Insurances Living with CML

Important: the information in the following section is based on Dutch insurances. Therefore, in other countries this information could not be applicable.

Insurances

If you have a chronic illness, taking out a mortgage or insurance is not always easy. Below we discuss the most important insurances when taking out a mortgage, (temporarily) being unable to work, healthcare costs insurance and costs after death.

 

If you need help taking out an insurance policy, ask an intermediary for advice. There are also various agencies (intermediaries) that specialize in insurances for people with a chronic illness. They can advise and assist you in making your choice.

Mortgage insurance

When you want to buy a house, you usually have to take out a mortgage. An important point when buying a house is taking out a life insurance or term life insurance (ORV).

If you have or have had leukemia, it is often difficult to take out these insurances. You could face higher premiums, and in some cases, the insurer will not even accept you as a customer. However, there are ways to take out an insurance at a reasonable premium. Make sure you are well-informed about the financial options relevant to your situation.

Our advice is to first look at what options you have to take out a mortgage and possible term life insurance. Don’t go house hunting before going through these steps. It is good to realize that a term life insurance is the most difficult thing to arrange; you should get that arranged before you do anything else. For more information and tips, visit www.kankerenverzekeren.nl

 

What is important when taking out a term life insurance?

When applying for a term life insurance, you need to complete a health form. Based on this, the insurer assesses whether they accept you and at what premium. It is therefore very important to have positive medical information about your prognosis, prepared by your healthcare provider/oncologist. After all, insurance is risk assessment, and everything that shows that you are less of a risk, or no risk, helps your case. Ask for a statement and send it along with the application. It is important, however, that you give your healthcare provider written permission to answer the insurer's questions. Only give permission for the medical information about CML. Do not give full access to your medical records; it is not necessary and can even negatively influence your situation.

It is important not to be rejected, so make sure (you can request this) that you are the first to find out the advice of the medical examination and learn whether the medical advisor will give a positive or negative advice to the insurer; in case of negative advice, you can withdraw your application, and you will not be officially rejected. This is important for a subsequent application, in which case you do not have to mention that you were previously rejected.