October is Breast Cancer Awareness Month, and to mark this month, we’re sharing a case study where we paid a client after she was diagnosed with ductal carcinoma in situ. The client was diagnosed with this type of breast cancer – which is generally considered the earliest form of breast cancer – in 2014 when she was 45 years old.
We paid out 50% of her cover amount, under her additional expense needs cover, on diagnosis of this condition. The client had a tumour resection and did not require a mastectomy. As BrightRock doesn’t require clients to go for optimal treatment under our additional expense needs cover, we paid the client when she met our clinical criteria. Clients need to meet the following definition to qualify for a claim: “Diagnosis of pre-cancer of the ductal type (cells lining the small ducts of the breast, which carry the milk) that has not yet spread to other cells. The diagnosis must be confirmed by histological evidence from a biopsy”. With some other providers in the market, the client would have had to have a mastectomy or some other form of treatment to qualify for a pay-out. Some other providers even require clients to buy an additional product, on top of their critical illness cover, to qualify for pay-outs for early stage cancers.
Please speak to your BrightRock Distribution Specialist at Egis Innov8ions Financial Services, if you’d like to find out more about BrightRock’s market-leading additional expense needs cover, which covers over 300 conditions, the most comprehensive list of clinical definitions in the market.