Private health insurance can fund diagnostics, surgery, chemotherapy and radiotherapy for cancers diagnosed after a policy begins. Pre-existing cancers are not covered. Cover levels and enhanced cancer modules differ between insurers, so a broker will compare suitable options for new policyholders aged 25 to 90.
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Cover applies to cancers diagnosed after the policy start date only.
Most policies fund consultations, scans, biopsies and pathology to investigate suspected cancer once symptoms appear after the policy begins. Faster access to specialists can shorten the time between referral and diagnosis.
Cover commonly includes inpatient and day-patient surgery, chemotherapy, radiotherapy and cancer drugs at approved private hospitals. Treatment pathways are determined by clinicians, with insurers funding eligible private care for new diagnoses made during the policy term.
Some insurers offer optional enhanced cancer modules covering newer drugs, biological therapies, end-of-life care and home support. Module availability and limits vary by insurer, so quotes are compared to match cover preferences and budget.