| What It Is |
Cancer Insurance has become a very popular form of insurance. Unlike most forms of health insurance, cancer insurance pays benefits directly to you and pays in addition to any other insurance you may have. You do not have to have health insurance to have cancer insurance. However, even if you do have health insurance, you can still spend this money on whatever you like, even if your health insurance also covered the expense. This is important, because when you have cancer, there are many unexpected expenses your heath insurance does not cover. |
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| Why It Is So Important |
On average, only about two-thirds of the cost of cancer are for the treatment of cancer. Lost work, transportation costs, home health care, daycare of children when a parent has cancer, and other indirectly related costs consist of the other third. Health insurance does not cover this third of the expense of cancer. Further, health insurance has deductibles and copayments which must be paid out of pocket. All of this uncovered expense leaves a big gap in protection from the devastating costs of treating cancer. Cancer insurance fills this gap that health insurance leaves open. |
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| Plan Highlights |
- First-Occurrence Benefit that pays a Large Lump Sum
- Hospital Confinement Benefit that pays for each day you are in the hospital
- Radiation and Chemotherapy Benefit
- Experimental treatment Benefit including stem cell therapy
- Cancer Screening Wellness Benefit that pays a lump sum for mammograms, pap-smears, PSA tests and more types of test to detect cancer
- Surgical/Anesthesia Benefit
- NCI Evaluation & Consultation Benefit as well as transportation benefits
- Home Health Care Benefits
Plus... much more. Best of all, if your health insurance pays for these treatments as well, you still get to keep the money!
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| Eligibility |
Regardless of your family history of cancer you are still most likely eligible for cancer insurance. Even smokers can usually get cancer insurance. There are no medical exams to take. Further, your entire family can be covered by cancer insurance. |
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| Facts About Cancer |
- About 1,321,800 new cancer cases were expected to be diagnosed in 2003.
- In the United States, men have a 1-in-2 lifetime risk of developing cancer; woman a 1-in-3 risk.
- Cancer ranks second only to heart disease as the leading cause of death in this country.
- The five year relative survival rate for screen-accessible cancer is about 81% -- which could increase to more than 95% if all Americans participate in cancer screening
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