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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 policyholder2 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.3 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.
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:
If you are not financially prepared, having cancer insurance can help provide peace of mind and support in the event of a covered diagnosis.
If cancer runs in your family, you should consider helping to protect yourself financially with a cancer insurance plan.
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.
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.
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.
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:
Cancer Screenings
Radiation Therapy, Chemotherapy, Immunotherapy or Experimental Chemotherapy
Hormonal Therapy
Stem Cell and Bone Marrow Transplantation
Blood and Plasma
Surgery/Anesthesia
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
It’s important to note that cancer insurance may also be known as specified-disease insurance in some states. The specific qualifications for cancer insurance vary from state to state, but there are a few general qualifications to keep in mind.
Getting cancer insurance after a diagnosis may not be a likely situation. In most states, you must have been cancer-free for the previous ten years and received no preventive hormonal therapy within the last 12 months for a policy to be issued.*
It’s not uncommon for cancer insurance plans to require some waiting period4 before benefits can be accessed. Aflac Cancer Insurance has a 30-day waiting period in most states before benefits kick in, so it’s better to get policy ahead of time.*
* Policy options and benefits may vary by state, please refer to your policy for specific limitations and exclusions.
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.
† Katy is a real Aflac policyholder. This is her story. Your benefits from Aflac may differ. Katy was paid for her time in telling her story and is also an employee.
1CANCER INSURANCE – T70000 SERIES
In Arkansas, Policy T70000ARR. In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, Policy T70000OK. In Oregon, Policy T70000OR. In Pennsylvania, Policies T70000PA, T7000GPA. In Texas, Policy T70000TX. In Virginia, policies T70000VA & T70000GVA. Not available in New Jersey or New York.
This is a brief product overview only. Benefits/premium rates may vary based on plan selected. Optional riders may be available for an additional premium cost. The policies may contain a waiting period. The policy/rider has limitations and exclusions that may affect benefits payable. Refer to outline of coverage and/or policy for complete benefit details, definitions, limitations, and exclusions.
Limitations & Exclusions for Arizona:
Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer or Associated Cancerous Conditions, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); complications of either Cancer or an Associated Cancerous Condition; or any other disease, sickness, or incapacity.
If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed after the date the application for coverage was signed but before the Effective Date of coverage, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring after two years from the Effective Date of such person’s coverage. You may, at your option, elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) any Internal Cancer or Associated Cancerous Condition diagnosed or treated before the Effective Date of this policy and the subsequent recurrence, extension, or metastatic spread of such Internal Cancer or Associated Cancerous Condition; (2) the diagnosis of Nonmelanoma Skin Cancer.
Any Covered Person who has had a previous diagnosis of Internal Cancer or an Associated Cancerous Condition will NOT be eligible for an Initial Diagnosis Benefit under this policy for a recurrence, extension, or metastatic spread of that same Internal Cancer or Associated Cancerous Condition.
Tier One will not pay benefits whenever coverage provided by this policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.
Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Tier One will not pay benefits whenever: (1) material facts or circumstances have been concealed or misrepresented in making a claim under this policy; or (2) fraud is committed or attempted in connection with any matter relating to this policy.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]
Limitations & Exclusions for Idaho:
Except as specifically provided in the Benefits section of this policy, Tier One will pay only for treatment of Cancer, Associated Cancerous Conditions, or other conditions or diseases directly caused, complicated or aggravated by or resulting from Cancer or an Associated Cancerous Condition, including direct extension, metastatic spread, or recurrence. Benefits are not provided for premalignant conditions or conditions with malignant potential (unless specifically covered); or any other disease, sickness, or incapacity.
This policy’s waiting period is shown in the Policy Schedule. If a Covered Person has Cancer or an Associated Cancerous Condition diagnosed before the end of the waiting period shown in the Policy Schedule, benefits for treatment of that Cancer or Associated Cancerous Condition, or any recurrence, extension, or metastatic spread of that same Cancer or Associated Cancerous Condition will apply only to treatment occurring on or after 31 days from the Effective Date of such person’s coverage. At your option, you may elect to void the coverage and receive a full refund of premium.
The Initial Diagnosis Benefit is not payable for: (1) Internal Cancer or an Associated Cancerous Condition diagnosed during this policy's 30-day waiting period; (2) the diagnosis of Nonmelanoma Skin Cancer; or (3) claims incurred prior to the Effective Date of this policy. A claim for the Initial Diagnosis Benefit is considered incurred on the date the tissue specimen, culture, and/or titer is taken upon which the original distinct diagnosis of Internal Cancer or Associated Cancerous Condition is based.
Tier One will not pay benefits for any loss that is diagnosed or treated outside the territorial limits of the United States or its possessions.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. [We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.]
Limitations & Exclusions for Virginia:
Tier One will not pay benefits for services rendered by you or a member of the Immediate Family of a Covered Person.
For any benefit to be payable, the Injury, treatment, Accidental-Death, Dismemberment, or loss must occur on or after the Effective Date of coverage and while coverage is in force.
Tier One will not pay benefits if you fail to cooperate with our investigation into the validity of your claim. We may examine any Covered Person under oath, while not in the presence of any other Covered Person and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including a Covered Person’s books and records. In the event of an examination, a Covered Person’s answers must be signed.
Tier One will not pay benefits for an Injury, treatment, Accidental-Death, Dismemberment, or loss that is caused by or occurs as a result of a Covered Person's:
Being exposed to war or any act of war, declared or undeclared, or actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Reserve;
Alcoholism or drug addiction;
Participating in a felony, whether charged or not (“felony” is as defined by the law of the jurisdiction in which the activity takes place);
Intentionally self-inflicting a bodily injury, or committing or attempting suicide, while sane or insane;
Having cosmetic surgery that is not Medically Necessary (except that “cosmetic surgery” shall not include reconstructive surgery when the service is incidental to or follows surgery resulting from trauma and reconstructive surgery because of Congenital Anomaly or disease of the covered Dependent Child); or
Having dental treatment except as a result of Injury.
These policies are a supplement to health insurance and are not substitutes for major medical coverage. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
2 Cash benefits are paid directly to you, unless assigned otherwise.
3 Cancer Treatment Centers of America - Skin Cancer. Updated: July 20, 2022. Accessed: May 1, 2023. https://www.cancercenter.com/cancer-types/skin-cancer.
4 Investopedia - Best Cancer Insurance Providers. Updated: April 17, 2023. Accessed: May 1, 2023. https://www.investopedia.com/best-cancer-insurance-4843757.
5 Assumes the average cost of a gallon of conventional whole milk is $4.31**. Comparison is based on the average weekly premium for Cancer Insurance - T70000 Series - Standard Plan - Individual ages 18-49 in Nebraska. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: United States Dept. of Agriculture, April 2023. https://www.ams.usda.gov/sites/default/files/media/RetailMilkPrices.pdf.
Please note Tier One policy premiums can only be paid monthly.
Aflac’s family of insurers include Aflac, Aflac New York, Continental American Insurance Company, and Tier One Insurance Company.
Coverage is underwritten by Tier One Insurance Company.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999.