SLL/CLL travel insurance questions: when you... - CLL Support

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SLL/CLL travel insurance questions

Freedom202 profile image
16 Replies

when you complete the questions for a travel insurance quote, why do they ask if your SLL/CLL was diagnosed before or after your 60th birthday?

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Freedom202 profile image
Freedom202
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16 Replies
scryer99 profile image
scryer99

My guess is they want to know whether there’s a possibility you are on FCR chemotherapy, which I believe is no longer standard of care if you are older than 60, at least in the US.

Freedom202 profile image
Freedom202 in reply toscryer99

thank you for replying. I’m not sure if that’s the case in the UK but it’s good to know

GMa27 profile image
GMa27 in reply toscryer99

FCR still used up to age 65.

scryer99 profile image
scryer99 in reply toGMa27

Yep, I had the age wrong:

ajmc.com/view/nccn-updates-...

No idea then.

Indie1234 profile image
Indie1234 in reply toscryer99

I’ve always thought that if you were diagnosed before 60, maybe you would need treatment. There is no real rationale for my reply. Indie

Wifey21 profile image
Wifey21

Never seen that question on any of the quotes my husband sought.

Harvist profile image
Harvist

I have no idea either but I sort of assumed that the length of time without treatment might be relevant? Every travel insurance I have ever sought has included that question Wifey21

richardp profile image
richardp

I've never thought of " why" before! Is it because , as I understand it, it is more likely you will be diagnosed after the age of 60 and, therefore, if diagnosed before 60, there are other implications.

The good thing is that in the UK the identical set of questions are asked by all travel insurers.

Edalv profile image
Edalv

I really don’t know, but maybe they are trying to calculate how long the applicant has had the condition to estimate the risk. When I applied for a long term care policy 6 years ago they wanted to know when I was diagnosed and if I had any prior treatment. Since I was in W&W, they approved the policy, I got the impression the insurance company was much more concerned with dementia than CLL, which is much more expensive to care for…

Arts116 profile image
Arts116

I know the answer to this! Diagnosis before age 60 implies that you have a more aggressive disease. Typical age of diagnosis is 70.

Freedom202 profile image
Freedom202 in reply toArts116

thank you. Not exactly great news for me but at least I know the answer

22446688 profile image
22446688 in reply toArts116

Hi, would you be able to make us aware where you get this information from? We have researched this throughly and have never read this. Only aware that certain genetic mutations may indicate a faster progression? Thanks

Keepkicking profile image
Keepkicking in reply to22446688

I'm not going to spend time looking, but I can confirm that I've heard/read this statement before-- as I was surprised no one was supplying the answer before Arts did.

akirsch973 profile image
akirsch973

Hi

It is based on survival rates and age at the time of diagnosis. The average age of diagnosis is about 65+ years. If diagnosed much earlier, then the likelihood of long term survival is lower. If this is the situation, then the cost of travel insurance is probably going to be more expensive.

Lk919 profile image
Lk919

My actuarial friend explained it to me once, it was dull so I forgot 90% of what he said. Something to do with pooling insurance policies with others and the risk to that pool losing money. There's probably some random statistic for those diagnosed under 60 (more likely to try scuba diving or off road BMX???)I don't think they will be taking long term prognosis into account for your 2 weeks in Tenerife.

Freedom202 profile image
Freedom202 in reply toLk919

Sounds amazing but probably not viable in the UK

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