The insurance industry has developed cancer insurance in response to the horror of cancer. This is a great blessing for those who are not in good health and cannot afford to buy "million dollar medical insurance".Cancer insurance If you decide to buy cancer insurance, what should you pay attention to?

First, the reimbursement amount and reimbursement rate should be high.

The biggest problem after getting sick is the medical expenses. What medical insurance can reimburse for the medical cost of treating cancer is just a drop in the bucket. Medicare either cannot reimburse or has a very low reimbursement rate for medicines and programs that are effective in treating cancer. So when you buy cancer medical insurance, make sure you buy a product with a high reimbursement rate and reimbursement amount. Many products on the market today have reimbursement ratios of up to 100% and reimbursement amounts of up to several million dollars.

Second, the renewal conditions should be good.

Fighting cancer is a constant battle. Lucky people can fight for five years, or even ten years to achieve victory.Term Life Insurance There is a prerequisite for this luck, you have to have a supply of arms all the time during these five or ten years. Money is the arsenal of a family with cancer.

Having the money or knowing that this money will be reimbursed is the only way to go ahead with the treatment with confidence. Cancer medical insurance can reimburse the money for treatment, but can it always be reimbursed? In case the cancer recurs or metastasizes after three years or five years, can the insurance I bought before still be used? This is a very central point. Therefore, we must pay attention to whether the insurance company will let us renew the policy after the illness. No waiting period, no health notification, and renewal even after the insurance is out are the minimum requirements. If the insurance company puts guaranteed renewal in the terms and conditions, that would be even better.

Third, out-of-hospital targeted drugs are also a concern.

Our family is in a small city with underdeveloped medical resources. Many anti-cancer drugs it is not included in the medical insurance and cannot be reimbursed. There are also many anticancer drugs that are not available in our medical insurance designated hospitals. So, I hope the insurance I bought for my dad can reimburse out-of-hospital targeted drugs. That way, a box of tens of thousands of dollars of anti-cancer drugs can be reimbursed by the insurance company. If you are also in a city with less developed c, I suggest you consider this point as well.

Fourth, if there are value-added services, of course, it is better.

Cancer medical insurance, just like million-dollar medical insurance, also has many value-added services. For example, medical expense advance, green pass for medical treatment, and transportation fee for off-site referral.

What is the meaning of medical expense advance? If the patient's cash flow is relatively tight and he can't get the money to pay the deposit, the insurance company can help to pay the deposit and advance the medical expenses.