We are giving more cover for modern day illnesses and treatment. Breast cancer is now the most common cancer for women in the UK and prostate cancer is the most common cancer for men in the UK¹.

More severe forms of these cancers have been covered by Scottish Provident’s main cancer definitions for many years. However to meet the needs of your clients in times of change and medical advances we have widened our cover to include less severe forms of cancer.

We have added 2 new definitions that provide cover for:

Ductal carcinoma in situ (DCIS), an early form of breast cancer, requiring lumpectomy/partial mastectomy/mastectomy/ segmentectomy

Low grade prostate cancer

These are in addition to the main critical illness definitions and are automatically added at no extra cost. Cover is for 20% of the sum assured for the main critical illness benefit up to a maximum of £15,000.

Early detection is key

Due to a combination of NHS screening programmes and heightened general awareness leading to self-checks, cancer is being detected earlier and with early intervention is less likely to go on to develop into a more severe form of the disease.

Catching cancer in its early stages is key to any successful treatment. On a positive note the chances of survival for many are improving, indeed many can return to normal lives after recovering from treatment. While cancer, no matter how ‘early stage or low grade’, is frightening our new additional cover is designed to payout on these prevalent, yet less serious types of cancer. This will bring your clients peace of mind that the additional cover will provide more protection, and an earlier payout. It will also continue to provide the main critical illness cover should they be unfortunate enough to be diagnosed with a critical illness in later years.

Make sure that your clients are protected allowing them to continue their lives without having to worry about their financial position. To find out more about the latest cancer diagnosis and survival rates we have developed some at-a-glance information which can help you discuss the need and value of protection with your clients.

Definition:

The undergoing of a mastectomy, partial mastectomy, segmentectomy or lumpectomy operation on the advice of a Consultant Oncologist following a histologically confirmed diagnosis of ductal carcinoma in situ (DCIS) of the breast.

Specifically excluded are:

mastectomy, partial mastectomy, segmentectomy or lumpectomy operations for reasons other than DCIS, for example, prophylactic mastectomy or lobular carcinoma in situ (LCIS).

Scottish Provident – giving back even more

To help your clients consider the importance of financial protection the information and case study below should provide you with some ideas to discuss with your clients when reviewing their protection needs.

Scottish Provident continues to develop protection cover which is relevant to your clients’ needs now and in the future. We have added Additional Covered Conditions to Self Assurance:

Ductal carcinoma in situ

Low grade prostate cancer

A claim paid for these illnesses will not affect the sum assured under the main critical illness benefit.

Scottish Provident covers the illnesses your clients worry about. Our claims experience tells us that cancer is our top reason for a claim. Recommending a critical illness plan from Scottish Provident to your clients now ensures peace of mind in the future.

Scottish Provident – giving back even more

To help your clients consider the importance of financial protection the information and case study below should provide you with some ideas to discuss with your clients when reviewing their protection needs.

Scottish Provident continues to develop protection cover which is relevant to your clients’ needs now and in the future. We have added Additional Covered Conditions to Self Assurance:

Ductal carcinoma in situ

Low grade prostate cancer

A claim paid for these illnesses will not affect the sum assured under the main critical illness benefit.

Scottish Provident covers the illnesses your clients worry about. Our claims experience tells us that cancer is our top reason for a claim. Recommending a critical illness plan from Scottish Provident to your clients now ensures peace of mind in the future.

5 completely new definitions have been added to our critical illness propositions, 2 of which are new to the critical illness market:

Encephalitis - resulting in permanent symptoms

Intensive care - requiring mechanical ventilation for 10 consecutive days*

Multiple system atrophy - resulting in permanent symptoms

Pneumonectomy* - removal of a complete lung*

Systemic lupus erythematosus - with severe complications

*Intensive care and pneumonectomy are completely new critical illness definitions for the critical illness market.

Definition:

A definite diagnosis of encephalitis by a Consultant Neurologist resulting in permanent neurological deficit and persisting clinical symptoms.

For the above definition the following are not covered:

myalgic encephalomyelitis and chronic fatigue syndrome.

Definition:

Any sickness or injury resulting in the life assured requiring continuous mechanical ventilation by means of tracheal intubation for 10 consecutive days (24 hours per day) or more in an intensive care unit in a UK hospital.

For the above definition the following is not covered:

sickness or injury as a result of drug or alcohol intake or other self-inflicted means;

children under the age of 90 days.

Definition:

A definite diagnosis of multiple system atrophy confirmed by a Consultant Neurologist

There must be evidence of disease progression and permanent clinical impairment of:

motor function with associated rigidity of movement, or

the ability to coordinate muscle movement, or

bladder control and postural hypotension.

Definition:

The undergoing of surgery on the advice of an appropriate medical specialist to remove an entire lung for disease or traumatic injury suffered by the life assured.

For the above definition the following are not covered:

removal of a lobe of the lungs (lobectomy);

lung resection or incision.

Definition:

A definite diagnosis of systemic lupus erythematosus by a Consultant Rheumatologist where either of the following are present:

i) Severe kidney involvement with systemic lupus erythematosus as evidenced by:

permanent impaired renal function with a glomerular filtration rate below 30/ml/min/1.73m², and

abnormal urinalysis showing proteinuria or haematuria.

In addition to the above criteria, the disease must have been unresponsive to disease modifying drugs for a continuous period of at least 12 months.

or

ii) Severe central nervous system involvement with systemic lupus erythematosus as evidenced by permanent deficit of the neurological system as evidenced by at least any one of the following symptoms, which must be present on clinical examination and expected to last for the remainder of the life of the life assured:

paralysis

dysarthria (difficulty with speech)

aphasia (inability to speak)

dysphagia (difficulty in swallowing)

difficulty in walking

lack of coordination

severe dementia where the insured needs constant supervision, or

permanent coma.

For the purposes of this definition seizures, headaches, fatigue, lethargy or any symptoms of psychological or psychiatric origin will not be accepted as evidence of permanent deficit of the neurological system.

2 more of our existing definitions are ABI+ meaning we now have 9 definitions that exceed the industry standard:

Stroke

Third degree burns

At Scottish Provident we are committed to providing more definitions beyond ABI standard demonstrating that we are prepared to push the boundaries. By going above and beyond the set industry standards we can offer your clients added cover at no additional expense.

We select the definitions that we offer at ABI+ carefully to ensure we give your clients cover where it is needed most and provide as much value for them as possible. Currently 5 of our ABI+ definitions, including stroke, are within Scottish Provident’s top ten causes for critical illness claim*.

* Scottish Provident critical illness claims report 2010

Definition:

Death of brain tissue due to inadequate blood supply or haemorrhage within the skull resulting in permanent neurological deficit with persisting clinical symptoms.

For the above definition, the following is not covered:

Transient ischaemic attack.

Definition:

Burns that involve damage or destruction of the skin to its full depth through to the underlying tissue and covering at least 20% of the body’s surface area or 50% loss of surface area of the face which for the purpose of this definition includes the forehead and ears.