Over 1.3 million new cancer cases are expected to be diagnosed in 2008.
1 in 2 men and 1 in 3 women will develop cancer in their lifetimes.
Cancer is the number 2 cause of death in the United States.
9.8 million Americans with a history of cancer were alive in 2001.
When diagnosed with cancer, you are often fighting two battles: the fight to beat cancer and stay in remission and the fight to stay ahead of the medical costs associated with cancer treatment. As the battle to defeat cancer becomes more winnable, the battle to help pay the costs of cancer treatments can also be fought.
Planing For The Unexpected
You don't plan to be diagnosed with cancer, but it could happen to you. It's difficult to prepare for the medical, emotional and financial impact of a cancer diagnosis. That's why it's important for you to consider applying for Lump Sum Cancer Inurance, to help you with the high cost of cancer treatment.
Designed to supplement your major medical coverage, it pays you a one-time lump sum payment upon first diagnosis of internal cancer - so you can focus on your treatment and getting well.
Lump Sum Cancer Benefits
Benefits are paid directly to you unless you assign them to someone else.
Pays in addition to other insurance you have.
You choose the benefit amount, $10,000, $20,000, $30,000, $40,000, even $50,000 ($40,000 and $50,000 no available in GA).
No hospitalization is required to receive benefit.
Coverage is available for individuals, one parent, and two parent families. The spouse benefit is equal to the Primary Insured. The benefit for dependent children is 50% of the Primary Insured's benefit.
You receive a one-time lump sum benefit, upon first diagnosis of internal cancer.
Use the benefit for any purpose you choose.
Guaranteed renewable, as long as premiums are paid with due.
Portable if you change jobs.
Premiums for Lump Sum Benefits Monthly Rates
* The spouse benefit is equal to the Primary Insured. Dependent children are automatically covered for 50% of the Primary Insured's benefit under the Family Plan.
+ $40,000 and $50,000 benefit amounts are not available in GA.
To convert premiums to another mode, use the following factors:
Semi-Monthly ..... Divide monthly rate by 2
Bi-Weekly .......... Multiply monthly rate by .462
This is a Cancer Only Policy.
For use in AL, AR, CA, CO, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, MI, MS, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, TN, TX, UT, VA and WI
Conditions, Exceptions and Limitations
This PC29 cancer policy pays only for the first diagnosis of cancer as defined in the policy. This includes internal cancer, carcinoma in situ, malignant tumors and malignant melanoma. The policy it does not paying for conditions which may be considered precancerous or having malignant potential such as leukoplakia; hyperplasia, carcinoid; polycythemia; non-malignant melanoma; moles, or similar lesions. The policy does not pay for diagnosis of skin cancer other than malignant melanoma. (In MI, we will pay 1% of the benefit shown on the policy schedule one that covered family member is first diagnosed with skin cancer. It is only payable for the first diagnosis of skin cancer for that covered family member.)
This policy does not pay benefits for pre-existing diagnosed cancer. PRE-EXISTING CONDITION MEANS:
In CA, a condition for which medical advice or treatment was recommended by a Physician or received from a Physician within a two year period preceding the effective date of the coverage of the insured person. Issuance of a policy is subject to underwriting approval.
In MS, (a) the existence of symptoms which would cause an ordinarily prudent person to seek medical diagnosis, care treatment within the five years of before or within 30 days after the effective date of his/her coverage; or (b) a condition for which medical advice or treatment was recommended by or received from a Physician within the five years before or within the 30 days after the effective date of his/her coverage.
In TX, the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a five year period proceeding of the effective date of the coverage of the insured person or a condition for which medical advice or treatment was recommended by a Physician or received from a Physician within a five year period preceding the effective date of the coverage of the insured person.
In VA, a condition which (1) manifests itself within six months prior to the effective date of the policy or (2) was diagnosed by a Physician prior to the effective date of the policy and for which medical advice or treatment was recommended by or received from a Physician within (10) years prior to the effective date of the policy.
This policy contains a 30 day waiting period. (In MI, this does not apply). No benefits will be provided for cancer diagnosed prior to the 30th day following the policy date. Coverage will end if for any individual:
1. Upon payment of the first occurrence benefit;
2. A pang of the death of the insured; or
3. If you do not pay the premiums.
Coverage on any dependent will end:
1. On the anniversary date following the child's 21st birthday (in Georgia: 19th birthday; in North Dakota: 22nd birthday; in Utah: 26th birthday); or
2. At the child's marriage (in Georgia this does not apply); or
3. On the child's 25th birthday if the child is a student as outlined in the policy (in North Dakota: 26th birthday; in Utah: this does not apply).
California law requires that the purchaser of us to specified disease insurance policy must be covered by an individual or group health policy or contract that provides medical, hospital, and surgical coverage not designed to supplement other private or governmental plans (i.e. A comprehensive major medical plan).
This page has a brief description of the principle provisions available in policy form PC29. Exact definitions, provisions, exceptions and limitations may vary by state and are shown in the policy contract.