This depends on the terms and limitations of the cancer insurance policy. Each applicant may have to qualify to enroll in a policy by answering medical underwriting questions.
Connect with a licensed insurance agent at (888) 855-6837
Cancer Insurance
Get a Cancer Insurance Quote in Minutes from a licensed insurance agent at IHC Specialty Benefits!
Get a Free Cancer Insurance Quote in Minutes!
Get a Free Cancer Insurance Quote in Minutes!
Get a Cancer Insurance Quote in Minutes from a licensed insurance agent at IHC Specialty Benefits!
new cancer cases projected in 2023 per the American Cancer Society
deaths averted, due in part to advances in treatment since 1991, according to the American Cancer Society
of cancer patients incur medical debt in order to pay for cancer care, even with health insurance
What costs do cancer insurance cover?
Cancer insurance benefits, or supplemental cancer insurance benefits, provide a cash benefit if you are diagnosed with or treated for cancer. Coverage depends on the product. Cancer insurance is designed to help cover medical and non-medical expenses that traditional health insurance may not cover.
Expenses Cancer Insurance Benefits Can Be Used To Cover
- Cancer screening
- Initial diagnosis
- Chemotherapy
- Hospitalization
- Surgery/anesthesia
- Prosthesis
- Home health care
- Transportation by ambulance
- Skilled nursing and rehabilitation care
Your Policy May Not Provide Benefits For
- Any diagnosis or treatment outside the United States or its territories
- Any diagnosis or treatment you may have received prior to the effective date of the policy
- Non-cancer related diagnosis or treatment
- Types of cancers not included in your specific policy’s coverage
- Cancers occurring prior to the purchase of the policy
Pros and Cons of Cancer Insurance Plans
- Provides benefits for expenses that are often the out-of-pocket responsibility of health insurance beneficiaries, like deductibles, coinsurance, copays and more.
- Lump-sum payment of benefits is made to the insured to use as they see fit.
- Apply anytime for a policy.
- Not intended as replacement for health insurance.
- Not guaranteed-issue, medical questions may be included on the insurance application
- The cost of a plan premium may depend on factors like location, age, gender, and other factors
Frequently Asked Questions Regarding Cancer Insurance
Can I buy cancer insurance if I already had or have cancer? 
Can I purchase a cancer insurance plan to include my children?
In many cases, you can include dependent children on your cancer insurance plan.
How long can I keep a cancer insurance plan?
Depending on the insurance carrier, as long as you pay your premium and you remain eligible, your policy should remain active until you terminate coverage.
How do I apply for cancer insurance?
You may apply directly through an insurance company website or seek the assistance of a licensed health insurance agent.
Cancer Insurance Resources
Save MoneyHave a Surprise Medical Bill? Here’s How to Negotiate, Dispute and Prevent
Accidental Falls – How to Reduce Your Risk + Cover Medical Costs
Health Insurance Alternatives to ACA Coverage
Have Questions? Speak to an Agent
Speak to a licensed health insurance agent during business hours for help understanding your options and enrolling in coverage.