It is activated in a few clicks and unlike other “stand-alone” insurance products dedicated to oncological diseases, it has three specific characteristics: it can be subscribed by filling out a questionnaire of only three questions online and without carrying out preliminary medical check-ups, it provides a premium of a fixed amount in the event of an adverse diagnosis up to five years from subscription (eliminating the obligation to submit requests for reimbursement of visits and hospitalizations) and offers the possibility of extending coverage to minor children.
The Axa BeLive policy, launched by Axa Partners and insurtech Neosurance in collaboration with Altroconsumo Connect, the insurance broker of Altroconsumo, therefore presents itself to Italian families with the first semi-parametric digital insurance label dedicated to cancer cases and with promise to significantly simplify access to compensation in the name of maximum privacy for the consumer.
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The solution, as the spokespersons of the companies involved explain, is aimed at the Altroconsumo community (over 350 thousand active members at the end of 2020) and guarantees activation in a few seconds thanks to the technology provided by Neosurance.
In the event that a malignant tumor is diagnosed, by presenting the related medical documentation, the policy recognizes a predefined indemnity that can be fully spent by the insured person freely. The payment of the premium, the amount of which depends on the insured capital (in denominations of 10 thousand, 20 thousand or 50 thousand euros) and on the age of the policyholder at the time of signing (as well as on the number of any minor children included in the contract), is not in fact, subject to the presentation of invoices relating to specialist visits or hospital admissions, but is carried out immediately and in a single solution, in correspondence with the verification of the diagnosis by the insurance company.
Furthermore, once the claim is ascertained, the insured will be entitled to a series of assistance services (health and other) for certain pathologies, including a specialist examination of the genome of cancerous cells aimed at deepening the diagnostic picture.