Cancer care
A groundbreaking cancer insurance scheme offering a lump sum benefit and support from, Pulse Health & Reframe Cancer.
Comprehensive cancer cover
Lump-sum payout on diagnosis, covering over 90% of cancers
One-to-one support
Personalised guidance from Cancer Nurse Specialists & Support Managers
Emotional & practical care
Up to 16 hours of post-diagnosis help (e.g., transport, childcare, employer liaison)
Designed for working adults
Tailored for ages 18–64, addressing rising cancer rates and underinsurance
Simple, inclusive access
Streamlined underwriting and available as a group workplace benefit
Pulse insurance
Cancer support service
Pulse Insurance is here to support you throughout your cancer journey. Our Cancer Support Service provides personalised clinical, practical, and emotional assistance to help you navigate every step of the way. This service is delivered by Reframe Cancer, a team of experienced cancer support specialists.
Cancer Screening
Reframe Risk Assessment is a Class One Medical device web-based software application for assessing eligibility for cancer screening and identifying patient risk factors to inform decision making about which cancer screening tests may be beneficial and suggest further investigation should be obtained to support diagnosis. The software assesses eligibility and risk factors for screening for prostate, breast, cervical, colorectal (bowel), lung and skin cancer.
Preventative Care
As a Pulse policyholder, you have access to Reframe’s InfoHub, which is packed with valuable information on cancer-related topics and crucial advice on prevention and symptom awareness.
Pre-diagnosis Support
If you are undergoing cancer tests, the Reframe team is available to support you during this concerning time. They can assist you in managing appointments and referrals, offer reassurance, provide clear explanations, and help you prepare for appointments.
Post Diagnosis Support
After a cancer diagnosis, Reframe’s cancer support team can assist you by developing a personalised support plan.
This plan may include understanding your diagnosis and treatment options (both NHS and private), arranging second opinions, providing advice on how to communicate with loved ones or employers, finding local support groups, and offering practical support for childcare or travel to appointments.
Dedicated Team
The cancer support service will provide you with 16 hours of support over 12 months from your first appointment with the Reframe team. You will be allocated a dedicated team which includes a Cancer Nurse Specialist along with a Cancer Support Manager who will help you with everyday practical challenges.
You will also have 24/7 access to our patient portal, where you can view the resources provided by your team. Additionally, you can message your support team using the online chat function.
Eligibility criteria
Age between 18-64 years old and in full time employment.
Cover extends to all employees of the company, as per schedule declared to us.
In return for the payment of the correct premiums, you are eligible for benefits provided by this policy in accordance with the terms of the policy and the following schedules.
The elected cash benefit you opted for is payable at half the amount shown if you are a smoker, as per the Benefit Schedule.
The following cancers are not covered under this policy:
- Latent cancers.
- Carcinoma in situ.
- Non-melanotic skin cancer – unless there is evidence of distal spread.
- Recurrent cancers.
- Second or subsequent primary cancer.
- Prostate cancer unless the disease has spread beyond the prostate gland and requires treatment other than a local endoscopic resection.
Pricing
Monthly retail premiums
|
Benefit level
|
|||||
|---|---|---|---|---|---|
|
|
£10,000
|
£20,000
|
£30,000
|
£50,000
|
Non-Smoker
|
|
18 - 34
|
£5,000
|
£10,000
|
£15,000
|
£25,000
|
Smoker
|
|
Age band
|
|||||
|---|---|---|---|---|---|
|
18 - 34
|
£4.72
|
£5.57
|
£7.22
|
£12.72
|
|
|
35 - 44
|
£6.57
|
£9.62
|
£13.80
|
£23.35
|
|
|
45 - 54
|
£11.66
|
£22.98
|
£35.70
|
£58.61
|
|
|
55 - 64
|
£22.87
|
£45.41
|
£70.75
|
£116.09
|
|
- Discount and unified rating of ages available upon discussion for group sizes over 100 main members.
- Maximum cover available is 12 months without referral.
- Premiums are inclusive of UK insurance premium tax and value added tax where applicable.
- No cover if already diagnosed with cancer within lifetime and cover ceases on first diagnosis of cancer if an individual. If a group, the below applies instead;
This policy provides a lump sum benefit on the following basis:
- First diagnosis of cancer up to the limits specified above.
- A second or subsequent diagnosis of cancer during the policy period following a previous diagnosis of cancer that occurred either prior to or after being covered under this policy.
Based on the time elapsed since receiving a second or subsequent diagnosis of cancer, this policy will pay a percentage of the benefit level selected in your policy certificate.
See below the benefit entitlement:
|
Years since diagnosis
|
% of sum insured
|
|---|---|
|
10+ years
|
50%
|
|
9 - 10 years
|
45%
|
|
8 - 9 years
|
40%
|
|
7 - 8 years
|
35%
|
|
6 - 7 years
|
30%
|
|
5 - 6 years
|
25%
|
|
4 - 5 years
|
20%
|
|
3 - 4 years
|
15%
|
|
2 - 3 years
|
10%
|
|
2 years or less
|
0%
|
