It is unfortunate, but at present, America is surrounded with cancer from all four corners. According to latest research from the American Cancer Society, cancer will attack one of every three Americans, three of every four families, and one in every eight women will be diagnosed with breast cancer. People shouldn't forget that after being diagnosed, they won't be able to work for a while. This means no income. Relying on disability insurance is not advised, as it might take some time before it actually starts paying up, and even if it does, it might not be able to cover the maximum expenses incurred. To ensure that cancer treatment costs aren't heavy on the pocket, cancer insurance is available, but is it worth it? Let's find out in this Buzzle article. Cancer insurance is a supplemental insurance taken to manage the risks associated with cancer, and its numerous complications. Although new in the world of health insurance, cancer insurance is considered extremely beneficial, as it reduces the costs that come with the treatment, and provides a sense of financial security to the insured. Like other insurance policies, the insured has to pay premiums which can change, depending on how severe the cancer is. Consumers should not consider cancer insurance as a replacement to health insurance. Choosing a policy can be decided by looking at the company's track record, brand, the benefits it offers, and lastly, the price. However, there is a catch in buying a cancer insurance policy. People who have been diagnosed with a cancerous condition can't apply for this insurance, and those who have had cancer within the last five years cannot purchase this insurance policy. Despite the frightening mortality statistics, the topic of buying cancer insurance has gathered mixed response. However, most health experts do believe that families with a history of cancer should have cancer insurance. Also, the health insurance plan of many consumers may or may not cover certain cancer treatment drugs. In such instances, a cancer policy can really help. Here are certain more points to consider before buying a cancer insurance plan. The Risk of Getting Cancer: A cancer insurance policy is highly beneficial for those who belong to families in which cancer is prominent. People belonging to such families might want to look at their current health plan, and compare how taking cancer insurance might help them. Upgrading the Current Health Plan: For those who aren't sure about cancer insurance, they can think of upgrading their existing health plan. The company might provide the new plan at a discounted rate, with an increase in the number of health benefits. Check for Overlapping Benefits: Before buying a cancer insurance policy, it is advised to check for a Coordination of Benefits Clause (COB) to avoid any duplicate coverage, as it results in unwanted expenses. In the end, the question of buying cancer insurance basically boils down to individual choice. As mentioned before, experts do recommend taking cancer insurance for those who come from a family associated with the disease. Consumers also have the option of upgrading their existing health plan, which ensures maximum coverage against critical illnesses. Disclaimer: The information provided in this article is solely for educating the reader. It is not intended to be a substitute for the advice of a professional.