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What is cancer insurance?

Cancer insurance conceptually is very simple. Benefits are paid directly to you regardless of any other insurance you may have. You can then use the benefits to help pay for all of the extra costs associated with your cancer treatment. Cancer insurance policies supplement existing health insurance policies or income.

Why purchase cancer insurance?

The National Institute of Health estimates the overall costs of cancer in 2007 in the United States was $219.2 billion. Of that, $89.0 billion was due to medical costs and $18.2 billion was due to lost productivity costs.

Cancer treatment costs present a significant financial burden for almost all patients. Even if the patient has health insurance, there will most likely be deductibles, co-pays, and annual or lifetime caps to pay.

There are medical and non-medical expenses associated with cancer. Examples of medical expenses are physician and hospital charges, medications, surgery, and treatment costs. Examples of non-medical expenses are loss of income, transportation, lodging, child care, and increased living expenses. Most health insurance plans cover only the medical expenses associated with cancer.  Cancer insurance benefits can be used for your medical and non-medical expenses.

What are the risks of cancer?

According to the American Cancer Society, it is estimated that 1,437,180 new cancer cases will occur in the United States in 2008. Men have a 1 in 2 chance and women have a 1 in 3 chance of developing cancer.

Cancer risk increases with age. 77% of all cancers occur in individuals age 55 and older.

Cancer is the second leading cause of death in adults, after heart disease.

Cancer is the second leading cause of death in children, after accidents.

What is the survival rate of cancer?

Approximately 9.6 million Americans with prior cancer were alive in 2000 according to the National Cancer Institute.

The 5 year survival rate for all cancers combined is 63%.

Call today for your free quote on your Cancer Policy.


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