Some people find that their claim is rejected because their illness is not considered serious enough, in other words not a cancer that will stand to kill you soon, a slower growing or other type of cancer not considered critical.  The folks in the UK with supplemental insurance appear to be facing some of the same issues we have here, and some drugs are not offered by the NHS, but at least they have a NHS.  BD 

Many health insurance customers have been shocked to find out when they are diagnosed with cancer that their health insurance policy does not cover them. Cancer was recently named as one of the biggest health worries of British people by private health insurance provider Bupa. And it could become an even bigger worry for cancer sufferers if their health insurance company refuses to pay out.

Often, expensive licensed drugs which may improve your condition can be made available if you have private health insurance, whereas those particular drugs may not have been offered to you on the NHS.

Health insurers may not pay out for cancer - Only Finance.com

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