Pulse is proud to announce the launch of a groundbreaking new cancer scheme.

This innovative product goes beyond traditional critical illness and cancer cover by offering a comprehensive support package alongside a financial lumpsum payout for 95% of cancers.

Key features of the scheme include:

• Financial Security: A lump sum pay-out upon first diagnosis for 95% of cancers.
• Dedicated Care Plan: Access to a personalised cancer care plan, providing support and guidance through both the NHS and private cancer pathways.
• Unparalleled Support: Up to 16 hours of emotional and practical support from a dedicated cancer nurse and cancer support manager
• Preventative Focus: Pre-diagnosis support to guide policyholders to make healthy lifestyle choices which may prevent cancer, as well as providing awareness of symptoms that could need investigating.

The cancer scheme targets the younger working-age population, a demographic often underinsured for critical illness. Alarmingly, cancer diagnoses among those in their 30s and 40s have risen sharply, highlighting the critical need for this product. Since the early 1990s, cancer rates in people aged 25-49 have risen by more than a fifth (22%).  Cancer Research UK estimates that 1 in 2 people will be diagnosed with cancer in their lifetime and cancer will cause one in four deaths in the UK by 2030.

Ben Broom, Head of Pulse Clarity Pulse, comments: “Traditionally people have tended to consider policies like critical illness and life insurance when they first take out a mortgage, but the rising average age of first time buyer homeownership in the UK means fewer people discuss these critical covers early, leaving them vulnerable, especially against the backdrop of lengthy NHS waiting lists and regional variations in cancer treatment. There is a clear and urgent need for this product.  Rokstone is a true expert in the medical underwriting sphere with vast knowledge and the size and scale to be a formidable partner for this launch.  We’re delighted to be partnering with them and Reframe Cancer to launch this scheme.”

Reframe Cancer, the scheme provider, has a rich history of delivering cancer support services to employers of all sizes. This personalised, patient centric service across the cancer pathway is delivered by cancer nurse specialists and designed to expedite diagnosis and aid treatment to deliver better outcomes.

Aventum, Rokstone’s parent group, has successfully trialled the scheme with its own 500+ employees, proving its effectiveness, and the scheme is now being launched nationwide.

The scheme’s support package and pre-diagnosis prevention is particularly significant. Cancer Research indicates that up to 40% of cancers are preventable, highlighting the importance of prevention awareness and education on healthy lifestyle choices as a key benefit of the scheme.

Pulse chose to partner with Rokstone due to their extensive experience within healthcare insurance and their access to market-leading capacity arrangements from A-rated insurers.  Incorporating Accident, Health and Travel, Rokstone’s A&H division has a broad appetite internationally across both Commercial and Retail arenas.  It is led by Darren Delande and Hywel Jones, undeniably two of the most experienced and knowledgeable underwriters in this area of the market.

Darren Delande, Head of Rokstone A&H, comments: “A&H has been a difficult market for brokers in recent years with a severe lack of capacity and limited underwriters who are true specialists.  We give brokers that expertise, backed by a global, successful, data led MGA with a sterling reputation.  We’re proud and delighted to play our part in bringing this vital scheme to market.”

Mark Stephenson, CEO Reframe, comments: “Over the past decade, we’ve built a reputation for developing best-in-class cancer navigation and support solutions for the insurance and employer sectors. Our latest collaboration with Pulse Insurance leverages this expertise to deliver a groundbreaking insurance solution and we’re thrilled to partner with them on this ambitious journey.”

To find out more contact our team of experts to guide you through the options to find the perfect coverage for your specific requirements.