Cancer: Skin Malignant

Malignant change in the skin becomes more common with increasing age. Exposure to sunlight is an important predisposing factor in fair-skinned people.

Likely Underwriting Decision

Malignant melanoma in-situ: Preferred possible

Malignant melanoma: Many are offered at $5-7/1000 x 3 years immediately following excision. Deeper lesions must be declined for a minimum of 2-5 years following treatment

Standard Plus is possible 10 years after qualifying for Standard rates

Factors Affecting the Decision

  • Date of diagnosis
  • Type of cancer/tumor
  • Depth and thickness of tumor
  • Type of treatment
  • Date treatment completed
  • Any recurrence or spread
  • Ongoing risk factors like multiple dysplastic nevi and a propensity to develop other skin cancers
  • Any serious complications from treatment

Fast Track the App


Fast Track:

  • Pathology reports
  • Evidence of regular dermatology follow-up
  • Hospital treatment reports