Which Insurers Include Cancer Screening Programs as Part of Their Critical Illness Cover
Vitality is the standout UK insurer for cancer screening, offering discounted health MOTs and cancer marker tests through their wellness programme. Other insurers like Legal & General and Aviva provide second opinion services and some health support, but comprehensive screening programs are less common. Since cancer causes ~65% of claims, early detection benefits both you and your insurer.
Benefits of Screening Programs
Early detection
Catch conditions earlier when treatment is often more effective
Peace of mind
Regular health checks provide reassurance about your health status
Wellness incentives
Some insurers reward proactive health management with discounts
Comprehensive checks
Health MOTs covering multiple cancer markers and health indicators
Frequently Asked Questions
Do any insurers offer free cancer screening?
Some insurers, particularly Vitality, offer discounted or subsidised health screening including cancer markers as part of their rewards programme. Others provide access to private screening at preferential rates.
What types of screening are typically available?
Options may include general health MOTs, cancer marker blood tests, skin cancer checks, breast and prostate screening, and bowel cancer screening. Availability varies by provider.
Does screening affect my premium?
Usually not directly. However, with Vitality, participating in health checks can earn rewards and may contribute to premium discounts through their wellness programme.
Is screening the same as diagnosis?
No. Screening identifies potential issues requiring further investigation. A critical illness claim requires formal diagnosis meeting the policy's specific definition.
Related Questions
This page provides general information only and does not constitute personal financial advice. Critical illness insurance products and their terms vary between providers. Always read the policy documentation carefully before purchasing. Your Home Finance is authorised and regulated by the Financial Conduct Authority.