There are many forms of cancer but one can subscribe for cancer insurance which is a general cover that applies for all cancers. Mostly victims of cancer or those with high risk of cancer go for supplemental health insurance which is an additional insurance for support during treatment.There are many forms of cancer but one can subscribe for cancer insurance which is a general cover that applies for all cancers. Mostly victims of cancer or those with high risk of cancer go for supplemental health insurance which is an additional insurance for support during treatment. The research on cancer is yielding results that have enhanced treatment methods and therefore has already affected cancer insurance premiums for certain cancers and certain groups. The change in lifestyles such as smoking habits and other causes of cancer have also had the same effect. However , reported occurrence of some cancer types is still on the rise mainly those affecting men. Needless to say , early detection gets to save a lot on cancer insurance by taking measures and early treatment that avoid the need for critical illness insurance.Statistically , chances of developing cancer increases with age with over 77% of cases occurring to those over the age of 55. Also , it is more prevalent in men with a chance of 1 in 2 as compared to 1 in 3 for women. This makes cancer insurance premiums higher in those brackets but with the ongoing sensitization we hope to see a change in the statistics in coming years pushing the ages of prevalence further down. Having cancer insurance seems to be related early detection or screening such as mammograms. Twice as many people who have been screened have insurance. Poor access to cancer insurance has also been noted to be caused by racial disparity. Not having insurance means increased risk of death within 5 years by 1.6 times more than those who are insured. The insurance premium figures change yearly and even with the budgetary constraints in the wake of the recovering economy cancer insurance policies are being outlined more and more in favor of cancer victims. Due to the exhausting nature of cancer treatment , it is in the best interest of cancer patients to apply for supplemental health insurance. The benefits of supplemental health insurance are deductibles and loss of income compensation. They are applicable during cancer treatment and cover transportation , car and utility , lodging , household assistance and childcare. The treatment charges themselves are out of pocket for the patients or paid through other cancer insurance taken.The American Cancer Society is concerned with issues facing all cancer sufferers and one can get information on cancer insurance and supplemental health insurance for cancer. One can learn a lot from the advice and opportunity of this forum and make decisions on cancer insurance based on regular updates given on research that links insurance to survival rates. Further information can be got from the National Institute of Health. Regarding critical illness insurance , it is only considered in cases with 30 day survival rates from the date of diagnosis. The insurer may accept monthly premium payment or a lump some payment. Different insurers have different policy benefits for both critical illness insurance and supplemental health insurance. Policy holders should go through a broad range of insurers to check which benefits are best suited for them.
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