When cancer occurs, income goes down and expenses always go up!

Most people use our benefits to help pay for indirect costs such as: Lost Income, Living Expenses, Insurance Limitations, and Out-of-Pocket Expenses.

• Benefits are paid regardless of any other coverage
• Pays directly to you
• Pays regardless of what other insurance pays
• No physical exam required
• Use your own doctor or hospital
• Your whole family can be covered
• Benefits paid when you're not hospitalized

Why Cancer Insurance?

DON'T WAIT! Over 1.3 million new cancer cases are expected to be diagnosed in 2006 alone*

In the US, men have slightly less than a 1 in 2 lifetime risk of developing cancer; for women, the risk is a little more than 1 in 3.*

What are the costs of cancer?
The overall cost for cancer in 2005 was $209.9 billion:
$74 billion for direct medical costs
$135.9 billion for indirect costs*

Who is at risk of developing cancer?
Anyone can develop cancer.*
 

The Cancer Insurance Indemnity product provides industry leading coverage
including benefits for :

1. Radiation and Chemotherapy
2. Surgery & Anesthesia
3. Second & Third Surgical Opinions
4. Blood & Plasma
5. Experimental Treatment
6. Prosthesis
7. Transportation
8. Daily Hospital Confinement
9. Private Nurse
10. Physician
11. Ambulance
12. Family Lodging & Transportation
13. U.S. Government Hospital
14. Extended Care Facility
15. Home Health Care
16. Hospice Care
17. Wavier of Premium
18. Wellness Benefit
19. Diagnostic Test
20. Annual Checkup

The Importance of Early Detection

The good news is that regular screenings by a health care professional are effective at early detection of many types of cancer including breast, colon, cervical and prostate. Early detection helps increase your chances of survival. Likewise, if detected early, the treatment may not be as intense or costly.

Early detection is key. Numerous studies have shown that early detection saves lives and increases treatment options. We offer an annual wellness benefit. You don't have to be diagnosed with cancer in order to receive this benefit from your plan.

• First Occurrence Benefit - you may choose a benefit of $5,000 for each covered person that is diagnosed as having internal cancer
• Dread Disease Benefit - pays $200 per day up to $100,000 per person for hospital confinement for 30 diseases covered, other than cancer
• Intensive Care Benefit - pays $600 (or $450 or $300 per day, depending on the amount selected). Pays one-half the amount selected for Step Down Unit Confinement. Pays triple benefit due to vehicular accident