Cancer Insurance Coverage

Cancer can strike anyone at any time regardless of lifestyle, yet too many people lack the cancer insurance coverage they need to help pay the costs associated with the treatment it may require.

While cancer survival rates have dramatically increased because of modern medical treatment, these treatments are expensive, and together with other related costs, can create a serious financial burden on the family. Will you be able to afford the best care available if cancer touches someone in your family?

Combined Insurance's Cancer Care Protector offerings are cancer insurance coverage that can help fill in the gaps.

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Ways to Protect You

Five ways Cancer Care Protector will cover you and your family.

1. CANCER INSURANCE COVERAGE BEGINS IMMEDIATELY UPON POLICY ISSUANCE: No waiting period.
2. CHOICE OF COVERAGE: Individual or family protection.
3. PREMIUM FLEXIBILITY: You may have the choice of either a Paid-Up rider or Return of Premium rider (less benefits paid).
4. BENEFITS PAID DIRECTLY TO YOU: Paid in addition to all other private insurance and paid directly to you or to whomever you choose.
5. NO REDUCTION IN BENEFITS: Benefits remain the same no matter how old you are or the number of claims paid to you.

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Flexible Plans Available

To help you meet the cancer insurance coverage needs of you and your family, Combined Insurance offers Cancer Care Protector plans with different levels of coverage that meet your needs, both with the option of Individual or Family Protection.

Both plans provide benefits for all of the items listed above and can help you cover the non-medical expenses that still need to be covered during treatment. Even if you are covered by a Major Medical plan, an HMO, PPO, or Basic Hospital Coverage, you will find that our cancer insurance coverage provides additional money when you need it most.

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Two Riders Available

In many states we offer two different riders to meet your future needs.

The Paid-Up Rider allows you to continue your coverage, if your policy has been continuously in force for a set period of time. In other words, you're still insured, but you no longer have to pay your premiums.

Or you could select the Return of Premium Rider. With this selection, for each consecutive 15-year period your policy remains in force, we will return all of the premiums you paid, less any benefits paid to you over that period. In other words, if you are diagnosed or treated for cancer, we pay you. Or, if you are "cancer-free" for 15 years, we give you your money back.

Learn more about our other Health Insurance option, Critical Care.

Contact a local Combined Insurance agent to learn more about Cancer Care Insurance.

Availability from a particular company varies by product and state. Subject to availability and qualifications. Life, accident & sickness and disability insurance policies issued by Combined Insurance Company of America in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York. Combined Insurance Company of America is not licensed and does not solicit business in New York.

May Not Be Available In All States

(1) American Cancer Society Facts & Figures, 2007