Our expert says:
You should look to take out some dread disease cover(also known as severe illness) through an insurance company. It is unlikely that your family history will prejudice you but let the underwriters decide that - make sure you disclose everything when you apply (you dont have to accept the cover if it is not what you want) and also make sure that it will cover you for breast cancer. You could also look at "gap cover" but this only pays the difference between what your med aid pays and the actual hospital bills - not sure if it will cover for chemo but ask the insurance broker to check on this.
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