Cancer insurance is the main coverage for cancer diagnosis, and it provides intensive coverage for cancer such as surgery, treatment, and hospitalization.
Cancer is more likely to develop as you get older, so it is better to prepare insurance that can guarantee up to the age of 80.
Cancer is a family history. Because of this, it is advantageous to prepare with stronger coverage for the cancer, which has a family history.

In addition, if you are a woman, you need to check the coverage of cancer that occurs a lot in women, and if the coverage is weak, you need to reinforce it more.
It is better to prepare cancer insurance by placing importance on diagnosis rather than surgery or treatment costs.
Since diagnostic money can be paid when diagnosed with cancer, it is also a good idea to set up a large diagnostic fund to cover surgery, hospitalization, and treatment costs, and use it for other funds.

<Main Coverage of Cancer Insurance>


- When diagnosing high-value cancer (blood cancer, brain cancer, bone marrow cancer), high-value cancer diagnosis fees are paid.
- Cancer diagnosis costs are paid for general cancer diagnosis.
- Men pay for the diagnosis of specific cancers when diagnosing liver cancer, lung cancer, stomach cancer, and women for uterine cancer, ovarian cancer, and breast cancer.
- Diagnosis costs are paid for diagnosing intraepithelial cancer, borderline tumor, and other skin cancers.
- Cancer surgery benefits are paid for cancer surgery.
- Surgery costs are paid for surgery for intraepithelial cancer, borderline tumor, and other skin cancer.
- Cancer hospitalization costs are paid per day after more than 3 days of hospitalization for cancer.

Cancer insurance is not immediately guaranteed by signing up, but 90 days after the start of cancer liability guarantee, so it is better to prepare in advance when you are healthy, and an official of the cancer insurance comparison site advises that it is economical for customers to sign up by receiving price comparison guidance through cancer insurance recommended products and cancer insurance comparison sites through insurance experts.

<Matters to be considered when subscribing to cancer insurance>


○ The longer the coverage period, the better.
The risk of cancer increases as age increases, and if you sign up again in the middle of enrollment, the premium burden increases relatively.
Some insurance companies sell it in the form of a "five-year automatic renewal," and five-year automatic renewal products can be automatically renewed every five years to be guaranteed until the age of 80, but be careful as insurance premiums rise with each renewal.
Cancer is more likely to develop as you age, so long-term guaranteed products such as 80-year-old maturity, which can be guaranteed for a long time from the first time you sign up, are advantageous.



○ It's a good idea to sign up for a large medical fee.
In relation to cancer, diagnosis, surgery, hospitalization, and outpatient expenses are paid, but a cancer diagnosis does not necessarily result in medical care and outpatient treatment.
Therefore, if the diagnosis fund is sufficient, it can be used as a diagnosis fund and other treatment funds.

○ Make sure to check the start date of liability guarantee.
Cancer insurance is not covered immediately after signing up, but can only be covered after 90 days, so if cancer develops shortly after signing up, the amount of coverage will be limited.
Some insurance companies pay 50% of their insurance money if they develop cancer within one to two years after signing up, and breast cancer and thyroid cancer pay 10% of their diagnosis if they develop more than 90 days and less than 180 days, so they should be checked and prepared.



○ The screening criteria should be checked.
Some insurance companies have family history notices when subscribing to cancer insurance.
This is because cancer is a disease that has a large impact on genetics and diet, so if there is a cancer factor in the family, the probability of development may be high.
Therefore, it should be noted that some insurance companies do not provide cancer coverage for specific areas of cancer if they have a family history.



○ You have to sign up as soon as possible.
The higher the age, the higher the risk of cancer, making insurance premiums more expensive.
Insurance applies the insurance age, but insurance premiums can rise by one day, so it is also a good way to prepare in advance when you are young.



◇ When choosing cancer insurance, rather than watching cheap cancer insurance or TV or home shopping cancer insurance advertisements, cancer insurance has different premiums for each insurance company. It is recommended to carefully compare cancer insurance through an insurance expert and sign up for it.

* Recommended link: Get free counseling on cancer insurance comparisons