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Cancer Insurance: How to Evaluate If You Need Insurance for Cancer

Updated on September 11, 2012
Get on the path to learning about Cancer insurance
Get on the path to learning about Cancer insurance | Source

Evaluating the Need For Cancer Insurance

In a world with rising medical costs and expensive medicines, cancer insurance has become an option to help pay for the costs associated with treating cancer. This article will explain what cancer insurance is, how it compares to regular health insurance, and other things to consider before buying insurance for cancer.

What is Cancer Insurance?

Cancer insurance is a relatively new insurance that offers coverage specifically for cancer related medical expenses. It is meant to provide additional coverage beyond that of regular healthcare insurance.

Cancer Insurance policies generally provide coverage for most expenses related to cancer treatment including surgery, radiation therapy and hospital stays.

If you are interested in learning more about evaluating your need for cancer insurance or are simply looking for information, keep reading.

How Does Cancer Insurance Compare to Regular Health Insurance?

It is important to recognize that insurance for cancer is not a substitute for regular health insurance but rather a complement to it. Cancer insurance provides extra coverage that regular insurance might not completely cover.

Insurance Comparison: Cost

Cancer insurance is typically much less expensive than regular health insurance simply because it specifically covers only cancer. For the potential coverage, it can be cost effective to consider cancer insurance.

Insurance Comparison: Coverage

Health insurance provides coverage for a wide variety of medical expenses, including cancer, but cancer insurance adds more coverage relating to all the expenses involved in cancer treatment. Sometimes the medical expenses for treating cancer can go beyond the coverage offered by regular health insurance. In these situations cancer insurance provides the extra coverage keeping you from spending thousands on important treatments.

Insurance Comparison: Can they Coexist

When Comparing Cancer insurance to health insurance, specifically look and make sure the two policies can complement each other and do not exclude. Some insurance policies have peculiar exclusions that make it useless to have both cancer and health insurance. Always check that both will provide coverage and will coexist together.

Nervous about Cancer Insurance? Don't Be!
Nervous about Cancer Insurance? Don't Be! | Source

What to Consider When Looking for Cancer Insurance

Here are a few things one should keep in mind when looking for cancer insurance. These may be more factors that are specific to your situation and these are meant to be a basic outline in guiding your consideration and decision making when looking for insurance.

Read the Details – this is vital when considering cancer insurance. Read the details, and then read them again. Make sure you understand what the cancer insurance will cover compared to your regular health insurance. Make sure the two will complement each other and do not exclude each other. Look for hidden costs or anything the cancer insurance does not cover. Look at limitations in coverage and specific dollar amounts for various procedures and expenses. Don’t buy cancer insurance if you do not know what you are getting.

Evaluate the Cost – although cancer insurance is generally less expensive than health insurance, it still costs money. When considering your options, evaluate the actual cost to you of cancer insurance and if you have the means to pay for it versus the likelihood of getting cancer. If cost of cancer insurance is much easier to pay for than the chance of expensive medical bills, than it might be right for you.

Are You at Risk – certain people are more at risk of cancer than others. There are a few factors that affect this including age and family history. Cancer is more likely to occur in people 55 and older and those who have a history of cancer in their family. If you fit these criteria, cancer insurance may be beneficial to you.

Upgrading Current Health Insurance – Instead of buying cancer insurance, it may be more beneficial for some to simply upgrade their current health insurance. This may be most beneficial for those who are less likely to need cancer treatment or have other important health concerns. As always, carefully look at the costs and benefits of upgrading or changing your current health insurance plan.

Most People Actually Do Not Need It – the reality about cancer insurance is that for many people, it is not necessary. Cancer insurance provides specific coverage for those who become diagnosed with cancer. Most regular health insurance plans will actually cover some or most of the costs. Be sure to check your current policy and evaluate if you actually need the extra coverage cancer insurance will provide.

Limitations on Cancer Insurance – it is important to note that most if not all cancer insurance plans do not cover those who are currently in need of cancer treatment. It is only available to those who think they may need the coverage if they happen to get cancer in the future. If you currently have cancer, or have had it in the past, you may not be able to get insurance for cancer.

The Bottom Line About Cancer Insurance

Cancer insurance is not for everyone, but in some situations it can be very useful and beneficial. It is important for you to evaluate your own situation, research and seek advice from others if you think you might benefit from cancer insurance.

Note: This article is written to help increase awareness and provide information but should not be taken as final advice for whether or not to buy cancer insurance. You should consider your situation and talk with your medical professional and/or family and friends before making any decision.


Submit a Comment
  • internpete profile imageAUTHOR

    Peter V 

    6 years ago from At the Beach in Florida

    dwachira - Yes, It is always important to read the details and the more information the better. My hope is that this will provide information and questions for people who might be looking into different types of insurance. Thanks for your comment and share!

  • dwachira profile image

    [ Danson Wachira ] 

    6 years ago from Nairobi, Kenya

    Most of clients do not really pay attention to what details is included in their insurance agreement and this brings a lot of issues when a problem arise. I see Cancer problem becoming more common and although there is a lot of research already done and in progress, it is important to take precautions such as insurance. Am glad you pointed out this. Great article, voted up, useful and shared.


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