Cancer insurance is a supplemental health insurance plan designed to help with cancer-related costs. It pays cash benefits directly to you*, not to doctors or hospitals, for you to use as needed.
While primary health insurance covers some costs, Aflac helps close the financial gap, providing additional support every step of the way - from annual preventative screenings and diagnosis to treatment and recovery with continued care.
How does Cancer Insurance work?
Preventive Care
Get cash benefits from Aflac for annual preventative screenings, even before a diagnosis. These benefits help you stay proactive about your health without worrying about out-of-pocket costs.
Diagnosis
If a screening reveals cancer, we pay you cash for the diagnosis and for seeking a second opinion. This support can give you the flexibility to explore your options and make informed decisions.
Treatment
Cancer insurance can allow you to access ongoing cash benefits to help with the costs of your cancer treatment. Use these funds to help cover copays, transportation, or everyday expenses during treatment.
Continuing Care
Aflac provides cash benefits for your recovery, supporting both your physical and financial well-being. We’re here to help ease the burden as you focus on healing and getting back to your daily life.
What does a Cancer Insurance policy help cover?
Cancer insurance is there to help alleviate that financial burden and includes the below benefits.
Screening & Diagnosis
Annual cancer screening
Diagnostic exams
Initial Diagnosis
Second opinion
Hospitalization & Surgery
Hospital stays
Preventative surgery
Skin cancer surgery
Surgical removals & anesthesia
Cancer Treatments & Therapies
Transfusions
Experimental therapy
Chemotherapy & radiation
Stem cell, bone marrow transplant
Accommodations & Continuing Care
Home health care
Transportation & lodging
Reproductive services
Reconstructive surgery, prosthetics
See how Cancer Insurance helped an Aflac customer.
I went from being a 29-year-old newlywed to a 29-year-old cancer patient.
I was able to use money from Aflac to help protect my fertility.
- Katy1
Peace Of Mind Doesn’t Have To Break The Bank.
Don't wait until it's too late. Choose the cancer insurance plan that is best for you and apply today.
If your family medical history includes cancer, getting a plan proactively can help you prepare. Aflac Cancer Insurance is a crucial way to protect yourself and your family from the financial strain a cancer diagnosis can bring.
In most states, you'll need to have been cancer-free for the past ten years and not received preventive hormonal therapy in the last 12 months for a policy to be issued.*
* Policy options and benefits may vary by state, please refer to your policy for specific limitations and exclusions.
Most cancer insurance plans have a waiting period before benefits can be used. Aflac Cancer Insurance typically has a 30-day waiting period, so it's best to get your policy in advance.*
* Policy options and benefits may vary by state, please refer to your policy for specific limitations and exclusions.
Unexpected out-of-pocket costs during cancer recovery can quickly add up. These medical and non-medical expenses can even hinder treatment. Aflac's Cancer Insurance helps ease this financial burden, allowing you to focus on healing.
Cancer insurance can be a smart option for anyone looking to protect their finances in the event of a cancer diagnosis—especially those with a family history of cancer or high-deductible health plans. It’s also beneficial for individuals who want added peace of mind knowing they’ll receive cash benefits to help with out-of-pocket costs not covered by traditional insurance.
The cost of cancer insurance varies based on factors like age, coverage level, and health history, but premiums are generally affordable. Aflac Cancer Insurance offers comprehensive coverage with premiums that will fit most budgets. It’s a low monthly cost that can offer significant financial protection if you ever face a cancer diagnosis.
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