type of cover, however with CancerSureTM, people who have been free of cancer for at least 10 years can also be covered. Premiums start at only R55 per month with cash payouts of up to R100 000.
“Make sure to make the smart choice - we know that CancerSureTM payouts of up to R100 000 will make a world of difference in the lives of new cancer survivors, and also in the lives of long term cancer survivors whose cancer comes back,” says CANSA CEO and cancer survivor of 28 years, Sue Janse van Rensburg.
CancerSureTM was specifically developed to meet the financial needs that may arise when someone is diagnosed with cancer as well as any additional challenge that may arise, like having to change employment or even having to stop working altogether. The benefit amount is not linked to any medical cost that may be incurred and any person aged 18 to 60 years of age is eligible to apply for the CancerSureTM policy. It also includes an additional death benefit.
For more information about CancerSureTM
Why this Policy?
This is an insurance policy specially developed for the by LionHeart Risk Management for the purpose of meeting the financial needs that may arise when someone is diagnosed with cancer.
It is also intended to meet any additional challenge that may arise, like having to change employment or maybe even having to stop working altogether. The benefit amount is NOT linked to any medical cost that may be incurred. Any person aged 18 to 60 years of age is eligible to apply for the CancerSureTM Policy.
Who can apply?
Any person who has not previously been diagnosed with cancer may apply for the cover or any person who was previously diagnosed with cancer and has proven to be without any evidence of the disease for a period of at least 10 years.
Limits of Indemnity - The insured person will be paid one of the following amounts (depending on the level of cover selected by the insured person) and provided a valid claim is made: R20 000, R50 000 or R100 000.
The above mentioned cover limit will be paid out upon diagnosis of cancer by a registered medical specialist and confirmed by the Insurer’s approved panel of specialists. Payment is made directly into the account of the insured person who will have the sole discretion to determine how the money is to be used. Payments will NOT be made to hospitals, medical practitioners or medical specialists. The CancerSure Policy was tailor-made according to requirements specified by CANSA to meet the needs of its target market.
The CancerSure Policy cover includes an additional benefit upon death of the insured to the value of R15 000 and an additional amount of R15 000 is payable if the death is caused by a vehicle accident. CANSA will grant automatic free membership provided the insured’s cover is valid.
The following monthly payments (inclusive of VAT) are payable:
Benefit Limit Premium
Premiums will be collected via debit order system as indicated by the insured person. A once-off fee of R50 per insured person is payable.
The CancerSure Policy covers all diagnosed cancers. Cancer means the presence of one or more malignant tumours as confirmed by histology, excluding pre-malignant conditions, carcinoma in situ and skin cancer. The following additional exclusions shall apply:
CANSA offers a unique integrated service to the public and all people affected by cancer. As a leading role-player in cancer research (more than R6 million spent annually), the scientific findings and knowledge gained from our research are used to realign our health programmes as well as strengthen our watchdog role to the greater benefit of the public.
Our wide-reaching health programme includes prevention and education campaigns, CANSA Care Centres that offer stoma and lymphoedema clinics, medical equipment hire, toll-free line and support to children and their families affected by cancer. Patient care and support in the form of 13 CANSA Care Homes and the main metropolitan areas plus one hospitium (based in Polokwane) for out-of-town cancer patients as well as CANSA-TLC Lodging for paediatric oncology parents.
(Visit www.cansa.org.za or call CANSA toll-free 0800 22 66 22, or email: firstname.lastname@example.org). For media information, please contact Lucy Balona, Head: Marketing and Communication at CANSA or email: email@example.com, call 011 616 7662 or cell: 082 459 5230.)Gallery of launch on 29 March 2012:
Johanna Francis - breast cancer survivor and the CANSA Care Manager for
the Lukholweni Care Home in Soweto
From left to right: Wayne Guerin - Old Mutual Representative, Werner Roets - Managing
Director of Lion Heart Risk Management, Sue Janse van Rensburg - CANSA CEO
From left to right: Cyril Akonteh - Founder/Executive Director Splash Cancer Community
Care Programme, Johanna Francis, Bi Wanki – Field Support Worker, Splash Cancer
Community Care Programme