The Korea Mutual Insurance Newspaper starts a fun insurance story series. It is easy to understand and fun through difficult and unfamiliar insurance and cases that can be easily encountered in everyday life.
#Mr. Kim (59) was diagnosed with kidney cancer two years ago and was cured as a result of consistent diet and treatment. However, during a recent health examination, it was discovered that the kidney cancer had metastasized to the lungs. At the time, Mr. Kim was diagnosed with kidney cancer. Can he be compensated for re-diagnosed cancer?
Most of the cancer insurance’s diagnosis fee is one-time, and once it is covered, it cannot be covered for cancer that occurs later. Once compensation is received, it is difficult to re-register for about 5 years, and even if it is possible, the insurance premium rises exponentially or the guarantee is poorer than before.
That’s not to say there isn’t a way. If you are worried about cancer recurrence or metastasis, you can be compensated by subscribing to re-diagnosis cancer insurance or secondary cancer insurance as special cancer insurance contracts.
In the case of re-diagnosed cancer, recurrent cancer, metastatic cancer in which cancer cells from the original site of origin have spread to new organs, new primary cancer different from the first cancer, and residual cancer in which cancer cells remain at the diagnosed site are applicable. Secondary cancer is a new cancer that is completely different from the original cancer. Secondary cancer does not guarantee recurrence or metastasis.
However, you should pay attention to the warranty period. For re-diagnosed cancer, coverage begins two years after the date of diagnosis of the first cancer. Here, the first confirmed date of cancer diagnosis refers to the date of the biopsy report, not the date the doctor wrote on the diagnosis. If it is less than 2 years, there is no guarantee.
For example, if a re-diagnosis occurs on January 1, 2020, two years after being diagnosed with cancer for the first time on January 1, 2018, you can receive a re-diagnosis payment. If a third cancer develops one year later, on January 1, 2021, you will not receive a diagnosis.
In the case of secondary cancer, only the first one is guaranteed after 1 year from the date of diagnosis of the first cancer. For example, if lung cancer develops within a year after colorectal cancer, insurance cannot be provided.
In the case of re-diagnosis cancer insurance, the coverage is wide and multiple times covered, but insurance premiums are expensive, so it is necessary to consider your health condition or family history of cancer. [한국공제보험신문=홍정민 기자]
2023-05-04 05:22:00
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