Southsea residents – understand comprehensive cancer cover; drugs; radiotherapy; home chemo; second opinions and how private care blends with the NHS.
The pillars of strong cancer cover
- Drugs & therapies: Funding for chemotherapy; immunotherapy and targeted agents; avoid low overall limits.
- Radiotherapy & surgery: Access to advanced techniques and specialist surgical teams.
- Unlimited or very high limits: Prevent mid-treatment funding issues.
Diagnostics make the difference
- High outpatient caps for scans; biopsies and pathology.
- Rapid turnaround to start treatment sooner.
- Second opinion services for complex cases or rare cancers.
Home treatment options
- Some policies support home chemotherapy or hospital-at-home nursing; ask what is available locally via Portsmouth or Southampton networks.
Blending NHS and private in Southsea
- Use private diagnostics for speed; continue treatment with NHS multidisciplinary teams at Queen Alexandra if appropriate.
- Or stay entirely private at Spire Portsmouth or Southampton centres if your plan permits.
Cost control without losing protection
- Choose an annual excess of £250 – £500.
- Keep a regional hospital list; it usually includes your needed cancer centres.
- A 6 week NHS wait option typically does not delay urgent cancer pathways; it can still lower premiums.
FAQ
Are new cancer drugs covered
Comprehensive policies cover more lines of therapy; always check the drug lists and exceptions.
Can I switch insurer mid-treatment
Switching is risky; exclusions may apply to ongoing claims. Seek advice first.