Does Critical Illness Cover Basal Cell Carcinoma?

Shawn Plummer

CEO, The Annuity Expert

Does Critical Illness Cover Basal Cell Carcinoma?

Critical illness cover generally does not include basal cell carcinoma. Basal cell carcinoma, along with squamous cell carcinoma and other skin malignancies except melanoma, are often excluded from critical illness insurance policies. This exclusion is due to the relatively high prevalence and lower severity of these conditions compared to other forms of cancer. However, policies can vary, so it’s important to review the specific terms and conditions of your policy.

Critical Illness Coverage: Understanding Exclusions

Coverage Overview: Critical illness insurance typically covers life-threatening conditions such as heart attacks, strokes, and certain types of cancer.

Exclusions: Common exclusions include less severe forms of cancer like basal cell carcinoma, which is a type of non-melanoma skin cancer.

Reason for Exclusion: Basal cell carcinoma is usually less aggressive and more treatable, leading insurers to exclude it from coverage.

Check Your Policy: Always review your specific policy’s terms for detailed information about covered conditions and exclusions.

Consult an Expert: If you are unsure about your coverage, consult with an insurance expert or your policy provider.


Critical illness cover typically excludes basal cell carcinoma due to its lower severity and treatability. It’s crucial to understand the specifics of your policy to know what is covered. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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