It depends on the circumstances.
The general rule in the law is that you cannot discriminate against someone because they have cancer. This means that a person with cancer should be able to buy the same goods and services as a person who has never had cancer, at the same price.
However, there are exceptions to the rule that apply to insurance. Insurers are allowed to refuse insurance to a person with cancer if they can show, through statistical evidence, that providing insurance would be an unacceptable risk because you’re more likely to need medical treatment.
To decide if you’re an unacceptable risk, the insurer considers the following:
- are you having treatment?
- are you in remission?
- can they charge you a higher premium?
can they exclude cover for certain things, rather than refusing you insurance altogether?
In general, you should be able to get insurance for things that are not related to your cancer (like travel insurance for lost luggage, or life insurance for accidental death).