Abnormal Smear & Life Insurance
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Abnormal Smear & Life Insurance
Cervical screening is a test that is offered to within the UK to people aged between 25 and 64. This test is now mainly focused upon detecting HPV within the cervix, that can lead to changes in the way that cells are working.
When you have had an abnormal smear test result you could hear that you HPV. You will then usually be offered another test and might hear the terms CIN1, CIN2 or CIN3. This information can come up in life insurance applications and we are here to help you understand how this might affect your options.
There’s just a few things we’d need to know from you to get started:
- When did you have your cervical screening?
- What follow-up has been planned for you?
- Are you due to have any surgical procedures?
- Have you been told that you have CIN1, CIN2, or CIN3?
When you apply for life insurance some insurers will want to see that you have had a normal follow-up smear test, after the one that showed some abnormal cells.
But this is some insurers, not all. If you have been told that you have HPV but no abnormal cells, or potentially CIN1, you can find that some insurers will offer you life insurance at standard terms.
If you have been told that you have CIN2 or CIN3 cells in your cervix, many insurers will want to wait until after you have received treatment and are showing normal cervical screening results, before offering life insurance. There may be some more specialist life insurance options that we can look at for you, while you are waiting for these results.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Abnormal Smear & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
You are quite likely to find that if you have had an abnormal cervical screening that many insurers will want you to have a normal result before they can offer you critical illness cover.
If you have been told that you have HPV but no abnormal cells, or CIN1, you might find that some insurers will offer you critical illness cover. But it might be that they add on a cervical cancer exclusion until you have had a normal smear test.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Abnormal Smear & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
When you have had an abnormal cervical smear test you can find that your income protection application is delayed until you have had a normal result. This can be quite frustrating as there is often a year between smear tests and this is a long time to wait for your insurance.
There is a potential for you to get income protection with an exclusion relating to cervical cancer, whilst you are waiting for your next test. But this will be highly dependent upon the details of how the cells are behaving right now. You are more likely to get this option if you have been told that you have CIN1 cells or HPV with no abnormal cells.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Abnormal Smear & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is an Abnormal Cervical Smear?
An abnormal smear, or cervical smear, may be diagnosed following a smear test. This test is done to try and quickly spot if there are any cells inside the cervix that have the potential to become cancerous.
Also: Smear test
Linked with: Cervical Cancer, human papilloma virus (HPV)
Possible Effects on Lifestyle
Some of the symptoms people may experience after an abnormal cervical screening:
- Anxiety
- Localised discomfort following the test
Medications and Treatments
- Colposcopy
Further Reading and Research
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Common Questions
Hi, thank you for reaching out to us I’m sorry that you have experienced this. Some insurers will postpone or decline life insurance applications if you have had an abnormal smear and not had a follow-up one that shows everything is back to normal.
If we can have a chat we will talk to you about the details of your smear result and what your options for life insurance are. It might be that we need to look at a specialist policy for a little while until you have had the all clear.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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