Critical illness definitions can appear complex – particularly when it comes to cancer – but advisers may underestimate just how broad Zurich’s cover is.
According to the ABI, cancer remains the leading cause of claims. Zurich’s definition of “cancer – excluding less advanced cases” covers malignant tumours with uncontrolled growth and tissue invasion, excluding only very early-stage or low-risk cases such as in-situ cancers and low-grade prostate cancer.
Skin cancer wording can appear restrictive, but most malignant melanomas and advanced non-melanoma cases qualify. Early-stage cancers confined to the top skin layer are excluded because they are easily treated and rarely life-threatening.
The practical takeaway for advisers is clear: don’t judge cover by the complexity of the wording.
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