There are heard just about all of the arguments about cancer insurance that there are. I have noticed:
1 – It’s not necessary.
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The premise the following is that people feel very comfortable with having their 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 how about the loss of income due to treatments and surgeries? Who is covering that circumstance? A cancer policy can help maintain money coming in while the person with all the cancer concentrates on getting better and not considering money and paying their expenses.
2 – I’ll never get cancer. The people that say this are not paying attention to their surroundings. Chances are that someone reading this right now knows someone who is undergoing a cancer fight right now or knows someone who has maybe even been beaten by cancer and passed away. The stats are usually 1 in every 2 guys plus 1 in 3 females will get some form in their lifetime. Even if you never contract a cancer, a lot of policies will at least pay you some premium back per year by way of a Wellness Screening benefit that could pay money for a yearly exam or some sort that also predetermines cancer with regard to early detection. Piece of mind is priceless, am I right?
3 or more – It’s too expensive. Usually the folks who say this have never actually priced cancer insurance. For less than the cost of a large drink per day at your favorite 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 the other. The truth is, most cancer insurance policies 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 in the plastic bottle, etc). Since there are so many factors and “free radicals” available to attack your system and potentially cause cancer, most policies are just concerned that you are not currently going through treatment.
5 – I have got cancer in the past. While we are sincerely sorry you have had to go through the trauma of having cancer in the past that does not always negate you from being able to acquire cancer insurance. Many cancer insurance policies are available to people with a history of malignancy 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 gladly insure you… and I am sure right 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 cancer policies who went through a malignancy diagnosis, surgery and treatment they all tell me they do not know what they would have done without it and the help it provided.