Home Financial Center Cancer Insurance Types of Cancer Insurance Policies
Types of Cancer Insurance Policies | Print |

Expense Incurred Policy – pays a percentage of expenses for all covered treatments listed up to the benefit or policy's maximum dollar limit.

Indemnity Policy – is similar to an expense incurred policy. It pays for all covered treatments; however, it places a fixed dollar limit on each individual covered treatment, and the benefit amount is not related to the actual expense incurred.

First Diagnosis or First Occurrence Cancer Policy – pays a lump sum upon the first diagnosis of cancer. The benefit under the policy may be any amount, for example $2,000, $5,000, $10,000 or even $100,000. Benefits cannot be denied due to pre-existing conditions if the cancer is diagnosed after the effective date and applicable waiting period. However, they may contain longer waiting periods than traditional cancer policies. Read the policy carefully to fully understand the benefits and policy limitations.
 

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