Applying for Integrated Shield Plan after recovering from minor cancer? (Thyroid) Was told to hold off applying until after 3 years and try again. What are the chances insurers will be ok. Late 20s.

Cancer has this marker which if you do not relapse after 5 years, you are considered as a new case. So after 5 years, you can buy, but your loading may be very very high. If you were a stage 2 thyroid, maybe not so bad, stage 3 your loading would be high and might not be worth it anymore.

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Insurance is friend to the clean fella but once you have something, they try to keep you out. Your only bet is any government insurance because they will definitely take you but again with a certain loading.

Hi there,

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My colleague managed to get the client to buy in, however there is exclusion for thyroid. I thought that it was fair enough as other areas are still covered.

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If you dont mind try, I could connect you up to try the application.

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