Cancer Care: don't let serious illness compromise your future

We all hope it never happens, but statistically, the chances of developing cancer before your 75th birthday are around 1 in 3. In other words, the illness is a potential threat to you, your partner or your child.

And it has a serious impact on your family, leaving you with some new decisions to make. Should you reduce your working hours in order to care for your loved one? You might also face some hefty medical bills while your normal everyday expenses continue. At a time when you want space for special moments, and when you can really do without any extra problems.

With Cancer Care – an optional cover within NN's Hypo Care and Hypo Care+ outstanding balance insurance policies – you can avoid a gloomy future.

What are the benefits of Cancer Care?

Insure your entire family and decide how to spend your budget

  • You are entitled to a payment if either you or your co-insured underage child are diagnosed with cancer.
  • This is not a reimbursement scheme, but a payment of a pre-determined amount.
  • The Twee hoofden (Two Heads) option insures you and your partner as well as your children. This is recommended.
  • You are completely free to decide what you will spend the amount on: home care, working less, additional costs that do not qualify for reimbursement, comfortable equipment or care, a nice trip with your family – it's entirely up to you.

Conditions and details

Purpose

To protect your family against the financial consequences of either you or your children being diagnosed with cancer.1

Insured risk

Life-threatening cancers, including leukaemia, malignant lymphoma, Hodgkin's lymphoma, malignant bone marrow cancers and sarcomas.

The cancer must be diagnosed by a medical expert based on cell and tissue analysis. An oncologist must then draw up a histopathological report.2

Insured amount

  • Depends on the monthly repayment for the mortgage loan.
  • Amounts
    • up to EUR 50,000 for the main policyholder
    • half of the amount for the main policyholder for the joint policy holders

Personal risk period

This lasts 6 months. In other words, the insurance policy will not cover a diagnosis of cancer during the first six months from signature of the agreement.

Upper age limit

Cancer Care insures you against cancer until you reach the age of 70.

End of cover

  • For all (joint) policyholders: when the outstanding balance insurance expires
  • For a joint policyholder: once they turn 18 and reach the age of majority

The supplementary Cancer Care cover can be cancelled free of charge at any time without terminating the Hypo Care(+) cover.

Medical acceptance

The same conditions apply as for your main cover, Hypo Care(+)

Premiums

  • The amount of the premium depends on factors such as:
    • your age when the policy is taken out
    • whether or not you smoke
  • Payment frequency
    • monthly: only via direct debit
    • annual: via direct debit or transfer

Don't delay – ask your broker for a quotation in order to find out your exact premium, adjusted to your personal situation.

Tax status

The cover follows the same approach as your main cover, Hypo Care(+).

Are you interested? Please get in touch with your broker

Are you interested in Cancer Care? Then please get in touch with a local broker. That person will be the first point of contact for any questions you may have. They can also give you a quotation.

Do you have questions after taking out your cover? Then please get in touch with NN customer services.

Essential documents

Before you sign your insurance policy, it is essential to go through the following information.

Noodzakelijke documenten

Voor je deze verzekering onderschrijft, is het noodzakelijk om bovenstaande informatie door te nemen.

Documents nécessaires

Avant de contracter cette assurance, il est nécessaire de prendre connaissance des informations ci-dessus.

Dissatisfied?

Cancer Care is an insurance product under Belgian law.

Do you have a complaint about your contract? If so, we kindly request you to follow the procedure below. Please note that you also have the right to take legal action at any time.

More information about the NN complaints procedure

Your unique life deserves a personal approach. That is why we are happy to help you find an independent broker in your area

Footnotes

  1. You may only take out Hypo Care coverage if the monthly instalments on your loan are fixed
  2. The following conditions are excluded from the cancer coverage:
  • Cancer or carcinoma in situ (an early-stage cancer that has not yet spread to the surrounding tissue); dysplasia (tissue abnormality); and premalignant conditions.
  • Prostate cancer with a TNM stage below T2N0M0.
  • Primary melanoma, with the exception of malignant melanoma that has penetrated the epidermis.
  • Non-metastatic papillary thyroid cancer