Continuing from the previous blog on breast cancer claims, we are going to get a bit technical and dive much deeper into what today's policy wordings say about cancer definitions.  

We did something similar on heart attack definitions a couple of months ago, though this is significantly longer. I am going do something I have not seen in a blog, add an appendix!

The big one for you to appreciate; typically trauma claims for cancer are split about 60/40 in favour of the ladies. One reinsurer experience has been 85% of female trauma claims have been for cancer conditions. So this is a significant area for claims for women.

It is especially important to have a trauma policy with a good cancer definition. For the blokes, heart conditions and cancer happen at a similar rate. For the boy's good heart and cancer definitions are important.

Bowel, breast, lung, melanoma and prostate are the cancers we seem to hear a lot about. Brain tumours, pancreatic and liver cancer, have a reasonable incidence rate too.

The highlights, or executive summary

• Partners Life presently has the best cancer benefit in the New Zealand market with 100 points
• Everyone except Partners Life gets rated down on melanoma by 4 points, and Westpac enjoys the toughest melanoma claim definition and gets rated down 5 points.
• ASB/Sovereign lose an additional 2 points for not having an alternate qualification for a melanoma claim due to ulceration.
• Asteron Life, BNZ and Westpac lose 5 points for not paying a partial claim with a melanoma not meeting a full claim definition.
• ANZ and BNZ products exclude cancers relating to HIV/AIDS, which in today's medical environment is not the issue it was expected to be and demonstrates why going to a single product provider is a problem.
• Fidelity and Westpac lose 2 points for not paying a claim if the whole organ is removed, outside breast and prostate. With Kidney cancer caught early enough, the treatment is removing the kidney. No chemo or radiotherapy is required. These two providers would not pay a claim in this situation.
• About half of the providers lose 4 points for not paying a partial claim with Chronic Lymphocytic Leukaemia Rai 0.
• BNZ and MAS round out the lowlights with a loss of 2 points for excluding tumours treated by endoscopy procedures alone.

Like all things, this is not to be taken in isolation and one definition is not going to make the best product decision for you either.

That said selecting a policy that is clearly tougher in the breast and melanoma areas is not necessarily a smart idea either. Given our incidence rate of these two cancers in New Zealand.

A point that is not in the definitions below is MAS and Westpac both have criteria in their trauma policy wordings that allow them to change definitions on the policy for the worse. 

They have the ability to remove definitions and make definitions harder to pay claims. Which could be a massive issue for you if you have a condition, and they pull the rug.

Not that I see this as a significant issue as they both rate at the lower end of the definition quality scale and are more likely to improve it to remain competitive and retain their policy holders.

All other providers can improve definitions, but they cannot take benefits away or make claiming a benefit harder than the policy you already have. This is the preferred way to go.

So what do you do?

You call an adviser, what you are looking for a an overall solution. Yes cancer may be a big concern that does not mean you should rule out the possibility of a stroke or heart condition.

Given your set of very personal circumstances and the underwriting approach from the insurer, the best cancer definition product may not be the most suitable for you.

Say what?

Yes, that was right. If by going to Partners Life and while you are fit and healthy, you cop a premium loading of 50-100%, because you mother and sister have both had breast cancer. This may not be seen as valuable to you as another providers policy where you are assessed on a standard premium rate.

It is all about balance; you get the best definition at the cheapest premium by being fit and healthy and not having increased risk factors.

The other providers may not be quite so generous with their definition, but they do not increase the premium with loadings as quickly and potentially making holding cover unaffordable in the future.

Let us be clear I am not poking the bone at Partners Life, we have many clients with their policies with Partners Life. This is about how the different companies approach risk.

The breast cancer example is a great example of how this works in the market. Also keeping in mind, age and stage. We have also seen a client cop a loading with Partners Life, and this has still been cheaper than the competitor's standard premiums.

If you have concerns about your current cover, i.e. it was taken before 2011, or you are with a provider with a poor definition, give us a call. It costs you nothing for us to run the ruler over your situation to ensure you have the best possible chance of a claim for the premium dollar you are spending.

At the end of the day you have insurance for two reasons. To provide you piece of mind and to front up with a whole lot of cash when you need it to.

That is where having an adviser involved gives you both
The best chance of having the right cover for the claim you need paying, and you have someone who is going to work for you to get it paid when you need it.

Call us! Did I say call us?

Let us get into it. It is heavy reading. And a very long post. I've laid it out in alphabetic order, letting you tackle it in bites, or just scrolling through to the providers you want to check out.
Appendix 1: The definitions of Cancer in today’s trauma policy wordings.

The following is laid out in the following way

Company then their Rating out of 100
Reference point in the policy document and version of the policy
Detail of the wording

Definitions sourced from Quality Product Research and were correct at time of publishing.

AIA 91.50

Personal Cover, Trauma Cover, 10/2015, Page 22-23, Section D(4)
CRITICAL CANCER Critical Cancer means the presence of one (1) or more malignant tumours, characterised by the uncontrolled growth and spread of malignant cells and the invasion of tissue, provided the Diagnosis is unequivocal as confirmed by histopathology.

This includes leukaemia, lymphomas, Hodgkin’s disease, malignant bone marrow disorders but excludes the following tumours:

Malignant Melanoma which are less than 1.5 mm maximum thickness as determined by histological examination based on Breslow thickness unless the melanoma is graded higher than Clark Level 2 depth of invasion or has evidence of ulceration as determined by histological examination; or

All other types of skin cancers unless there is evidence of metastases; or

A growth histologically described as Carcinoma-in-Situ (including cervical dysplasia CIN-1, CIN-2 and CIN-3) or which are histologically described as pre-malignant or non- invasive unless they result in Radical Surgery.

We will allow cover for carcinoma-in-situ of the breast where it results in the entire removal of the breast, or the Life Assured has other surgery and adjuvant therapy (such as radiotherapy and/or chemotherapy).

This procedure must be the appropriate and necessary treatment as recommended by an appropriate Medical Practitioner and undertaken specifically to arrest the spread of malignancy.

Chemotherapy means the use of drugs specifically designed to kill or destroy cancer cells.
Adjuvant endocrine manipulation therapy, hormonal manipulation therapy and non-endocrine adjuvant therapy are excluded: or

All tumours of the prostate histologically classified as having a Gleason score less than 6 or less than TMN classification T2.

We will allow cover for Prostate tumour classified as TNM classification T1 (all categories) or of an equivalent classification if the tumour is confirmed by histological examination and requires the Life Assured to undertake major interventionist therapy including radiotherapy, brachytherapy, chemotherapy, biological response modifiers or any other major treatment, or if the tumour is completely untreatable.

AMP 95.50

AMP Lifetrack, Trauma Cover, 08/2015, Page 66, Section 21.13
Chronic Lymphocytic Leukaemia We will pay a one off partial benefit of 10% of the Trauma Cover Basic Sum Insured, up to a maximum of $25,000, if the Person Insured is diagnosed with Chronic Lymphocytic Leukaemia which is histologically described as Rai Stage 0.

Cancer We will pay if the Person Insured suffers a malignant tumour which is confirmed by pathology tests and results in the spread of malignant cells and the invasion of normal tissue.

We will also cover sarcoma, Hodgkin’s lymphoma, non-Hodgkin’s lymphoma, malignant bone marrow disorders and leukaemia.

We will not pay under this particular Major Trauma condition for any of the following:
• Primary cancer of the breast, prostate, skin or bowel (these are covered in a separate definition); or
• Tumours which are histologically described as pre-malignant or showing malignant changes of carcinoma-in-situ.
• Lymphocytic leukaemia less than Rai Stage 1. However, if the tumour requires major surgery for its removal, then we would consider a claim application under Early Stage Cancer – Major Surgery.

AMP RPP Trauma Cover, NZPD0289-08/2015, Page 5, Section 7
Cancer We will pay if the Life Insured suffers the occurrence of an invasive malignant tumour.

The following are included:
- Prostate tumour classified as T1 (all categories) under the TNM classification system, or a Gleason Score of 6 or more, or of an equivalent classification if the tumour is confirmed by histological examination and requires the person insured to undertake major interventionist therapy including radiotherapy, brachytherapy, chemotherapy, biological response modifiers or any other major treatment, or if the tumour is completely untreatable.
- Carcinoma in situ of the testicle, where one or both testes are removed by radical orchidectomy.
- Tumours classified as carcinoma in situ of the breast or other organ requiring Radical Surgery.
- Leukaemia, lymphoma, Hodgkin’s disease and malignant melanomas of at least Clark Level 3 or 1.5mm Breslow thickness or greater or where the melanoma is showing histological evidence of ulceration, unless specified below.

The following are excluded:
- Tumours classified as carcinoma in situ unless a tumour specified above requires Radical Surgery.
- Prostate tumours under the TNM classification system of a lower classification than those specified above;
- Lymphocytic leukaemia less than Rai Stage 1;
- Malignant melanomas and other skin cancers other than those specified above; and
- Tumours that are a recurrence or metastases of a tumour that first occurred within the 90 day qualifying period.
specified above; and
- Tumours that are a recurrence or metastases of a tumour that first occurred within the 90 day qualifying period.

Carcinoma in situ means focal new growth of malignant cells that have not yet invaded normal tissues and have been diagnosed by biopsy. which:

i. is intended to arrest the spread of the malignancy,
ii. involves the removal of the entire breast or organ affected by the malignancy, and
iii. is considered by a Medical Practitioner to be medically necessary to halt the spread of the malignancy*.

* Prophylactic surgery where there is a family history of breast cancer is specifically excluded.

Chronic Lymphocytic Leukaemia We will pay a one off partial payment of 10% of the Trauma Insurance up to a maximum of $25,000 if the Life Insured is diagnosed with Chronic Lymphocytic Leukaemia which is histologically described as Rai Stage 0.

Malignant Melanoma Diagnosis We will pay a one off partial benefit of 10% of the Trauma Insurance up to a maximum of $25,000 if the Life Insured is diagnosed for the first time with malignant melanoma that is less than 1.5mm depth of invasion using the Breslow method and less than Clark Level 3.

ANZ 89.50

ANZ Life & Living Insurance, 13/09/2015, Page 8
Cancer We will pay on first diagnosis of one or more malignant tumours.

The diagnosis must be confirmed by histopathological examination.

Malignant tumours are characterised by the uncontrolled growth and spread of malignant cells and the invasion and destruction of normal tissue.

Malignant tumours include leukaemia, lymphoma, Hodgkin’s disease and other malignant bone marrow disorders. Malignant melanomas are covered provided there is:

• evidence of ulceration as determined by histological examination; or
• at least Clark Level 3 depth of invasion; or
• thickness measuring at least 1.5mm using the Breslow method as determined by histological examination. The following tumours are excluded from the Critical Illness benefit:
• chronic lymphocytic leukaemia, Binet Stages A & B or Rai stages 0, 1 and 2
• carcinoma in situ (including cervical dysplasia CIN-1, CIN-2 and CIN-3) or tumours that are histologically described as pre-malignant or non-invasive, or that are classified as FIGO stage 0, or that have a TNM classification of Tis
• all other types of skin cancer, unless there is evidence of metastases
• Kaposi’s sarcoma and other tumours associated with HIV infection, AIDS or AIDS-related complex
• prostatic cancers that histological tests show have a TNM Classification of T1 or Gleason score of less than 6 (or are of another equivalent or lesser histological classification)
• tumours treated by endoscopic procedures alone
• tumours that first occurred within 90 days of the policy start date, or tumours that are a recurrence or metastases of a tumour that first occurred within 90 days of the policy start date.

ASB 93.50

902 ASB LSPP-LAC version 6, 10/2015, Page, Section 15
Cancer The life assured has suffered or undergone one of the following conditions:

Carcinoma-in-situ A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissues. ‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane. This benefit only covers carcinoma-in-situ of the following sites:
> Breast
> Cervix
> Vagina
> Vulva

The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Sovereign policies.

Carcinoma-in-situ radical surgery As a result of a carcinoma-in-situ, an operation to arrest spread of the malignancy is performed which involves the removal of the entire organ (which includes: breast, cervix, ovary, fallopian tube, vagina, vulva, prostate, colon/rectal, bladder) affected that is considered medically necessary by an appropriate specialist.

The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0.

Malignant tumours The presence of one or more malignant tumours, characterised by uncontrolled growth and spread of malignant cells, with the invasion and destruction of normal tissue for which major interventionist treatment or surgery is considered medically necessary by an appropriate specialist.

The following tumours are excluded:
> Tumours classified as carcinoma-in-situ (including intra-epithelial neoplasia).
> Prostate tumours with a Gleason score of less than 6. (If the Gleason score is unavailable, we will use the TNM classification and tumours classified as T1 or its equivalent will be excluded).
> All malignant melanomas unless they:
- Are at least 1.5mm thickness as measured using the Breslow histological classification; or
- - Are at least Clark level 3; or
- - Show evidence of ulceration as determined by histological examination.
- > Skin cancers unless they have spread to other organs
- > Chronic lymphocytic leukaemia less than RAI Stage 1.

Prostate Cancer As a result of a prostate tumour, the entire prostate is removed to arrest spread of the malignancy and this is considered medically necessary by an appropriate specialist.

The benefit also covers malignant tumour of the prostate histologically described as T1 or Gleason score of 5 or less for which treatment is considered medically necessary, and undertaken by an appropriate specialist to arrest the spread of malignancy including but not limited to chemotherapy, radiotherapy, or surgery.

Asteron Life 86.50

Personal Insurance, Trauma Recovery Cover, RP347 (08/15), Page 61, Section 13
Cancer means the presence of one or more invasive malignant tumours, including melanomas, leukaemia, malignant bone marrow disorders, Hodgkin’s lymphoma and malignant lymphomas, characterised by:

• the uncontrolled growth and spread of malignant cells; and
• the invasion and destruction of normal tissue, and must also: • require treatment (whether undertaken or not) that includes surgery, radiotherapy, chemotherapy, biological response modifiers or any other major treatment to arrest the spread of the malignancy and the treatment is the appropriate and necessary treatment; or
• be totally incurable.

Prostate cancer is only covered if it:
• has a TNM classification of at least T2, or
• has a Gleason score of 6 or more, or
• requires treatment, as stated above, to arrest the spread of malignancy; and this treatment has been undertaken. The following cancers are excluded:
• Chronic Lymphocytic Leukaemia which is histologically described as Rai Stage 0;
• melanomas which are less than 1.5mm depth of invasion using the Breslow method, and less than Clark Level 3, and have no evidence of ulceration as determined by histological examination;
• all other types of skin cancers unless there is evidence of metastases;
• tumours which are histologically described as pre-malignant or show the malignant changes of ‘carcinoma in situ’ or Cervical Intraepithelial Neoplasia (CIN), unless resulting in medically necessary radical surgery which involves the removal of the entire affected organ (which includes breast, cervix, uterus, ovary, fallopian tube, vagina, prostate, colon/rectum, bladder). The ‘carcinoma in situ’ or Cervical Intraepithelial Neoplasia (CIN) must be positively diagnosed by biopsy and be classified as Tis according to the TNM staging method or FIGO Stage 0.

BNZ 86.50

Life Care, 28/2/2015, Section 4.2, Page 6
Cancer – The manifestation of a malignant tumour (a tumour which is not encapsulated and has properties to infiltrate and cause metastases*) characterised by the uncontrolled growth and the spread of malignant cells and the invasion of tissue.

The diagnosis must be supported by histological evidence of malignancy. Types of Cancer covered:
- All invasive malignant cancers other than the cancers listed under the ‘Types of Cancer excluded’ in this section,
- Leukaemia,
- Hodgkin’s disease (other than stage one),
- Invasive malignant melanoma of a skin invasion of 1.5 mm and over.

Types of Cancer excluded:
- Pre malignant lesions,
- Carcinoma in situ (Cancer that involves only the cells in which it began and has not spread to other tissues),
- Kaposi’s sarcoma,
- Tumours in the presence of any Human Immunodeficiency Virus (HIV).

* Transmission and establishment of detectable cancer due to the spread of cancerous cells from one original site to one or more sites elsewhere in the body.

Cigna Standalone 80.50

Trauma Insurance, 12/05/1212/03, Page 7, Section 4
Cancer If you are diagnosed with Cancer as defined here, 90 or more days after the Cover Start Date and the Survival Period is reached, Cigna will pay you either:

1. the full current Sum Insured and your Policy will end; or
2. a partial payment of 10% of the current Sum Insured for specific early stage cancers and your Policy will continue with the balance of the Sum Insured.

If your Cancer progresses and meets the conditions defined then the remainder of the Sum Insured will be paid.

1: FULL CURRENT SUM INSURED Cancer is characterised by the uncontrolled growth and spread of malignant cells and the invasion and destruction of tissue for which major interventional treatment or surgery (excluding endoscopic procedures alone) is considered medically necessary. The following conditions are specifically excluded under this section of the Policy:
• all cancers which are histologically described as premalignant, non-invasive, carcinoma in situ except as otherwise specifically detailed in this section of the Policy;
• malignant melanomas of less than 1.5 mm maximum thickness as determined by histological examination using the Breslow method; • all other skin cancers unless there is evidence of metastases; • papillary micro-carcinoma of the bladder;
• chronic lymphocytic leukaemia less than Rai Stage 3;
• cancers associated with AIDS or HIV, unless they are the result of Medically or Occupationally Acquired HIV.

Carcinoma in situ of the breast is covered under this section of the Policy where it leads to the removal of the breast by a mastectomy. The procedure must be:

• performed as a direct result of the carcinoma in situ; and • specifically to arrest the spread of malignancy; and
• medically considered the necessary and appropriate treatment.

2: PARTIAL PAYMENT If you are diagnosed with Carcinoma in situ of the breast, cervix,prostate or thyroid, Cigna will pay you a one-off payment of 10% of the current Sum Insured for each condition and your Policy will continue with the balance of the Sum Insured.

- Carcinoma in situ of the breast means localised, pre-invasive Stage 0 cancer of the breast which is classified as TisN0M0 using the TNM classification.
- Carcinoma in situ of the cervix means localised, pre-invasive CIN-3 grade cancer of the cervix uteri which is confirmed by biopsy and classified as a FIGO Stage 0 or TNM stage TisN0M0. Tumours classified as CIN-1 or CIN-2 are specifically excluded. - Carcinoma in situ of the prostate means localised, preinvasive prostatic tumours confirmed by biopsy and classified TNM stage T1, all categories, and which have a Gleason score of 6 or less. - Carcinoma in situ of the thyroid means localised, pre-invasive cancer of the thyroid classified as TNM stage 0.

Cigna Accelerated 94.50

Early Stage Cancer means:
• Carcinoma in Situ
• Early Stage Chronic Lymphocytic Leukaemia
• Early Stage Prostate Cancer. Papillary micro-carcinoma, non-invasive papillary carcinoma and flat, non-invasive carcinoma in situ of the bladder are not covered under this Policy.

Early Stage Chronic Lymphocytic Leukaemia means the presence of chronic lymphocytic leukaemia diagnosed as Rai stage O, which is defined to be in the blood and bone marrow only.

Early Stage Prostate Cancer means prostate cancers which are histologically described as TNM classification T1 or a Gleason score of 5 or less.

Cancer means the uncontrolled growth and spread of malignant cells and the invasion and destruction of tissue for which major interventionist therapy including surgery, radiotherapy, chemotherapy, biological response modifiers or any other major treatment is considered medically necessary or the tumour is sufficiently advanced such that major interventionist therapy is no longer recommended.

The following cancers are specifically excluded:
• all cancers which are histologically described as premalignant or Carcinoma in Situ or cervical intraepithelial neoplasia, unless it results directly in the removal of the entire organ. The procedure must be performed specifically to arrest the spread of malignancy and be medically considered to be the necessary and appropriate treatment.
• all skin cancers unless:
- there is evidence of metastasis or
- the tumour is a malignant melanoma of Clark Level 3 and above or - the tumour is a malignant melanoma with invasion greater than 1.5mm maximum thickness as determined by histological examination using the Breslow method or
- the tumour is a malignant melanoma showing signs of ulceration as determined by histological examination.
• Prostate cancers diagnosed as TNM classification T1 with a Gleason score of 5 or less, unless major interventionist therapy (including but not limited to surgery, radiotherapy, brachytherapy or chemotherapy) is performed.
• Chronic lymphocytic leukaemia less than Rai Stage 1.

Carcinoma in Situ means a carcinoma in situ characterised by a focal autonomous new growth of carcinomatous cells, which has not yet resulted in the invasion of normal tissues. ‘Invasion’ means an infiltration and/or active destruction of normal tissues beyond the basement membrane. The tumour must be confirmed by a tissue biopsy and classified as Tis according to the TNM staging method or FIGO stage O.

Carcinoma in situ of the cervix uteri of Cervical Intraepithelial Neoplasia (CIN) classifications CIN1 and CIN2 are not covered.

The Co-Operative Bank 82.50

Life Plus, Trauma Cover, A1 IS 125/08/13, page 11
i. Cancer Means the presence of one or more malignant tumours as diagnosed by a Medical Practitioner approved by Us. The malignant tumour is to be characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of the normal tissue. The following tumours are excluded: • Tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia CIN-1, CIN-2, and CIN-3) or which are histologically described as pre-malignant*; • All skin cancers, unless there is evidence of metastases or the tumour is a malignant melanoma of at least Clark level 3, or greater than 1.5mm maximum thickness as determined by histological examination using the Breslow method; • Prostatic cancers which are histologically described as TNM Classification T1 or are of another equivalent or lesser classification, unless resulting in the surgical removal of the prostate; • Papillary Micro-Carcinoma of the thyroid or bladder; and • Chronic Lymphocytic Leukaemia less than RAI Stage 1. * Carcinoma in situ of the breast is covered if it results directly in the removal of the entire breast. The procedure must be performed specifically to arrest the spread of malignancy, and be considered the appropriate and necessary treatment

Countdown 91.50

Countdown, CIG611 14/07/850/01, July 2014, Page 5, Section 7
Cancer means the uncontrolled growth and spread of malignant cells and the invasion and destruction of tissue for which major interventionist therapy including surgery, radiotherapy, chemotherapy, biological response modifiers or any other major treatment is considered medically necessary or the tumour is sufficiently advanced such that major interventionist therapy is no longer recommended. The following cancers are specifically excluded: • all cancers which are histologically described as premalignant or Carcinoma in Situ or cervical intraepithelial neoplasia, unless it results directly in the removal of the entire organ. The procedure must be performed specifically to arrest the spread of malignancy and be medically considered to be the necessary and appropriate treatment • all skin cancers unless: O there is evidence of metastasis or O the tumour is a malignant melanoma of Clark Level 3 and above or O the tumour is a malignant melanoma with invasion greater than 1.5mm maximum thickness as determined by histological examination using the Breslow method or O the tumour is a malignant melanoma showing signs of ulceration as determined by histological examination. • prostate cancers diagnosed as TNM classification T1 with a Gleason score of 5 or less, unless major interventionist therapy (including but not limited to surgery, radiotherapy, brachytherapy or chemotherapy) is performed • chronic lymphocytic leukaemia less than Rai Stage 1. Countdown, CIG611 14/07/850/01, July 2014, Page 6, Section 7 Carcinoma in Situ means a carcinoma in situ characterised by a focal autonomous new growth of carcinomatous cells, which has not yet resulted in the invasion of normal tissues. ‘Invasion’ means
an infiltration and/or active destruction of normal tissues beyond the basement membrane. The tumour must be confirmed by a tissue biopsy and classified as Tis according to the TNM staging method or FIGO stage O. Carcinoma in situ of the cervix uteri of Cervical Intraepithelial Neoplasia (CIN) classifications CIN1 and CIN2 are not covered. Countdown, CIG611 14/07/850/01, July 2014, Page 6, Section 7 Early Stage Cancer means: • Carcinoma in Situ • Early Stage Chronic Lymphocytic Leukaemia • Early Stage Prostate Cancer. Papillary micro-carcinoma, non-invasive papillary carcinoma and flat, non-invasive carcinoma in situ of the bladder are not covered under this Policy. Early Stage Chronic Lymphocytic Leukaemia means the presence of chronic lymphocytic leukaemia diagnosed as Rai stage O, which is defined to be in the blood and bone marrow only. Early Stage Prostate Cancer means prostate cancers which are histologically described as TNM classification T1 with a Gleason score of 5 or less. Countdown, CIG611 14/07/850/01, July 2014, Page 3, Section 2 Early Stage Cancer (with the exception of Early Stage Chronic Lymphocytic Leukaemia) – the payment will be limited to the lesser of 10% of the Serious Illness Cover Amount or $20,000. Early Stage Chronic Lymphocytic Leukaemia – the payment will be limited to the lesser of 20% of the Serious Illness Cover Amount or $20,000.

Fidelity Life 89.50

Platinum Plus, Trauma Cover, YRT-15D-011015, Section C, Page 3
Cancer means the presence of one or more invasive malignant tumours, including leukaemia, malignant bone marrow disorders and malignant lymphomas. The following cancers are excluded: - Tumours showing the malignant changes of carcinoma-in-situ (including cervical dysplasia CIN1, CIN2 and CIN3) unless leading to radical surgery for its removal and treatment by radiotherapy or chemotherapy, or tumours that are histologically described as premalignant. * - Prostatic cancers classified under TNM classifications as T1 (all categories) and Gleason score less than or equal to 5. ++ - Malignant melanomas that are Clark Level 1 or 2 depth of invasion, and less than 1.5mm in thickness as measured using the Breslow method and have no evidence of ulceration as determined by histological examination. +++ - All hyperkeratoses or basal cell carcinomas of the skin. - All squamous cell carcinomas of the skin unless they have spread to other organs. - Chronic lymphocytic leukaemia less than Rai Stage 1. * We will pay 25% of the sum assured to a maximum of $50,000, the first time the insured person is diagnosed with carcinoma in situ of the breast+, cervix uteri, vagina, vulva, fallopian tubes, ovary, corpus uteri, perineum, penis or testicle. Carcinoma in situ must be positively diagnosed by histological examination. Carcinoma in situ is characterised by a focal autonomous new growth of carcinomatous cells which has not yet resulted in invasion of normal tissue beyond the basement membrane. Tumours must be classified as TisNOMO according to the TNM classification or FIGO stage 0. Invasion means an infiltration and/or active destruction of normal tissue beyond the basement membrane. + We will pay the sum assured, where carcinoma in situ results in removal of the entire breast specifically to arrest the spread of malignancy and this procedure is the appropriate and necessary treatment as certified by an oncologist. ++ We will pay the sum assured for early stage prostate cancer where the entire prostate has been removed, or treatment by either radiotherapy or chemotherapy has been undertaken, specifically to arrest the spread of malignancy, and the procedure is the appropriate and necessary treatment. Otherwise we will pay the lesser of 25% of the sum assured or $100,000 for early stage prostate cancer. +++ We will pay 25% of the sum assured to a maximum of $25,000, the first time the insured person is diagnosed with a malignant melanoma that is Clark Level 1 or 2 depth of invasion, or less than 1.5mm in thickness as measured using the Breslow method. Early stage prostate
cancer means a prostate tumour that is histologically described as having a TNM classification T1 (all categories) or Gleason score less than or equal to 5.

MAS 89.50

IPLP006-06/2012, Page 8, Section 5.1
Cancer Means the presence of one or more malignant tumours including lymphoma, Hodgkin’s disease, leukaemia, malignant bone marrow disorders, malignant melanomas greater than or equal to Clark Level 3 or greater than or equal to 1.5 millimetres (mm) depth of invasion and prostatic cancers with a Gleason score of 6 or more, as determined by histological examination, or a TNM classification of T2 or above. The tumour must be characterised by the uncontrolled growth and spread of malignant cells and the invasion and destruction of normal tissue. The tumour must also: - require major interventionist therapy including surgery, radiotherapy, chemotherapy, biological response modifiers or any other major treatment; or - be totally incurable. The following tumours are excluded: - tumours that are histologically described as premalignant or show the malignant changes of carcinoma in situ, including cervical dysplasia CIN1, CIN2 and CIN3; and - melanomas that are both less than 1.5 mm depth of invasion and less than Clark Level 3 as determined by histological examination; and - all other types of skin cancer unless there is evidence of metastases; and - prostatic cancers that are histologically described as TNM classification T1 (including T1a, T1b and T1c) unless they have a Gleason score of 6 or more; and - tumours that are treated by endoscopic procedures alone; and - chronic lymphocytic leukaemia less than RAI stage 1. Cover will be provided for carcinoma in situ of the breast if the entire breast is removed specifically to arrest the spread of malignancy
and this procedure is the appropriate and necessary treatment as confirmed by an appropriate specialist registered medical practitioner approved by us. Prophylactic surgery where there is a family history of breast cancer is specifically excluded. IPLP006-06/2012, Page 8, Section 5.1 Early stage cancer diagnosis Means, any one of the following early stage cancers, - carcinoma in situ of the breast, where the tumour is classified as TNM stage Tis; or - carcinoma in situ of the vulva, vagina or fallopian tube where by the tumour is classified as TNM stage Tis or FIGO stage 0; or - carcinoma in situ of the cervix that is at TNM stage Tis or CIN3 grading; or - prostatic cancers that are histologically described as T1 classification or of an equivalent classification where major interventionist therapy is not required; or - carcinoma in situ of the penis, where the tumour is histologically described as TNM classification Tis requiring surgical excision. The cancer cells do not penetrate the basement membrane nor invade the surrounding tissues; or - carcinoma in situ of the testicle, where the tumour is histologically described as TNM classification Tis in one or both testes. The cancer cells do not penetrate the basement membrane nor invade the surrounding tissues. We will make a partial payment, pursuant to section 1.2 of this insurance module on the unequivocal diagnosis of one of the above early stage cancers by a specialist registered medical practitioner. All other early stage cancers are specifically excluded.

OnePath 95.50

Assurance Extra, Trauma Cover, V4.2, 12/2015, Page 10, Section 15
Cancer* Means the presence of one (1) or more malignant tumours including leukaemia, lymphomas and Hodgkin’s disease characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. Malignant
melanomas are covered provided there is: - evidence of ulceration as determined by histological examination; or - at least Clark Level 3 depth of invasion; or - thickness measuring at least 1.5mm using the Breslow method as determined by histological examination. The following tumours are excluded: - Tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia CIN-1, CIN-2 and CIN-3) or which are histologically described as premalignant or non-invasive unless they result in Radical Surgery. - All other type of skin cancers, unless there is evidence of metastases. - Prostatic cancers which are histologically described as: - TNM Classification T1; or - Gleason Score of equal to or less than 5 (or equivalent histological classification). - Chronic Lymphocytic Leukaemia less than Rai Stage I. Carcinoma in situ of the breast is only covered if it results directly in the removal of the entire breast. The procedure must be performed specifically to arrest the spread of malignancy and be considered the appropriate and necessary treatment as determined by an appropriate Specialist approved by OnePath. Prostatic cancers histologically described as TNM Classification T1 or Gleason score of equal to or less than 5 (or equivalent histological classification) are covered, provided that the: - tumour results directly in the removal of the entire prostate; or - treatment by either radiotherapy or chemotherapy has been recommended, specifically to arrest the spread of malignancy, and the procedure is the appropriate and necessary treatment as determined by an appropriate Specialist approved by OnePath.
Partial Benefit For the following covered conditions listed below under this Clause 16, OnePath may pay the lesser of twenty-five percent (25%) of the Trauma Cover sum insured (or Optional Children’s Benefit) or $75,000 if a Life Assured meets the diagnosis criteria applicable to the relevant criteria. When a capped benefit is paid the Trauma Cover sum insured (or Optional Children’s Benefit) will instantly be reduced by the amount of the capped benefit paid. If the Life Assured or child covered under the Optional Children’s Benefit, suffers any of the covered conditions listed under this Clause 16 marked with an Asterisk (*) within the first ninety (90) days following the Receipt of Application then no benefit will be payable in respect of that condition. If the Trauma Cover sum insured is increased then this ninety (90) day stand down period will also apply for the increased amount from the Receipt of Application for the increase. For conditions listed under this Clause 16 and marked below with a Hash (#) you can make a claim more than once provided that the definition of the condition is met. Adult Insulin Dependent Diabetes Mellitus Angioplasty#* Burns of Limited Extent Chronic Lymphocytic Leukaemia* Colostomy and/or Ileostomy Heart Valve Replacement* Loss of Limb Minor Heart Attack#* Severe Osteoporosis Severe Rheumatoid Arthritis Systemic Lupus Erythematosus (SLE) with lupus nephritis Chronic Lymphocytic Leukaemia* Means the presence of chronic lymphocytic leukaemia diagnosed as Rai stage 0, which is defined to be in the blood and bone marrow only.

Partners Life 100.00

Personal Protection, Trauma Cover Standalone, V12 (1 April 2015), Page 4, Section 4
Cancer* Means the presence of at least one (1) malignant tumours including melanoma, leukaemia, lymphoma and Hodgkin’s disease which are characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. The following tumours are excluded: • Tumours showing the malignant changes of carcinoma in situ (including cervical dysplasia CIN-I (1), CIN-II (2) and CIN-III (3)) or which are histologically described as premalignant or non-invasive unless they result in Radical Surgery, chemotherapy or radiotherapy, provided that treatment is considered appropriate and necessary by an appropriate Specialist; or • All non-melanoma skin cancers, unless there is evidence of metastases; or • Malignant melanoma which are less than 1.0 mm depth of invasion using the Breslow method, less than Clarks Level 3 and have no evidence of ulceration as determined by histological examination; or • Prostatic cancers which are histologically described as: − TNM Classification T1; or − Gleason Score of 5 or less; unless − They result in Radical Surgery or Major Treatment; and • Chronic Lymphocytic Leukaemia less than Rai Stage I; and • Papillary and follicular carcinoma of the thyroid, histologically diagnosed as TNM Classification T1a (tumour 1.0 cm or less in greatest dimension),
unless existence of lymph node and/or distant metastasis. Diagnosis Criteria: Means: • An unequivocal diagnosis of Chronic
unless existence of lymph node and/or distant metastasis. Diagnosis Criteria: Means: • An unequivocal diagnosis of Chronic Lymphocytic Leukaemia Rai Stage 0; or • Prostatic cancers which are histologically described as TNM classification T1 or Gleason Score of 5 or less; or • Malignant Melanoma of less than 1.0 mm using the Breslow method or malignant melanoma of at least Clarks Level 1, as determined by histological examination; or • Papillary and follicular carcinoma of thyroid, histologically diagnosed as T1a* (tumour 1.0 cm or less in greatest dimension); or • The presence of carcinoma in situ, characterised by a focal autonomous new growth of carcinomatous cells which has not yet resulted in invasion of normal tissue beyond the basement membrane. ‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane. The diagnosis of Carcinoma-in-situ must always be positively diagnosed by histological examination and classified as at least one of the following – whichever is the most applicable for the tumour site: − TisN0M0 according to the TNM classification; or − FIGO stage 0; or − CIN III (3).

Pinnacle Life 86.50

Pinnacle, Critical Illness Cover, June 2014, Page 9, Section 'Critical Illness Definitions'
Cancer Cancer is a disease characterised by the uncontrolled growth of malignant cells that are able to spread through the body via lymph or blood and destroy tissue. Cancer typically invades organs such as lungs, breast, prostate, bowel, liver, kidney, brain, bone, colon, spleen, cervix, testes and vagina and also presents as leukaemia, Hodgkin's lymphoma, non-Hodgkin's lymphoma and malignant melanoma. You're covered if the insured person suffers from cancer requiring major intervention such as chemotherapy, radiotherapy or surgery. Your cover does not extend to these less invasive forms of cancer: - Carcinoma in situ, being early stage cancer where there is no invasion of surrounding tissue - Skin cancer or melanoma that is only Clark level 1 or 2 or less than 1.5mm thick - Prostate tumours equal to or less than a Gleason class 6 or a TNM class T1 - Cervical dysplasia, which is the growth of pre-malignant cells on the surface of the cervix - Chronic Lymphoid Leukaemia less than RAI stage 3.

SBS Bank 82.50

Southsure Insurance, Critical Condition Insurance, Page 5, Section 3.1
3.1 Cancer Subject to clause (3.1.1), if You have been diagnosed as suffering, for the first time ever and at a date not earlier than 90
days after the Start Date or the Date of Reinstatement (whichever is the latter) from this Critical Condition, and the Survival Period is reached, We will pay You the full current Sum Insured and Your Policy will stop. 3.1.1 Benefit Conditions You must have been diagnosed as suffering from the manifestation of a malignant tumour (a tumour which is not encapsulated and has properties to infiltrate and cause metastases*) characterised by the uncontrolled growth and the spread of malignant cells and the invasion and destruction of normal tissues for which major interventional treatment or surgery (excluding endoscopic procedures alone) is considered medically necessary by an appropriate specialist. The diagnosis must be supported by histological evidence of malignancy. Types of cancer covered: • All invasive malignant cancers other than the cancers listed under “Types of cancers excluded” in this section; • Leukaemia; • Hodgkin’s disease (other than stage one); and • Invasive malignant melanoma of a skin invasion of 1.5 mm and over as determined by the Breslow method or any other equivalent method. Types of cancer excluded: • Pre-malignant lesions; • Tumours showing the malignant changes of carcinomas in situ** (including cervical dysplasia CIN-1, CIN-2 and CIN-3) or which are histologically described as pre-malignant; • Kaposi’s sarcoma; • Papillary micro-carcinoma of the bladder; • Tumours in the presence of any Human Immunodeficiency Virus (HIV) or Acquired Immunodeficiency Syndrome (AIDS), unless they are the result of medically or occupationally acquired HIV; • All skin cancers, including hyperkeratosis, basal cell carcinomas and squamous cell carcinomas, unless there is evidence of metastases*; • Prostatic cancers which are histologically described as TNM Classification T1 or are of another equivalent or lesser classification; and • Chronic Lymphocytic Leukaemia less than Rai Stage 3. * Metastases is the transmission and establishment of detectable cancer due to the spread of cancerous cells from one original site to one or more sites elsewhere in the body. ** Carcinoma in situ of the breast is covered if it results directly in the removal of the entire breast. The procedure used must be performed as a direct result of the carcinoma in situ, performed specifically to arrest the spread of malignancy and be considered to be the usual and necessary treatment. Carcinoma in situ of the breast means localised, pre-invasive stage 0 cancer of the breast which is classified as TisN0M0 using the TNM classification.

Southern Cross 81.50

Critical Illness Cover, 0109/MC/1SCCI001/0615, Page 8, Section 6
Diagnosis criteria The presence of one or more malignant tumours which are to be characterised by the pathological (histological) confirmation of the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment or surgery is considered necessary. Included are sarcoma, Hodgkin’s lymphoma, non-Hodgkin’s lymphoma, malignant bone marrow disorders and leukaemia with the exception of chronic lymphocytic leukaemia which is at Binet stages A and B or Rai stages 0, I and II. Exclusions The following tumours are excluded: • Tumours showing the malignant changes of carcinoma in situ (including Cervical dysplasia, CIN-1, CIN-2 and CIN-3) or which are histologically described as premalignant. Carcinoma in situ of the breast is covered if it results directly in the removal of the entire breast. This procedure must be performed to specifically arrest the spread of malignancy and be considered the appropriate and necessary treatment as recommended by an appropriate medical specialist. • All skin cancers, including hyperkeratoses, basal cell carcinomas and squamous cell carcinomas, unless there is evidence of metastases. • Malignant melanomas of 1.5mm or less maximum thickness as determined by histological examination using the Breslow method and less than Clark level 3 depth of invasion without ulceration. • All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0. • Papillary micro-carcinoma of the thyroid or bladder. • Any tumours associated with Acquired Immune Deficiency Syndrome (AIDS) or HIV infection. • Tumours treated by endoscopic procedures alone. • Any cancer types noted on the Critical Illness Certificate.

Sovereign 93.50

802 TCP-LAC version 8, 10/2015, Page 12, Section 15
Cancer The life assured has suffered or undergone one of the following conditions: Carcinoma-in-situ A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissues. ‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane. This benefit only covers carcinoma-in-situ of the following sites: > Breast > Cervix > Vagina > Vulva The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Sovereign policies. Carcinoma-in-situ radical surgery As a result of a carcinoma-in-situ, an operation to arrest spread of the malignancy is performed which involves the removal of the entire organ (which includes: breast, cervix, ovary, fallopian tube, vagina, vulva, prostate, colon/rectal, bladder) affected that is considered medically necessary by an appropriate specialist. The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0. Malignant tumours The presence of one or more malignant tumours, characterised by uncontrolled growth and spread of malignant cells, with the invasion and destruction of normal tissue for which major interventionist treatment or surgery is considered medically necessary by an appropriate specialist. The following tumours are excluded: > Tumours classified as carcinoma-in-situ (including intra-epithelial neoplasia). > Prostate tumours with a Gleason score of less than 6. (If the Gleason score is unavailable, we will use the TNM classification and tumours classified as T1 or its equivalent will be excluded). > All malignant melanomas unless they: - Are at least 1.5mm thickness as measured using the Breslow histological classification; or - Are at least Clark level 3; or - Show evidence of ulceration as determined by histological examination. > Skin cancers unless they have spread to other organs > Chronic lymphocytic leukaemia less than RAI Stage 1. Prostate Cancer As a result of a prostate tumour, the entire prostate is removed to arrest spread of the malignancy and this is considered medically necessary by an appropriate specialist. The benefit also covers malignant tumour of the prostate histologically described as T1 or Gleason score of 5 or less for which treatment is considered medically necessary, and undertaken by an appropriate specialist to arrest the spread of malignancy including but not limited to chemotherapy, radiotherapy, or surgery.

Westpac 84.00

Term Cover Policy, Crisis Cover, 07/2014, Page 6, Section 5.1
Cancer A malignant tumour pathologically confirmed and characterised by the uncontrolled spread of malignant cells and the invasion of normal tissue. Also included are Hodgkin’s disease, lymphoma, colorectal cancer (from Dukes stage A) and leukaemia. The following are specifically excluded: – all skin cancers except: a) metastatic squamous cell carcinomas; and b) melanomas of 1.5 millimetres or more in thickness; – all tumours which are histologically described as microcarcinoma, pre-malignant or showing the malignant changes of ‘carcinoma-in-situ’, including cervical dysplasia rated as CIN 1, 2 or 3 (‘carcinoma-in-situ’ of the breast is covered if it results directly in the removal of the entire breast. This procedure must be performed specifically to arrest the spread of malignancy and be considered the appropriate and necessary treatment); – chronic lymphocytic leukaemia (less than RAI stage 1); and – prostatic tumours which are histologically described as TNM classification T1 (including T1a, T1b and T1c), or characterised by a Gleason Score of less than 6, or are of another equivalent or lesser classification (prostate cancer is covered if it results directly in total prostatectomy. This procedure must be performed specifically to arrest the spread of malignancy and be considered the appropriate and necessary treatment).

Partial or Early Cancer Benefits

Partical claim or early cancer benefits that pay a portion of the total trauma benefit or a fixed lower amount wouldn't fit here, so I've posted as a follow up article for you here