Cash Cancer Plan

Answers to common questions about our cancer insurance policy

These frequently asked questions apply to the Cash Cancer Plan only.

How is a Cash Cancer Plan different from a traditional medical plan?

Medical insurance reimburses the insured, or provider, for covered and approved medical services, procedures, equipment, and prescription drugs. The Cash Cancer Plan pays an immediate one-time, lump-sum payment directly to the insured upon initial diagnosis of a covered cancer. The cancer insurance policy benefit can be used for any purpose you choose.

Do I have to be employed to enroll in the Cash Cancer Plan?

No. Enrollment isn’t dependent on current or future employment. As long as you pay your premiums on time, coverage will continue until you have a claim.

How is the benefit paid?

When first diagnosed with invasive cancer or malignant melanoma, you submit a claim form with the required diagnosis information. Once we receive all required information, we issue a check to you or your designee – usually within a week. This check is a one-time, lump-sum payment. The benefit can be used for any purpose the insured or designee chooses.

Are there any types of cancer not covered?

This cancer insurance policy only pays benefits for a first diagnosis of cancer in an internal organ – for example, cancer of the breast, lung, or liver. The only skin cancer covered is malignant melanoma. All other skin cancers aren’t covered.

Am I eligible for Cash Cancer Plan if I’ve had cancer in the past?

You won’t qualify for coverage if you’ve ever been medically diagnosed as having or been treated by a doctor for internal cancer, melanoma, leukemia, Hodgkin’s disease, malignant growth, Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex, or tested positive for the Human Immunodeficiency Virus (HIV).

Are benefits coordinated with other insurance, if any?

No. Benefits for this cancer insurance policy are paid to the policyholder or their designee separate from any other insurance.

Do benefit amounts differ for family members?

No. The Cash Cancer Plan provides the full benefits for all covered family members. Each individual has coverage at the benefit amount selected at the time of purchase.

Will my premiums increase with time?

Premiums are intended to be level throughout the life of the cancer insurance policy. Premiums will increase only if the premiums for all policies in that state are increased. Any such increase must be approved by the appropriate state authority.

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Cash Cancer Plan is Kanawha Insurance Company policy Form 70130 and optional rider policy Form 70140. The benefits and riders offered are supplemental and not intended to cover all medical expenses. Please see actual policy for complete details. Cash Cancer Plan is for protection in the event you’re diagnosed with cancer in the future. Please don’t apply for this plan if you’ve ever been diagnosed with cancer. Waiting periods apply for pre-existing conditions; waiting periods vary by state.

Jill's story

story image "I have a lot of things on my mind. Wondering if we can afford to fight cancer isn’t one of them."

"A few years ago, my mom was diagnosed with breast cancer. That’s when I realized fighting cancer takes more than strength and determination. It takes money. Money for costs insurance doesn’t pay, for travel to doctors' offices, to make up for lost time at work. That’s why we bought a Cash Cancer Plan from HumanaOne.

"If Travis or I ever have to fight cancer, we know we’ll have lots of questions. But 'can we afford to fight cancer?' won’t be one of them."

Jill’s story is a fictional example meant to illustrate the value of the Cash Cancer Plan. Actual premiums vary depending on the coverage amount selected.