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What is cancer insurance and is it right for you?

This type of plan might not be for everyone but what it does offer just might be what you’re looking for. There are always high out of pocket medical expenses related to any critical illness or accident, cancer insurance will help fill in these gaps and in turn will protect your financial well being – all at a low cost!

Who needs cancer insurance the most?

People who have a family history.
Smokers or ex-smokers
When you come to an age that annual cancer screenings are suggested.

Helping to understand some insurance terms and how it works…

This is a unique plan that has options like wellness benefits, return premium rider, ICU coverage for any accident or illness and of course – it pays you in the event of ever being diagnosed with cancer. This money can be used as you see fit, maybe help pay the medical bills, mortgage, car payments, etc. It doesn’t matter what your health insurance is paying for, this plan pays you, so its like saving for a rainy day without the “saving” part.

When shopping for cancer insurance you may have heard it referred to as critical illness insurance or supplemental health insurance. It kind of makes sense when you think about it, cancer is considered to be a critical illness and it’s not traditional health coverage – it will help supplemental your family with money that comes from set benefit amounts within your policy.

What to expect on our site…

An in depth look at what this type of plan will cover, online quotes and most frequently asked questions about supplement health insurance.

In a nutshell…

Cancer insurance is having a check in the mail when you need it most.
Easy to apply for online or with an agent.
Allows more freedom in health care options.
Gives your family peace of mind at an affordable price.

Here at Cancer Insurance Info we offer easy online quotes from top insurance companies! We also list sample cancer benefits (a resource hard to find) and monthly updates on cancer related subjects. Supplemental health plans like cancer insurance is and has remained a mystery for most! To help simplify we have narrowed down 3 things to consider…

One...

First, look for a plan that has wellness benefits. This unique feature pays you to get an annual cancer screening - a huge perk! But shop this, many only offer one screening, while some offer up to three annual cancer screenings! This money back into your pocket feature makes this one of the cheapest insurance policies you'll ever have!

Two...

Secondly, be aware of the return premium rider. Some people will try to sell you on this option but ask about the restrictions first. This rider costs money to have, plus you have to wait until a certain age or time (20 yrs or more) and it's usually your money paid back LESS claims. So if you're getting your money back every year from your cancer screenings/wellness benefits then your pay out down the road is considerably less.

Three...

Third, look for a plan that'll give you coverage for accidents too - An All In One Policy! Some companies will say they'll give you coverage for any accident or illness but it turns into double the policies which make for double the rates! Plans like Allstate's lets you add on coverage (a rider) for being in the intensive care unit for just pennies a month. Each state is different so make sure to ask your agent about these options. Getting more for your money helps!