This cover has come in for repeated criticism in recent years as many consumers have complained that insurers rely on complex medical definitions to decide who does and does not get a payout. To be fair to insurers, most have clearly listed the exact nature of the conditions covered in the policy terms and conditions. But to the average healthy consumer, terms such as "in situ carcinoma" or "pre-malignant or non-invasive cancer" are nearly meaningless. Most simply assume that if they have bought a policy it will pay out if they have cancer.