The changes, which are effective from today, mean that the insurer now offers additional cover for low grade prostate cancer and an early form of breast cancer known as ductal carinoma in situ (DCIS). While most other providers only cover mastectomy, the new Scottish Provident definition means that the more common treatment for DCIS, a lumpectomy, is also covered.
As part of the changes Scottish Provident has also introduced five new definitions - two of which are completely new to the critical illness market. These are:
- Intensive care - requiring mechanical ventilation for 10 consecutive days (new to critical illness market)
- Pneumonectomy - removal of a complete lung (new to critical illness market)
- Encephalitis - resulting in permanent symptoms
- Multiple system atrophy - resulting in permanent symptoms
- Systemic lupus erythematosus - with severe complications
“The changes we have announced today mean that customers receive an even better deal, reinforcing their financial safety net and providing them with peace of mind should they become critically ill. This is all part of our commitment to offering the most comprehensive range of critical illness products at cost effective pricing."
