Weigh risk factor due to family health history: For those with a strong family history of cancer, purchasing cancer insurance makes a lot of sense. These individuals must revisit their current health insurance plan and analyse how a cancer insurance policy will compliment this current health policy. It is also important to remember that cancer insurance only kicks in if the policyholder is diagnosed with cancer, and will not offer coverage for any other chronic disease.
Two policies do not mean double coverage: Having a comprehensive health insurance policy plus a separate cancer insurance plan does not necessarily mean that one gets double the benefits. Most insurance policies come with a ‘coordination of benefits’ clause, stating that one plan will not cover expenses that the other plan does.
After careful analysis if you decide to go ahead and buy cancer insurance, check and compare as many plans as possible.
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