It's very hard to tell. I did have private hospital cover before diagnosis and it was very handy. But yes, you may be considered as having a pre-existing condition, which may preclude cover for anything deemed related. Which is the rub. I was hospitalised for a week with a serious infection caused by a seroma, the result of my mastectomy. Nothing really to do with cancer, but I was glad I didn't have to argue the toss. I have a couple of other long term side effects, and am not (surprise!) getting younger, so I have actually increased my cover. An honest tally of your risks and positives should help you identify if it's worth doing, also what public facilities are close at hand (country options are sadly not what they should be). Best wishes.