Private cover

Private cover

If you are privately medically insured and have been diagnosed with cancer many healthcare insurance companies are likely to pay for genetic testing. Insurance coverage varies depending on the company. Please see below the genetic testing criteria.

Unfortunately, insurance companies are extremely unlikely to cover the cost of genetic testing for healthy individuals. For this reason genetic counselling and testing will have to be paid for privately.

Insurance company referral criteria:

• Women who are being treated for breast cancer and meet one of the following criteria:
• One first-degree female relative diagnosed with breast cancer at younger than age 40 years,
• One first-degree male relative diagnosed with breast cancer at any age,
• One first-degree relative with bilateral breast cancer (first primary diagnosed <50)
• Two first-degree relatives, or one first-degree and one second degree relative, diagnosed with breast cancer at any age
• One first-degree or second-degree relative diagnosed with breast cancer at any age and one first-degree or second-degree relative diagnosed with ovarian cancer at any age (one of these should be a first-degree relative)
• Three first-degree or second-degree relatives diagnosed with breast cancer

Where an insurance company is expected to cover genetic counselling and testing, GeneHealth UK will only charge the client’s payment card if the insurance company has not provided pre-authorisation number within 2 weeks after Initial Consultation. If the pre-authorisation number is provided later on GeneHealth UK will reimburse the client for the services the client has paid for. In case the insurance company, after being presented with the correctly completed invoice by GeneHealth UK, does not pay, GeneHealth UK reserves the right to charge the client for genetic services delivered.