Cancer survivors don’t get an “all clear”. They get a “no evidence of disease”. I’m not sure when insurance companies are meant to start counting from.
As I said above, I think insurance companies should be allowed to factor in all risk. In my case I’ve a 100% loading because I had a minor brain haemorrhage about 10 years ago and my other half has cancer. I don’t see why other people should have to subsidies us because of that. I’m also glad that they adjust for smoking. It’s just a pity that they don’t adjust for obesity and other lifestyle diseases.