I'd also check out the Australian Human Rights Commission website section on insurance http://www.hreoc.gov.au/disability_rights/insurance.htm in relation to disability discrimination. Cases and conciliations seem to confirm the below. My understanding is that most insurance including TPI and income protection won't cover pre existing medical conditions but should cover unrelated future conditions and situations, ie being hit by the proverbial bus. But one has to be honest about everything when asked, say in their questionnaire, ie past any condition to ensure the insurance is valid. However some insurance cover will still cover cancer. For example a past work place I worked at where their superannuation also offered TPI and income protection they actually did not ask questions about pre existing conditions and did cover claims. Their rationale was that the organisation was large with 14,000 employees of working age (15-65) which statistically this population in general has a low level of disability (10%) and thus the risk of covering an employee with a pre existing condition was was spread over a large range of low risk employees. There was also a 3 month wait for income protection to kick in and many conditions although serious are too short term ie heart bypass, minor heart attack, even major surgery without ongoing complications or treatment where most are back at work after 3 months. Cheers DJ ... View more

Hey Journey We are having weird weather here, i was frozen yesterday and last nigt. Think having just finished treatment doesnt help in that regard. Looks like today is going to be a little warmer. Hope you have managed to stay out of the heat. :) Each cancer does have its unique differences although the basis of what we all go through is pretty similar. Course you have to add different personalities etc... into that. I did shave my hair off completely and have had a number 1 twice since then. My problem is that i didnt lose all of it, so am trying to keep the bits i didnt lose to the length of the bits i did lose. I need to have a number 4 again just to tidy it up. I cant do that till my skin on my neck heals up a bit. Has turned a bit for the worse and today i must go back to see the doc again. Sorry to hear of your unplanned surgery and hope that you are feeling ok after it. Its good to have a break between treatments, just to get our heads around stuff and give our bodies a break. Well, i hope you are having a great start to your w/e. I am off to buy some milk. haha take care Julie ... View more