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Cancer and Accident Insurance


Cancer Insurance

Cancer insurance is a special type of policy that provides an extra layer of protection to your health coverage. If you are diagnosed with cancer, your health insurance may not provide you with the extent of financial support you need. These policies pay for various out-of-pocket costs, including:

  • Health insurance copays
  • Deductibles
  • Transportation for medical treatments
  • Groceries
  • Rent or mortgage payments

Cancer Insurance and You.

Cancers are not rare; About 39.5% of people are diagnosed with cancer at some point in a lifetime. Cancer insurance can be a lifesaver if you are diagnosed. The costs incurred during the treatment phase can add up quickly. You may need help with child care, or other household expenses during your course of treatment and care, and this insurance can be of great assistance.

Cancer Insurance vs Critical Illness Insurance

Some insurance companies offer critical illness insurance, which covers a range of illnesses, such as heart attack, stroke, or other qualifying illnesses. Both cancer insurance and critical illness insurance are generally very affordable for younger people, with premiums increasing as you age, but are generally still reasonable in cost. 

Every policy is different. Some have lump-sum payouts, while others pay for the medical expenses you incur due to cancer, up to a specific limit. you are considering cancer insurance, contact our insurance agent to evaluate and explain the current options on the market, and help you choose the policy that will make the most sense for you and your family.

Accidental Insurance

Life can bring unexpected problems, such as an injury accident. You may have health insurance but could face serious financial losses if you suffer an accidental injury. This type of insurance can be a lifesaver, as it pays many out-of-pocket costs incurred, based on the terms of the policy:

  • Emergency medical treatment
  • Hospital costs
  • Medical tests and exams
  • Transportation costs
  • Accommodations

How Does Accident Insurance Work?

Accidental insurance is typically affordable. Just like other insurance policies, you will pay a monthly premium. The coverage and premium costs vary, based on the policy and the insurance company. Always work with an insurance professional to select an appropriate policy, as they vary in what they cover. 

What Does Accident Insurance Cover?

These policies cover injuries listed as “qualified,” which may be broken limbs, accidental amputations, lacerations, or injuries that led to paralysis. Speak with your insurance agent to understand which injuries are listed as “qualifying.” If you suffer a qualifying injury, your accident insurance will issue a check to you directly. These policies also pay your named beneficiaries if you do not survive the accident. 

An accidental insurance policy can work as a supplement to your health insurance, covering the out-of-pocket expenses of your deductible and copay requirements. If you are unable to work, some policies will cover your mortgage payments, rent, utility bills, and other expenses. 

An Extra Layer of Protection

An injury accident can have serious physical and financial consequences. Depending on the policy, you will receive a lump sum payment if you have a qualifying injury. Health insurance is expensive, and most people have a fairly high deductible. Accident insurance policies help you make it through the tough times by paying for the additional expenses that are not covered by your health insurance or disability insurance coverage.

An accident can happen to anyone at any time. Planning for the unexpected by putting accident insurance in place can be a wise decision. Contact us to speak with us about your options, and which policy would best suit you and your family.

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