Health
Call for “forget” cancer when seeking financial services
People with cancer are faced with being denied insurance, mortgage protection covers and other financial products because of their medical history. Irish Cancer Society (ICS).
Past cancer diagnoses, even if they were diagnosed many years ago as a child, can cause difficulties for some people trying to access financial products and services, charities say. Says.
According to a study conducted by Core, nearly a quarter of people with cancer or affected by their partners were diagnosed at some point in their lives, so they quoted various financial products and services. It states that it was not available. ICS research. Almost half found it difficult for insurance companies to deal with.
People with cancer were more than three times more likely to have difficulty buying insurance than the average person, and more than twice as likely to experience problems getting a mortgage.
They were also unlikely to feel that the insurance was fairly granted. IrelandOr being treated fairly by the insurance company compared to the general public.
Previous cancer diagnoses were also considered an obstacle to applying for credit from financial institutions.
“fine”
In response to the findings, society called for the implementation of the “right to be forgotten” after cancer. France, Portugal He noted that the Benelux countries have already introduced such measures.
This means that people who have completed cancer treatment do not have to declare a diagnosis of cancer when they seek access to financial products and services five years after they recover.
“Our study emphasizes that cancer patients have been experiencing for decades. All fines associated with surviving cancer are all too common,” said the ICS director of advocacy. I am saying. Rachel Morrow..
Cork school teacher Kate O’Callahan will get his first home mortgage in 2020 after being initially denied compulsory mortgage protection coverage due to a previous diagnosis of Hodgkin lymphoma. Said that he had a hard time.
“In principle everything was there, but I couldn’t get a mortgage protection, and you can’t get a mortgage without it. It was a very stressful process, and I Eventually got a mortgage because I happened to have both salary protection and death benefits when I was working in the public sector, “she said.
“If I didn’t have those things, I wouldn’t know what happened.”
Punished for diagnosis
According to Morrogh, people with cancer feel punished by past diagnoses and remain depressed in the process.
“This applies not only to adult cancer survivors, but also to childhood cancer survivors. They continue their lives and do the usual things like getting or buying a mortgage. When you try, you can find that your illness often persists in adulthood. Travel or life insurance.
“As more people survive cancer in Ireland, the regulatory environment needs to catch up with this reality.”
In response, Insurance Ireland, the leading insurer, said:
“Cover may be denied if the applicant poses a risk that exceeds the insurance company’s standards.
“But for cancer survivors looking for a mortgage here in Ireland, there is one important difference from France, Portugal and the Benelux countries. Section 126 of the Consumer Credit Act 1995 provides mortgage life insurance. If it turns out to be difficult to obtain, or because it is an unreasonable expense, you will be exempt from that requirement. “
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