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!
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.