I have heard just about all of the arguments regarding cancer insurance that there are. I have heard:
1 – It’s not necessary. The premise here is that people feel very comfortable with having their particular health insurance cover the majority of the cost associated with if someone contracts cancer in some shape or form. The reality is that their health coverage does cover most of the medical expenses involved, but how about the loss of income due to treatments plus surgeries? Who is covering that situation? A cancer policy can help maintain money coming in while the person with all the cancer concentrates on getting better and not worrying about money and paying their expenses.
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2 – I’ll never get cancer. The people that say this particular are not paying attention to their surroundings. Probably someone reading this right now knows somebody who is undergoing a cancer fight right now or knows someone who has maybe even been beaten by malignancy and passed away. The stats are usually 1 in every 2 guys and 1 in 3 females will get some form in their lifetime. Even though you never contract a cancer, numerous policies will at least pay a person some premium back per year via a Wellness Screening benefit that could pay for a yearly exam or some kind that also predetermines cancer intended for early detection. Piece of mind is definitely priceless, am I right?
three or more – It’s too expensive. Usually individuals who say this have never actually 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 I actually 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 guidelines do not even ask if you smoke cigarettes or not. The reason they do not is because if 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, water to drink that has been sitting in your car in a plastic bottle, etc). Since there are a lot of factors and “free radicals” on the market to attack your system and possibly cause cancer, most policies are only concerned that you are not currently going through treatment.
5 – I have got cancer in the past. While we are honestly 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 obtain cancer insurance. Many cancer procedures are available to people with a history of malignancy as long as the cancer has been in remission and untreated for 5 years. Most carriers consider you “out of the woods” by then and will gladly 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 disagreement 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 they all tell me they do not know what they will have done without it and the help it provided.