The time when cancer insurance was unknown has been left behind. In recent years, these products have grown a lot and more and more insurers are offering them, allowing those who are interested to have a range of options to choose from.
Before, only a few knew what cancer insurance was for and a minority recognized that it was important to acquire them.
With the passage of time, everywhere it has been seen as this disease attacks when you least expect it and who you least thought about, which has allowed more people to understand the importance of acquiring this type of insurance.
Cancer insurance allows you to breathe easy
And be prepared in case this disease appears, since it covers the treatment and everything that it involves, for a much smaller amount than it would really cost to treat it on your own. Before, those who cared about that were their parents, but today there are many young people who are already insured or are thinking of securing themselves and their parents.
In the whole process of choosing insurance of this type, one of the biggest questions is how to know that the chosen alternative is really the right one for your profile. Is there a magic formula? The truth is, no. But there are some points that you can take into account and analyze to choose the insurance that suits you.
What should you look for in cancer insurance?
First, check the coverages. Insurers will place the amount up to which the coverage works. That is, it will cover the expenses of the treatment of the disease until the stipulated amount is met. On the other hand, there are some insurances with unlimited coverage, which do not have a specific amount and continue to cover the treatment until what is needed. Then you should ask yourself what type of coverage you want.
Second, in addition to the value that is covered, you should look at what the coverage includes. Some may not include some procedures such as bone marrow transplantation or so-called biological therapies, and only cover classic chemotherapies. Additional points are that some insurers admit reconstructions, such as breast cancer and breast reconstruction, but only in the most complete policies, while the most basic ones do not cover these procedures.
Third, another thing to consider is that each insurance brings extra benefits, such as vehicle, travel or home insurance. In the case of cancer insurance, some insurers also cover treatment abroad, allowing you to travel to get another opinion.
On the other hand, some cover the transport of the patient if he is outside Lima, allowing him to access the treatment in the corresponding clinic network. Another benefit is to cover the companion’s diet when the patient is pediatric. So, to choose, take into account what are the benefits that you would most like to have and with that, you will be able to see what coverage you should hire.
Terms and conditions
Something that you should not stop reading are the terms and conditions that the insurer has, since that is where it is expressed that the insurance will not cover, as well as the period of lack, that is, the time that the insurance will take in activate and help ensure that the person who purchased the insurance did not do so when he already had the disease. This usually lasts about 90 days, but it will be up to the insurer to determine the specific time.
The price is also something you should look at, and an advantage that some insurers offer is a cheaper price if you make the annual payment or if you cancel with your credit card. Analyze these alternatives because they might suit you more than you think. Do not forget that the price will be affected by the patient’s age. If you are young, the coverage will be priced differently than if you try to enroll your mother or father. But that is not why it will be less important that you do so.
Finally, the insurance you choose yes or yes should offer you the annual preventive exams. These will help evaluate your health and prevent any possible cancer risk, helping to detect it early and start treatment if necessary. These checkups are annual and include a series of medical tests ranging from blood to physical examination.