May 20, 2012 | |

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Cancer Insurance
The Comprehensive Cancer Plan from MS Life

In South Africa up to one in four people will be diagnosed with cancer and have to deal with the emotional, physical and financial hardships that follow. Make sure you have planned for this high risk disease with cancer insurance from MS Life.

Cancer insurance will pay you a lump sum upon diagnosis, to assist with any medical expenses not covered by your medical aid, or for any other unexpected expenses associated with the treatment.  Cancer insurance will also help you cope with loss of income if you can’t work because of your illness.

Give yourself the best chance you can and look at the affordable cancer insurance premiums from MS Life!

Cancer Treatment – Cancer can be Beaten!

Cancer is no longer a death sentence. New cancer treatments are being developed all the time and many cancer sufferers look forward to a full recovery. Cancer treatment though is expensive, often costing thousands of rands!

At MS Life we believe that your best chance at successful cancer treatment, is to ensure that you don’t have to worry about how you will pay the bills. That’s why we developed the Comprehensive Cancer Plan.

We pride ourselves on our personal service and our ability to settle claims quickly and without fuss. Do yourself a favour and get a quote on our cancer insurance plans today!

  • Cash paid directly to you and not to a 3rd party
  • Cash payout of up to R50,000
  • Reconstructive surgery benefit up to R20,000
  • Cancer cover for your insured children
  • Funeral cash payout of R5,000 (any cause of death)
  • Accidental death and disability cover included
  • Cover up to the age of 65 OR
  • You can extend cover for your whole life, and get funeral cover for your whole family!
Benefits
Standard Plan to
Age 65
Whole of Life
Plan
Lower Plan
Higher Plan
Lower Plan
Higher Plan
Diagnosis of cancer
R 25 000
R 50 000
R 25 000
R 50 000
Accidental disability
R 25 000
R 50 000
R 25 000
R 50 000
Accidental death
R 6 250
R 12 500
R 6 250
R 12 500
Reconstructive surgery
R 10 000
R 20 000
R 10 000
R 20 000
Children's cancer
R 5 000
R 5 000
R 5 000
R 5 000
Termination of pregnancy as a result of cancer
R 500
R 1 000
R 500
R 1 000
Funeral cover
Main member
R 5 000
R 5 000
R 5 000
R 5 000
Spouse
N/A
N/A
R 5 000
R 5 000
Child dependants
14-21 years
N/A
N/A
R 5 000
R 5 000
Child dependants
6 - 13 years
N/A
N/A
R 2 500
R 2 500
Child dependants
0 - 5 years
N/A
N/A
R 1 250
R 1 250
Stillborn children
(over 28 weeks)
N/A
N/A
R 625
R 625

WHAT IT COSTS
Main member
15 to 39 years
R 69
R 84
R 79
R 94
Main member
40 to 49 years
R 79
R 99
R 94
R 114
Main member
50 to 65 years
R 89
R 114
R 109
R 134
  • A claim will not be paid if cancer is diagnosed within the first 3 months of the start of the policy.
  • Funeral claims will not be paid for the first 6 months.
  • Conditions for which the life insured received treatment in the 12 months before the start of the policy, or those that you reasonably knew about, will not be covered in the first 12 months of the policy.
Critical Illness Benefit Disclosure Grid as measured against ASISA critical illness definitions
Note: Paid on diagnosis
  Level A
Most severe		 Level B
Moderate impairment		 Level C
Mild impairment		 Level D
Almost full recovery
Cancer 100% 100% 100% 100%


Note: Terms and conditions apply. This site provides a summary of the benefits provided. Please refer to the policy document for full terms and conditions, exclusions and waiting periods.

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Online Quote

Cancer Insurance

  1. Does my policy have an encashment or surrender value?
    "To keep the premiums low, the policy provides risk cover only and does not have any investment components. No encashment or surrender values are therefore applicable."
  2. "If I have a pre-existing condition will the policy cover me?"
    "The policy will not cover you if you were previously diagnosed with cancer, irrespective of the current status of the cancer or the number of years in remission. Any other pre-existing condition is excluded for a period of 12 months from the commencement date of the policy."
  3. What is a pre-existing condition?
    "A pre-existing condition is any disease, illness or condition that was diagnosed or where you were receiving treatment or medication for, or which you could have reasonably known about, when you took out the policy."
  4. Can I add my spouse and my children onto the policy?
    "Your biological or legally adopted children under the age of 21 have cover for R5000 for certain cancer conditions. If you have the Whole of Life plan, then your biological and legally adopted children and your nominated spouse are covered for the funeral benefit. Please refer to your policy document and schedule for the full description of the benefits and for confirmation of who is covered under your policy. If cancer cover or additional funeral cover is required for your spouse, then he/she may apply for a policy of his/her own, as long as he/she has never previously been diagnosed with cancer. Contact us on 0860-00-2156 and we will gladly assist you to obtain the required cover for your spouse."
  5. Is there a waiting period?
    "To maintain affordable premiums, there is a waiting period of 3 months for the cancer benefits. The funeral benefits are payable immediately for accidental death as long as the first premium has been received by us, 6 months for any natural causes other than pre-existing conditions and 12 months for any pre-existing conditions."
  6. Who is covered under my policy?
    "There are 2 cancer plans available. The standard option covers you for all the benefits and includes cover for your biological and legally adopted children up to the age of 21 for specific cancer conditions. The Whole of Life plan covers you for all the benefits, your biological and legally adopted children under the age of 21 for specific cancer conditions and your nominated spouse and children for the funeral benefit. Please refer to your policy document and schedule for the full description of the benefits and for confirmation of who is covered under your policy."
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Contact Details

Address:
10 Muswell Road South
Bryanston 2021

Telephone:
0860-00-2156

e-mail:
info@mslife.co.za

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