CANCER COVER
Cancer kills more people every year than AIDS, Tuberculosis, and Malaria combined.
According to the Cancer Association of South Africa (CANSA), one out of every four South Africans will be challenged with the diagnoses of Cancer of him or herself, or of a family member or a friend.
With the diagnosis of Cancer comes fear and trauma, but also the immense challenge to fight the disease, both mentally and physically. The patient needs to focus on all the positive aspects of the recuperating process.
Cura Administrators Cancer Cover Products are designed to assist you with the unexpected expenses as a result of the inflated costs due to Oncology Treatment.
Gap Cover is underwritten by GENRIC Insurance Company Limited (FSP: 43638).
GENRIC is an authorised Financial Services Provider and licensed non-life insurer
2025 CURA CANCER COVER
R100 000 stated benefit per lifetime per insured.
R210 580 for shortfalls on out-patient oncology treatment per insured per annum.
R3 000 for trauma counselling at a registered counsellor.
2025 CURA CANCER COVER
R100 000 stated benefit per lifetime per insured.
R210 580 for shortfalls on out-patient oncology treatment per insured per annum.
R3 000 combined benefit for both registered psychology and psychiatric treatment by a registered practitioner per insured per annum.
What does Cura Administrators Cancer Cover entail?
- R100 000 stated benefit per lifetime per insured. Must be diagnosed whilst on cover and alive. Excludes any skin cancer.
- R210 580 for shortfalls on out-patient oncology treatment per insured per annum. Biological drugs excluded on this policy.
- R3 000 for trauma counselling at a registered counsellor.
Waiting Periods Applicable:
- 3-month general waiting period.
- 12-month waiting period for pre-existing conditions.
Concessions on the above waiting periods will be considered for group schemes.
Maximum Entry Age:
The maximum entry age is age 64 (as at insured’s last birthday).
Monthly Premium:
| Entry Age | Monthly Premium |
|---|---|
| Age 64 or younger | R255.00 per month |
Premiums are for a single person and are VAT inclusive. Maximum Entry age is 64 (as at insured’s last birthday). Premiums are reviewed and may be adjusted annually.
Terms and conditions apply in terms of exclusions and claim procedures.
CURA CANCER COVER EXCLUSIONS
The Product Provider shall not be liable for costs incurred for hospitalisation, bodily injury, sickness, or related disease directly or indirectly because of or in consequence of:
- Exposure to discharged nuclear weaponry fallout or by ionising radiation or contamination by radioactivity from any nuclear matter or from any nuclear waste from the combustion of nuclear fuel. For this exception, combustion shall include any self-sustaining process of nuclear fission.
- Suicide, attempted suicide, or intentional self-injury.
- Consuming any drug or narcotic unless prescribed by and taken in accordance with the instructions of a registered medical practitioner (other than the insured person).
- Drug Addiction.
- An event directly attributable to the insured person having a blood alcohol concentration exceeding the legal permitted level, or the insured person presenting with alcoholism or an illness resulting from alcohol abuse.
- Benign or malignant skin tumour containing dark pigment or a tumour of high malignancy that starts in melanocytes of normal skin or moles and metastasizes rapidly and known as malignant melanoma.
- Any pre-existing condition, meaning any form of cancer previously diagnose prior to date of inception of policy.
- Cost of Biological Cancer Drugs (as defined).
- Any procedure not covered or declined by the medical scheme.
- No benefits shall be payable for an insured event for which the insured person received treatment or advice 12 months prior to becoming an insured person. This exclusion applies to the first 12 months of cover only.
- Investigations, treatment or surgery for artificial insemination or hormone treatment for infertility.
- No benefits shall be payable in the event of fraudulent claim submission.
The table of benefits do not apply to any territory outside of the borders of the Republic of South Africa, Botswana, Lesotho, Swaziland, Namibia, and Mozambique.