皮膚癌是否影響人壽保險？
皮膚癌是否影響人壽保險？
 Basal cell carcinoma has little to no effect on life insurance rates, especially if it has been frozen or surgically removed by a dermatologist or other doctor. Squamous cell carcinoma will have more effect on life insurance rates, and the treatment must be effective (a free margin of healthy tissue surrounding where the cancer was) before a medically underwritten policy will be approved. Melanoma is the most serious form of skin cancer, but can often be covered after a period of a year or more. This is especially true if the melanoma was stage 0 to 2. A "flat extra" might be charged for a set number of years. This extra charge drops off after those years have passed, whether the melanoma recurred or not. For more advanced cases of melanoma, there are some No Exam policies that can be purchased a year or two after the last cancer treatment, or "guaranteed issue" policies that have no health requirements but have rather narrow age restrictions.
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