When cancer is no longer so rare, each person should actively build an effective backup financial plan to be ready to deal with them. Buying cancer insurance is an option worth considering because of its practical and attractive benefits.
What is cancer insurance?
Cancer insurance is a health insurance product that provides financial support related to cancer. When buying cancer insurance, if you accidentally contract cancer within the scope of the insurance policy, the insurance will pay the costs of treatment, hospitalization allowance, cancer death, etc. , share financial burden in time, so that patients can reduce their worries about hospital fees, raise their spirits and have peace of mind in treatment, and recover their health soon.
Currently, cancer insurance is provided by non-life insurance companies and life insurance companies. Each insurance product is designed with separate benefits, fees, and terms. If you’re planning to join for financial protection against this illness, you should take the time to find out.
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Why should you buy cancer insurance?
Cancer not only affects physical and mental health, but also brings financial worries to many families. There have been many cases where because of cancer, the family’s finances fell into poverty.
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The cost of treatment is very expensive without insurance support
In fact, the cost of treatment for a cancer case is not small, it can be tens of millions of dong or up to hundreds of millions of dong per month if it is treated abroad. In particular, cancer requires a very long treatment time, so without insurance support, the cost of treatment will be a huge financial burden for the family.
Cancer insurance offers many benefits
Another reason for you to consider buying cancer insurance early is that the insurance product offers a lot of benefits, to help you get through a difficult period and be motivated to treat your disease well. Those benefits include:
- Cancer insurance benefits: Timely financial support for participants to treat diseases at an early stage.
- Hospitalization benefit: Benefit when the insured has to undergo inpatient treatment after being diagnosed with cancer.
- Death benefit: The sum insured will be paid when the insured dies from cancer, in order to share part of the loss.
Can cancer insurance be purchased for cancer patients?
With practical benefits, cancer insurance is getting more and more attention. In particular, many people wonder if they can buy insurance for cancer patients?
In fact, at present, there are no specific regulations on diseases that are not covered by life insurance. However, not everyone can get insurance. Because, life insurance companies will base on health status, medical history to consider whether customers can participate in insurance or not. Each insurance company will have its own policies and exclusions, so to find out exactly whether to buy insurance for cancer patients, contact the insurance company’s consultant directly. dangerous to be answered.
Note, if you suffer from some serious diseases, the insurance will be denied immediately: kidney failure, HIV/AID, stroke, serious brain injury, terminal illness, terminal cancer.
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Should you buy cancer insurance when healthy?
Cancer is a dangerous disease, but the signs are often very faint, progressing silently, so it is difficult to detect. Today, with a modern lifestyle, high work intensity and an unreasonable diet, alcohol abuse, and a polluted environment… are factors that increase the risk of cancer.
Everyone is at risk for cancer and it is not known when it will happen. Therefore, building yourself a financial plan is very important to ensure that your finances do not fall into distress. Joining cancer insurance early is one of the ideal options that you can refer to.
Cancer insurance is an effective burden-sharing solution to help treat and overcome illness with peace of mind. So, don’t hesitate to join a cancer insurance plan for financial backup as soon as possible.
