subject: Your Versatile Cancer Insurance Policy [print this page] You need an insurance policy that cooperates with your individual needs. Traditional health insurance can be incredibly rigid and inflexible, with long lists of rules and regulations about what the carrier will (and will not) pay for. Cancer can be an even more difficult disease if you are trying to deal with the endless policy regulations of traditional insurance. You need a flexible, versatile insurance policy that can adapt to your individual health and budget needs. Thats one reason why a supplemental cancer policy is such a great idea.
In the first place, a cancer policy covers pretty much every type of cancer you can think of. As long as its some variety of invasive, internal cancer, you should be able to collect your benefit money. Malignant melanoma (skin cancer) is usually covered too, though benign (non-cancerous) skin mole and tumors are not. Here are just a few of the common (and not-so-common) cancers your cancer insurance policy covers:
Breast cancer
Bladder cancer
Multiple myeloma
Pancreatic cancer
Lung cancer
Prostate cancer
Ovarian cancer
Head & neck cancers
Osteomyosarcoma
Brain cancer
Your supplemental insurance policy is also incredibly adaptable in the benefit department. Cancer costs come in two packages: direct costs and indirect costs. The direct costs are the immediately obvious medical costs of cancer: they involve insurance co-pays and deductibles, hospital bills and fees, surgery, chemotherapy, radiation, etc. Your current health insurance will pay for some of these expenses, but not all of them.
The indirect costs of cancer start after you get back from the hospital, and they make up the greater part of cancer-related expenses. Indirect costs may include home therapy treatments, transport, food, clothing, rent, and the other expenses of life all much more costly for cancer patients struggling with reduced income or lack of employment. Unfortunately, your health insurance will not lay for any of these costs but your supplemental cancer policy will.
Your cancer insurance policy provides a lump sum benefit upon first diagnosis of cancer and you can use that money for whatever you like. The flexibility of a cancer insurance payout extends in all directions there are no restrictions on how you use that money. You can pay for direct costs of your illness, including surgery, anesthesia, chemotherapy or any of the costs your current health insurance does not cover. You can also use the money for the expenses of everyday life (when youre taking out a cancer insurance policy, we recommend you choose a benefit amount thats equal to approximately two years worth of your mortgage payments). Since the money is absolutely yours, with no strings attached, you can even use it for non-cancer-related expenses like a new car or a family vacation. Its completely up to you.
If you think you would benefit from the adaptability of a cancer insurance policy, compare top-rated policies and carriers on CancerPlans.com. Youll find a wide variety of cancer policies that are tailored specifically for your age, health condition and location.
by: cancerplans
welcome to Insurances.net (https://www.insurances.net)
