I possess heard just about all of the arguments regarding 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 health insurance cover the majority of the cost associated 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 and surgeries? Who is covering that situation? A cancer policy can help keep money coming in while the person with all the cancer concentrates on getting better and not considering money and paying their bills.
2 – I’ll never get cancer. The people that say this particular are not paying attention to their surroundings. Chances are that someone reading this right now knows somebody who is undergoing a cancer fight right now or knows someone who has probably even been beaten by malignancy and passed away.
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The stats are 1 in every 2 guys and 1 in 3 females can get some form in their lifetime. Even if 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 pay for a yearly exam or some sort that also predetermines cancer for early detection. Piece of mind will be priceless, am I right?
a few – It’s too expensive. Usually individuals who say this have never actually priced cancer insurance. For less than the cost of a large drink per day at your preferred eating establishment, you can cover your entire family with cancer insurance. Drinking water is better for you anyway.
4 – You won’t insure me because We smoke. While the smoker may be at a greater risk for some things, there is absolutely no real increased risk one way or the other. The truth is, most cancer insurance policies do not even ask if you smoke 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 have also been “rumored” top cause cancer (using a cell phone, eating certain foods, water that has been sitting in your car inside a plastic bottle, etc). Since there are a lot of factors and “free radicals” out there to attack your system and possibly cause cancer, most policies are just concerned that you are not currently undergoing treatment.
5 – I have had cancer in the past. While we are genuinely sorry you have had to go through the injury of having cancer in the past that does not always negate you from being able to acquire cancer insurance. Many cancer plans are available to people with a history of cancer as long as the cancer has been in remission and untreated for 5 many years. Most carriers consider you “out of the woods” by then and will happily insure you… and I am sure right after what you experienced the first time through it you would jump at the chance to acquire some help.
You can make up whatever discussion you want to, but the reality is that everybody needs to consider what a cancer plan can do for him or her. I know that when I sit with people who have cancer policies who went through a cancer diagnosis, surgery and treatment they all tell me they do not know what they would have done without it and the help it provided.