Getsurance Cancer Insurance Terms: Your comprehensive guide for optimal coverage
17 Jun 2025
Katrin Straub
Managing Director at nextsure
A cancer diagnosis changes your life overnight. The Getsurance cancer insurance provides immediate financial assistance, but what exactly are the conditions? This article explores all aspects of the Getsurance cancer insurance conditions to help you make informed decisions.
The topic in brief and concise terms
The Getsurance cancer insurance provides immediate financial assistance in the event of a cancer diagnosis. The benefit amount (full/half) depends on the time of diagnosis after the start of the contract, and a six-month waiting period applies.
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, supplementary services such as psychotherapeutic support and assistance in finding specialists are also part of the Getsurance cancer insurance terms.
Getsurance Cancer Insurance Conditions: An Overview of the Core Benefits
The Getsurance Cancer Immediate Assistance pays out an agreed insurance sum upon a cancer diagnosis. If a diagnosis is made at least twelve months after the contract is concluded, you will receive the full amount. If the diagnosis occurs between the sixth and twelfth month, half the amount will be paid. For insured children under 18 years, the half insurance sum also applies if diagnosed after six months. The insurance cover is valid worldwide, providing flexibility for over 300 insured types of cancer. This structure offers an initial financial security of up to 100,000 Euros. 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 terms, 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 doctor. This ensures a clear distinction for over 250,000 new cancer cases annually among men in Germany. Understanding this definition is fundamental.
Specific Exclusions and Regulations for Certain Types of Cancer
The Getsurance cancer insurance terms contain specific regulations for certain types of cancer. Precursors to cancer, such as premalignant tumours or carcinoma in situ, are not insured. In the case of leukaemia, compensation is linked to anaemia caused by the condition 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 malignant melanoma from T2b. However, if black skin cancer, prostate cancer, or thyroid cancer metastasise, compensation is provided regardless of the initial size. These details are relevant for the approximately 65,000 annual cases of prostate cancer. Understanding the waiting periods for cancer insurance is also important in this context.
Waiting times and validity period: 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 ends, and any premiums already paid will be refunded. If a precancerous stage is diagnosed during the waiting period, coverage for this specific type of cancer is void even after the waiting period has elapsed. This affects thousands of policyholders annually. Insurance commences on the date specified in the insurance certificate and ends with the payout of the benefit, the achievement of the contract's end date, or the denial of benefits due to the waiting period. In the event of the insured's death, any existing benefit claim is transferred to the heirs. The maximum entry age is 60 years, and coverage runs at most until the age of 70. Financial support for cancer is often tied to such deadlines.
Claim Event: How to Receive Your Payout According to Getsurance Conditions
When an insurance claim arises, the Getsurance cancer insurance conditions require an immediate written notification. This can be done via online form or email, providing the insurance number. A copy of the diagnosis with detailed medical reports on cause, onset, type, and progression must be enclosed. The diagnosis must be confirmed through clinical, radiological, or histopathological examinations by a doctor registered in Germany, Austria, or Switzerland. Getsurance may request further examinations at its own expense, which may require a release from confidentiality. After successful review of an average of five to seven documents, the transfer is made. The payout is tax-free and can be used freely. Familiarity with the Getsurance cancer insurance conditions is essential for a smooth process.
Additional Services: More Than Just Financial Help
The Getsurance cancer insurance conditions provide further support beyond the one-time financial payment. Insured individuals can receive up to five therapy sessions with a private psychotherapist for mental coping. The reimbursement covers up to 2.3 times the rate of the Fee Schedule for Psychotherapists (GOP). Additionally, a one-time fee of up to 100 euros for digital self-study materials for coping with the illness is covered. An independent service provider assists in finding specialists or obtaining a second opinion. However, the costs for the second opinion itself are borne by you or your health insurance. These additional services can ease the everyday life of over 500,000 new cancer cases annually in Germany.
Expert Depth: Legal Aspects and Key Clauses
The Insurance Contract Act (VVG) forms the legal basis for the Getsurance cancer insurance conditions. The pre-contractual duty of disclosure (§ 19 VVG) requires you to answer all health questions truthfully. Incorrect information may lead to the loss of insurance cover. The waiting period of six months is a common clause that makes the risk calculable for the insurer. The VVG regulates general waiting periods in § 197, whereby specific cancer insurance policies may set their own differing deadlines. Our expert tip: Carefully document all information and diagnoses to avoid ambiguities in the event of a claim. The TNM classification (tumour, nodes, metastases) is an internationally recognised standard for staging cancer and is also used in the Getsurance conditions 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: Careful 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 cancellation: You can cancel monthly.
Scope of cover: Worldwide protection is a plus.
Benefit amount: Depends on the time of diagnosis and age.
A careful review of these points is essential before concluding.
Risk factors and prevention: What you can do yourself
Although the Getsurance cancer insurance conditions provide financial security, prevention is an important aspect. The Robert Koch Institute (RKI) reports around 493,200 new cancer cases annually in Germany (as of 2020). Many risk factors are known and partly avoidable. These include smoking, unhealthy diet, lack of exercise, and excessive UV radiation. Undergoing early detection examinations can significantly improve the chances of curing many of the over 30 types of cancer. The Getsurance conditions do not offer direct bonuses for preventive measures, but a healthy lifestyle can reduce the risk of disease. The cancer insurance without health questions is rare, so honesty when applying is important.
nextsure: Your partner for tailored insurance coverage
The Getsurance cancer insurance terms highlight the importance of thoroughly reviewing contract details. At nextsure, we understand that every life situation is unique. Our mission is to offer you tailored and easy-to-understand insurance solutions. With our focus on niche products and full digitalisation, we help you find the right protection. We provide expert advice to ensure optimal coverage for you, whether it's cancer insurance or another specialist policy from our portfolio of over ten insurance categories. Trust in our expertise in digital insurance solutions. A cancellation of an existing policy can also be part of optimisation.
Request your individual risk analysis now: Have your insurance situation reviewed for free and receive concrete optimisation suggestions.
More useful links
Wikipedia provides a comprehensive overview of critical illness insurance, a form of term life insurance.
The German Cancer Aid provides information on financial assistance and its hardship fund for cancer patients.
The Federal Ministry of Health offers comprehensive information on cancer screening and prevention.
The Federal Statistical Office provides detailed data and tables on disease 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 for cancer diseases.
The Patient Protection Foundation provides information on patients' rights and offers support with questions related to healthcare.
FAQ
Wie schnell zahlt die Getsurance Krebsversicherung im Leistungsfall?
Nach Einreichung aller notwendigen Unterlagen (Diagnose, ärztliche Berichte) und positiver Prüfung überweist Getsurance die Leistung. Die Bedingungen nennen keine exakte Frist, betonen aber eine umgehende Bearbeitung.
Was passiert, wenn ich während der Wartezeit der Getsurance Krebsversicherung an Krebs erkranke?
Wenn Krebs innerhalb der sechsmonatigen Wartezeit diagnostiziert wird, besteht kein Leistungsanspruch. Die Versicherung endet, und Sie erhalten Ihre bereits gezahlten Beiträge zurück.
Sind psychologische Betreuung oder Zweitmeinungen in den Getsurance Krebsversicherung Bedingungen abgedeckt?
Ja, die Bedingungen sehen eine Kostenübernahme für bis zu fünf psychotherapeutische Sitzungen und bis zu 100 Euro für digitale Selbstlerninhalte vor. Zudem wird Unterstützung bei der Organisation einer ärztlichen Zweitmeinung angeboten, wobei die Kosten der Zweitmeinung selbst nicht übernommen werden.
Welche Rolle spielt die TNM-Klassifikation in den Getsurance Bedingungen?
Die TNM-Klassifikation (Tumor, Nodus, Metastasen) wird zur Definition der Leistungspflicht bei bestimmten Krebsarten herangezogen, z.B. bei Schilddrüsenkrebs (mindestens T3), Prostatakrebs (mindestens T2) und Hautkrebs (malignes Melanom mindestens T2b).
Muss ich Getsurance informieren, wenn ich mit dem Rauchen anfange?
Ja, wenn Sie nach Vertragsabschluss mit dem Rauchen beginnen, müssen Sie dies Getsurance mitteilen. Dies stellt eine Gefahrerhöhung dar und kann zu einer Anpassung Ihres Beitrags führen.
Bis zu welchem Alter kann ich die Getsurance Krebsversicherung abschließen?
Das Mindesteintrittsalter beträgt 18 Jahre, das Höchsteintrittsalter 60 Jahre. Der Versicherungsschutz läuft maximal bis zum vollendeten 70. Lebensjahr.
