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I don’t know how I would’ve done it without my Aflac Cancer Policy.

– Katy

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Cancer Insurance

Aflac cancer insurance1 is here to help you and your family better cope financially—and emotionally—if a positive diagnosis of cancer ever occurs. Added comfort and protection means the freedom to focus on more important things.

How could lung cancer affect you financially?

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The average cost of lung cancer is $166,451.2

After major medical coverage, you could still owe $66,580 in out-of-pocket medical expenses not covered by your insurance.3

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Cost Calculator

Medical Expenses $166,451
Avg. Insurance Coverage 60%

Remaining Expenses*

Aflac Supplemental Coverage:


How Much Does Cancer Insurance Cost?

When cancer or a specified-disease strikes, the last thing you and your family should have to think about is the cost—the priority should be recovery. Cancer treatments and procedures can quickly add up, making cancer insurance costs worth it.

The cost of cancer insurance is impacted by your age, location and your ideal benefits, but Aflac’s Cancer/Specified-Disease Insurance plans are an affordable option for all kinds of policy needs. We recommend chatting with an agent to get a more specific quote.

Aflac offers some cancer insurance policies with weekly rates as low as a gallon of milk.4

Aflac duck with milk
Couple at computer

How Much Does Cancer Treatment Cost Without Insurance?

Not every cancer diagnosis is the same, which means treatments and procedures vary across the board. While one breast cancer diagnosis may require a mastectomy, another may need radiation.

Cancer treatment costs with insurance can be much more manageable with a good policy in place.

How Does Aflac Cancer Insurance Work?

Now that you have a better idea of how much Aflac Cancer insurance is, let’s discuss how exactly it works. Supplemental cancer insurance benefits are designed to help cover expenses that traditional insurance may not cover. Aflac cancer insurance doesn't just help with medical expenses, but the cash benefits can also help you with everyday costs.

With our cancer insurance, cash is delivered straight to the policyholder6 rather than going through a doctor or hospital first. You can use these benefits to help pay for your mortgage payments, electricity bills or medication refills—it’s completely up to you. Taking a look at your current expenses can help you determine how much coverage you would need if you are diagnosed with cancer.

For example, let’s say you notice a darker bump on your nose, and you make an appointment with a dermatologist. Your doctor decides it’s worth a closer look, so they do a skin cancer screening and biopsy. The results are back, and they recommend chemotherapy to treat the advanced skin cancer diagnosis.7 If you have an Aflac cancer policy, you can then file your covered claim to receive cash benefits. You can use the payment to help cover the screening, surgery, or to help with your utility bills—you decide.

Mother with cancer hugging daughter
Peace of mind doesn't
have to break the bank

Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.

Is Cancer Insurance Worth It?

Paying for cancer treatments entirely out-of-pocket without insurance may be a taxing responsibility to do on your own. Even with the help of your primary insurance provider, costs can remain high. Having a supplemental cancer insurance policy on your side may be the type of support you need. More specifically, Aflac Cancer Insurance can be worth it if you fall into a few categories:

  • crutches icon

    If you are not financially prepared, having cancer insurance can help provide peace of mind and support in the event of a covered diagnosis.

  • person with heart icon

    If cancer runs in your family, you should consider helping to protect yourself financially with a cancer insurance plan.

  • clipboard icon

    If a specified-disease runs in your family, a cancer/specified-disease insurance plan can help you protect your health and finances.

Aflac Cancer Insurance can help cover a wide variety of cancer treatments—both preventative and urgent treatments. Many Aflac cancer plans offer benefits for annual cancer screenings to help you stay on top of your health.

What Does Aflac Cancer Insurance Cover?

Your primary medical insurance may be able to help cover a lot of the costs associated with your diagnosis. However, you can still be left with large expenses expected to be paid out-of-pocket. That’s where Aflac Cancer Insurance comes in.

Aflac Cancer Insurance policies can help cover many different treatment plans. We offer different policy options with varying levels of coverage, depending on your unique needs. Benefits vary from plan to plan, so it’s important to let your Aflac agent know your situation and needs upfront before choosing which plan may be best for you.

Insurance for cancer patients has the potential to help everyone involved—including those you love. While we hope your children never receive a cancer diagnosis, there may be dependent coverage options on an existing individual plan.

Each cancer insurance option offers cash benefits that can be used however you decide. This means you can put cash toward rent, groceries or a detailed treatment plan. A few common medical procedures or treatments that Aflac can help cover are:

  • Plus sign iconCancer Screenings
  • Plus sign iconRadiation Therapy, Chemotherapy, Immunotherapy or Experimental Chemotherapy
  • Plus sign iconHormonal Therapy
  • Plus sign iconStem Cell and Bone Marrow Transplantation
  • Plus sign iconBlood and Plasma
  • Plus sign iconSurgery/Anesthesia
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What’s the Difference between Cancer, Critical Illness, and Hospital Insurance?

Aflac offers Cancer, Critical Illness and Hospital insurance policies. Each plan offers different benefits, and it’s not uncommon for policyholders to consider more than one plan. Combined, you can explore a more supportive and holistic approach to coverage. You now know what Aflac Cancer Insurance is, but it makes sense to explore all your options.

Aflac Lump-Sum Critical Illness Insurance is for those who experience a life-changing event, like a heart attack or stroke. It offers lump-sum cash benefits that can be used however you decide – from helping with everyday bills to surgery. These plans may help provide coverage for diseases that aren’t covered by our cancer/specified disease insurance policies.

Aflac Hospital Insurance is a great option to combine with other existing insurance plans, but it is only offered through employers with premiums payable through worksite payroll deductions. Supplemental hospital insurance can help cover expenses that take place in the emergency room, like ambulance costs, x-rays and blood tests, to name a few. We recommend chatting with your company and seeing if hospital insurance coverage is an option.

Who Qualifies for Cancer Insurance?

It’s important to note that cancer insurance may also be known as specified-disease insurance in some locations. The specific qualifications for cancer insurance vary from state to state, but there are a few general qualifications to keep in mind.

Can You Get Cancer Insurance After a Cancer Diagnosis?

Getting cancer insurance after a diagnosis may not be a likely situation. If you opt into group cancer insurance, you need to have been cancer-free for the last five years. If you choose to purchase Aflac Cancer Insurance individually, you must have been cancer-free for the previous ten years.

It’s not uncommon for cancer insurance plans to require some waiting period8 before benefits can be accessed. Aflac Cancer Insurance has a 30-day waiting period before benefits kick in, so it’s better to get policy ahead of time.

Mother and daughter
Couple at computer

Individual Cancer Insurance Policies vs. Policies Through Work

You can apply for Aflac Cancer Insurance through your worksite and on an individual basis. If you are a business owner, you can help your employees feel better protected by offering cancer insurance through payroll deductions. There is no direct cost to employers, as employees decide for themselves if they would like to apply or not. If you are an employee and your company does not offer this benefit, you can still apply for a cancer insurance policy individually.

Get a Quote for Aflac Cancer Insurance

We recommend chatting with an agent for complete details that can help you decide if you should apply for supplemental cancer insurance. You can also clarify which Aflac Cancer insurance option is best by determining how much coverage you may desire. Don’t wait until it’s too late—get a cancer insurance plan to help you when you need help the most.