Britons need financial cover in the sun: PruP

In a client newsletter from the specialist protection provider, it warned that 113,000 people in the UK were diagnosed with skin cancer in 2010, with more than 90 per cent of these being non-melanoma cases.

According to the client newsletter, advisers and consumers need to check carefully the details of some of the cover available on the market, as many insurers do not pay out to someone diagnosed with non-melanoma skin cancer.

Non-melanoma means that the cancer is localised, and does not tend to spread to other parts of the body, so more traditional critical illness policies have not considered it to be particularly critical.

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The newsletter added that not all insurers will cover squamous- and basal-cell carcinomas of a certain severity. As such, people who have taken out policies in the past may find they are not covered against certain types of skin cancer.

Adviser view

Tom Conner, director of London-based Drewberry Insurance, said: “It is true that other insurers would not cover non-melanoma skin cancer. However, the fact that PruProtect offers to pay out just 5 per cent of the sum assured for this condition would indicate that it does not consider it to be very critical either. I am not actually sure what the case would be for melanoma skin cancer, such as cancer that is prone to spread, but if it did spread the story would be very different in terms of insurers paying out.”