These are non-malignant tumours of the spinal cord or spinal canal which can cause pressure and/or interfere with the function of the spinal cord. Spinal cord tumours can metastasise (spread) from primary (main) cancers elsewhere in the body, e.g. breast, prostate or lung. Primary spinal cord tumours can be benign, e.g. haemangioma (a benign tumour of the blood vessels) or malignant in nature. Due to pressure effects and difficulties in surgical removal given their location, benign tumours do present an extra risk. Initial symptoms can include headaches, vomiting, loss of appetite, changes in personality, seizures and/or problems with balance, vision, speech or hearing. Diagnosis is generally through a MRI or CT scan and surgical treatment is performed where possible.
What information should my client provide?
Your customer should complete the General medical disclosure fast-track questionnaire
Likely acceptance terms
Where there has been complete surgical removal of the tumour, cover will be postponed within three years, although terms may be available on some cases before this time.
Thereafter standard rates to +50% will apply, depending on whether the tumour was treated with radiotherapy.
Specified illness cover, income protection
Where there has been complete surgical removal of the tumour, cover will be postponed within five years, although terms may be available on some cases before this time.
Refer to underwriting for terms thereafter.
Hospital cash cover, accident cover, contribution cover
Cover will be declined.
For a history of malignant spinal cord tumours, please refer to underwriting.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.