Getsurance Cancer Insurance Conditions: Your comprehensive guide for optimal protection
17 Jun 2025
3
Minutes
Katrin Straub
CEO at nextsure
A cancer diagnosis can change your life overnight. The Getsurance cancer insurance offers immediate financial assistance, but what exactly are the conditions? This article sheds light on all aspects of the Getsurance cancer insurance conditions, helping you to make informed decisions.
The topic in brief and concise terms
The Getsurance cancer insurance provides immediate financial assistance upon a cancer diagnosis. The amount of benefit (full/half) depends on the timing of the diagnosis after the contract begins, and there is a six-month waiting period.
Specific definitions and exclusions for certain types of cancer (e.g., precursors, certain stages of prostate/thyroid cancer) are precisely outlined in the terms and require attention.
In addition to financial benefits, additional services such as psychotherapeutic support and assistance in finding specialists are also part of the Getsurance cancer insurance conditions.
Getsurance Cancer Insurance Conditions: A Summary of the Core Benefits
The Getsurance Cancer Immediate Benefit pays out an agreed insurance sum upon a cancer diagnosis. If a diagnosis is made at least twelve months after the contract begins, you will receive the full amount. If the diagnosis is made between the sixth and twelfth month, half the amount is paid out. The same half insurance sum applies for insured children under 18 years if the diagnosis occurs after six months. The insurance cover is valid worldwide, providing flexibility for over 300 covered cancer types. This structure offers initial financial security of up to €100,000. The exact details of the cancer insurance are crucial.
Definition of cancer: What is covered according to Getsurance terms?
According to the Getsurance cancer insurance conditions, cancer is defined as a malignant tumour characterised by uncontrolled growth and tissue invasion. This includes leukaemia, lymphomas, and Hodgkin's disease. Benign tumours are explicitly not defined as cancer and are therefore not insured. The diagnosis must always be confirmed by a pathology report from a specialist. This provides a clear distinction for over 250,000 annual new cancer cases among men in Germany. An understanding of this definition is fundamental.
Specific exclusions and regulations for certain types of cancer
The Getsurance cancer insurance conditions contain specific regulations for certain types of cancer. Pre-cancer stages, such as premalignant tumours or carcinoma in situ, are not insured. For leukaemia, a benefit is linked to anaemia caused or the involvement of more than one lymph node region. Thyroid cancer is insured from stage T3 according to the TNM classification, prostate cancer from T2 or a Gleason score of at least seven. Skin cancer is insured as a malignant melanoma from T2b. However, if metastases form in cases of melanoma, prostate cancer, or thyroid cancer, benefits are provided regardless of initial size. These details are relevant for the approximately 65,000 annual prostate cancer cases. Knowledge of the waiting periods for cancer insurance is also important here.
Waiting times and validity: Understanding deadlines in the Getsurance terms
A general waiting period of six months is stipulated in the Getsurance cancer insurance terms. If cancer is diagnosed within these first six months, there is no entitlement to benefits. In this case, the insurance terminates, and any premiums already paid are refunded. If a precancerous condition is diagnosed during the waiting period, the coverage for this specific type of cancer is also void after the waiting period expires. This affects thousands of policyholders annually. The insurance commences on the date specified in the insurance policy and ends upon benefit payout, reaching the contract end date, or rejection of benefits due to the waiting period. In the event of the insured's death, any existing benefit entitlement passes to the heirs. The maximum entry age is 60 years, with coverage extending at most until the age of 70. Financial support for cancer is often tied to such timelines.
Claim case: How to receive your payout according to Getsurance terms
If an insurance event occurs, the Getsurance Cancer Insurance terms require immediate written notification. This can be done via online form or email, providing the insurance number. A copy of the diagnosis including detailed medical reports on the cause, onset, type, and course must be attached. The diagnosis must be confirmed by clinical, radiological, or histopathological examinations conducted by a doctor practising in Germany, Austria, or Switzerland. Getsurance may request further examinations at its own expense, which may require a waiver of confidentiality. After successful review of an average of five to seven documents, payment is made. The payout is tax-free and can be used freely. Familiarity with the Getsurance Cancer Insurance terms is essential for smooth processing.
Additional Services: More Than Just Financial Support
The Getsurance Cancer Insurance terms provide support beyond the financial lump sum payment. Insured individuals can avail themselves of up to five therapy sessions with a private psychotherapist to cope mentally. Reimbursement is made up to 2.3 times the rate of the Fee Schedule for Psychotherapists (GOP). Additionally, up to 100 euros are covered once for digital self-learning content to help manage the illness. An independent service provider assists in finding specialists or obtaining a second opinion. However, the cost of the second opinion itself is borne by you or your health insurance. These additional services can ease the daily lives of over 500,000 new cancer patients annually in Germany.
Contract adjustments and financial flexibility in the terms
The conditions of the Getsurance cancer insurance allow for adjustments to the sum insured. An increase requires a renewed risk assessment and results in a new six-month waiting period for the increased portion. The maximum insured sum is 100,000 euros (up to age 50) and 50,000 euros (from age 51). A reduction in the sum is possible without a new assessment, with a minimum sum of 5,000 euros. In the event of payment difficulties, the sum can be temporarily reduced and increased again within twelve months without a new assessment, provided no claim has been made. This flexibility is an important aspect for many of the over 1.6 million people in Germany living with a cancer diagnosis made less than five years ago. The possibility to adjust cancer insurance retrospectively is an advantage.
Increase in the sum insured: New risk assessment, new waiting period for the additional amount.
Reduction of the sum insured: Possible at any time, adhere to the minimum sum.
Temporary reduction: Possible for up to twelve months in case of payment difficulties.
Exemption from contributions in case of occupational disability: Possible under certain conditions (at least 50 percent occupational disability for six months).
Children are co-insured free of charge up to the age of 18 (half the insured sum).
These options offer some leeway in changing life situations.
Expert Depth: Legal aspects and key clauses
The Insurance Contract Act (VVG) forms the legal basis for the Terms and Conditions of Getsurance Cancer Insurance. The pre-contractual duty of disclosure (§ 19 VVG) obliges you to answer all health questions truthfully. Incorrect information can lead to the loss of insurance coverage. The six-month waiting period is a common clause that makes the risk calculable for the insurer. The VVG regulates general waiting periods in § 197, although specific cancer insurances may set their own differing periods. Our expert tip: Document all information and diagnoses carefully to avoid ambiguities in the event of a claim. The TNM classification (Tumor, Node, Metastases) is an internationally recognised standard for staging cancer and is also used in the Getsurance terms for certain types of cancer. Understanding the best cancer insurance also requires knowledge of such details.
Pre-contractual duty of disclosure (§ 19 VVG): Complete and truthful information is mandatory.
Waiting periods: Six months are common, see contract for details.
Definition of cancer: Precise examination of the insured diagnoses is necessary.
Exclusions: Certain stages or types of cancer may be excluded.
Reporting obligations: Changes (e.g., taking up smoking) must be reported.
Right of termination: You may cancel monthly.
Scope of coverage: Worldwide protection is an advantage.
Benefit amount: Depends on the timing of the diagnosis and age.
A careful examination of these points is essential before concluding.
Risk Factors and Prevention: What You Can Do Yourself
Although the Getsurance cancer insurance conditions offer financial security, prevention is an important aspect. The Robert Koch Institute (RKI) reports about 493,200 new cancer cases annually in Germany (as of 2020). Many risk factors are known and partly avoidable, including smoking, unhealthy diet, lack of exercise, and excessive UV radiation. Utilizing early detection examinations can significantly enhance the chances of recovery in many of the over 30 types of cancer. The Getsurance conditions do not include direct bonuses for preventive care, but a healthy lifestyle can reduce the risk of illness. Cancer insurance without health questions is rare, so honesty when applying is important.
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More useful links
Wikipedia provides a comprehensive overview of critical illness insurance, a form of term life insurance.
The German Cancer Aid offers information about financial support and its hardship fund for cancer patients.
The Federal Ministry of Health provides extensive information on cancer early detection and prevention.
The Federal Statistical Office supplies detailed data and tables on healthcare costs by diagnosis in Germany.
The German Cancer Society offers basic and advanced information on various types of cancer and their treatment.
The Federal Joint Committee (G-BA) sets guidelines for medical care in Germany, including those for cancer diseases.
The Patient Protection Foundation provides information on patient rights and offers support with questions concerning healthcare.
FAQ
How quickly does Getsurance pay out for cancer insurance claims?
After submitting all necessary documents (diagnosis, medical reports) and successful examination, Getsurance will transfer the benefit. The conditions do not specify an exact deadline but emphasize prompt processing.
What happens if I develop cancer during the waiting period of the Getsurance cancer insurance?
If cancer is diagnosed within the six-month waiting period, there is no entitlement to benefits. The insurance ends, and you will receive your premiums already paid back.
Is psychological support or second opinions covered in the Getsurance cancer insurance terms?
Yes, the conditions include covering the cost for up to five psychotherapy sessions and up to 100 euros for digital self-learning content. Additionally, support is offered in organizing a medical second opinion, although the costs of the second opinion itself are not covered.
What role does the TNM classification play in the Getsurance terms and conditions?
The TNM classification (Tumour, Node, Metastasis) is used to define the obligation to provide services for certain types of cancer, such as thyroid cancer (at least T3), prostate cancer (at least T2), and skin cancer (malignant melanoma at least T2b).
Do I need to inform Getsurance if I start smoking?
Yes, if you start smoking after concluding the contract, you must inform Getsurance. This represents an increased risk and may lead to an adjustment of your contribution.
Until what age can I take out the Getsurance cancer insurance?
The minimum entry age is 18 years, and the maximum entry age is 60 years. The insurance coverage lasts up to a maximum of 70 years of age.
