There are heard just about all of the arguments about cancer insurance that there are. I have heard:
1 – It’s not necessary. The premise the following is that people feel very comfortable with having their particular health insurance cover the majority of the cost connected with if someone contracts cancer in certain shape or form. The reality is that their health coverage does cover most of the medical expenses involved, but what about the loss of income due to treatments plus surgeries? Who is covering that circumstance? A cancer policy can help maintain money coming in while the person using the cancer concentrates on getting better and not worrying about money and paying their expenses.
2 – I’ll never obtain cancer. The people that say this are not paying attention to their surroundings. Probably someone reading this right now knows someone that is undergoing a cancer battle right now or knows someone who has maybe even been beaten by cancer and passed away. The stats are 1 in every 2 guys and 1 in 3 females will get some form in their lifetime. Even though you never contract a cancer, several policies will at least pay you some premium back per year by way of a Wellness Screening benefit that could buy a yearly exam or some kind that also predetermines cancer intended for early detection. Piece of mind will be priceless, am I right?
3 or more – It’s too expensive. Usually the individuals who say this have never really priced cancer insurance. For less than the price of a large drink per day at your preferred eating establishment, you can cover your entire family with cancer insurance. Water is better for you anyway.
4 – You won’t insure me because We smoke. While the smoker may be in a greater risk for some things, there is absolutely no real increased risk one way or maybe the other. The truth is, most cancer plans do not even ask if you smoke cigarettes or not. The reason they do not is because when they did, they would have to ask you all those other questions about what you did or did not do that are also “rumored” top cause cancer (using a cell phone, eating certain foods, moving water that has been sitting in your car inside a plastic bottle, etc). Since there are a lot of factors and “free radicals” available to attack your system and possibly cause cancer, most policies are just concerned that you are not currently going through treatment.
5 – I have had cancer in the past. While we are truly sorry you have had to go through the trauma of having cancer in the past that does not necessarily negate you from being able to acquire cancer insurance. Many cancer plans are available to people with a history of malignancy as long as the cancer has been in remission and untreated for 5 years.
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Most carriers consider you “out of the woods” by then and will happily insure you… and I am sure after what you experienced the first time through it you would jump at the chance to get some help.
You can make up whatever debate you want to, but the reality is that everybody needs to consider what a cancer policy can do for him or her. I know that whenever I sit with people who have malignancy policies who went through a malignancy diagnosis, surgery and treatment that they all tell me they do not know what they would have done without it and the help it to provided.