How important cancer insurance is and when should you get it?

According to health statistics around the world, it shows that cancer is the number one cause of death and is a disease that is a public health problem worldwide which of course Thailand is included. About 60,000 people die each year because of cancer or an average of 7 people per hour. Getting cancer insurance is considered another life plan that will help cover those risks.

If the cancer is detected, regardless of any kind or part, Cancer insurance will be a good helper to reduce expenses which will be paid in full and also compensation for use in treatment. And in case of sudden death caused by cancer, the compensation will become the inheritance money for your family.

What is the cause of cancer?

Cancer is caused when cells in the body divide abnormally and spread into surrounding tissues. It is also caused by changes to DNA within cells. These changes are called genetic alterations. Some of these alterations are inherited which means if family members have it, there is a high chance you might have it as well. At first, the patient may not be aware of it because the first phase is an abnormality in small cells which is hard to detect. And before you know it, it spreads to tissues and organs. Cancer now is still incurable and complicated in medical treatment.

When Should You Get Cancer Insurance?

Cancer insurance can be done as specified by the insurance company. For example, if you get insurance from the age of 15 to 60, the premiums will be cheaper due to lower health risks. The insurance company sees it as a group of people who are healthy and strong, less likely to claim the insurance and also a group with stable jobs and income. Therefore, the sooner you get it, the better.

Health Insurance From dSurance

To this point, you already know that the sooner you get cancer insurance, the more beneficial it will be. We would like to recommend cancer insurance from dSurance that will pay a lump sum immediately if the cancer is detected. And the sooner you get, the premiums will be low because premiums are calculated based on the applicant’s date of birth and date of application.

Here are some main coverages of cancer insurance.

• All cancers that are first detected.
• Skin cancer.
• Surgical expenses.
• Chemotherapy and radiotherapy treatment expenses.
• Coverage for a second examination. .
• Compensation for daily income in case of hospitalization.
• Monthly allowance due to illness from cancer.
• Can be used for tax deductions up to 25,000 Baht per year.

The insurance premium starts at 920 Baht only. (calculated from plan 1 insurance premiums and the insured age between 1-34 years old)

For anyone who has never had cancer insurance or those who are looking for a good deal of insurance with a good price, we recommend ‘Premier Care’ plan 2 which will pay immediately if the cancer is detected. It covers all stages of cancer up to 1.5 million Baht, covers skin cancer up to 300,000 Baht, coverage for a second examination fee of 20,000 Baht and also chemotherapy treatment covered up to 100,000 Baht.

The conditions for applying are simple. You don’t need a health check, just have to answer 6 health questions. The insurance can be applied from the age of 1 to 60 years old and can be renewed until 65 years old.

However, being healthy and having no diseases is the greatest fortune, especially diseases like cancer that no one wants to face. Getting cancer insurance can give you peace of mind and also can be a financial backup plan. Let you live your life with less worries.