1.How comprehensive is your cancer insurance coverage, including initial diagnosis, treatment, surgery, radiation, chemotherapy, and follow-up care?
Comprehensive cancer plans cover the full treatment journey. Limited plans may only pay a lump sum at diagnosis.
2.How well does your cancer plan benefit structure (lump-sum vs. expense-incurred vs. indemnity) match your employee population's needs?
Lump-sum plans pay a fixed amount at diagnosis. Expense-incurred plans reimburse actual costs. Indemnity plans pay per treatment event.
3.How clearly does your cancer plan define skin cancer coverage, including internal vs. external skin cancer distinctions?
Many cancer plans exclude or limit skin cancer. Internal skin cancer (melanoma) is typically covered; external skin cancer may be excluded.
4.How well does your cancer plan address recurrence benefits and second-occurrence provisions?
Cancer recurrence is common. Plans that pay a reduced benefit or require a waiting period for recurrence may leave employees underprotected.
5.How carefully have you evaluated whether standalone cancer insurance or a comprehensive critical illness plan better serves your workforce?
Critical illness plans that include cancer may provide better value than standalone cancer insurance, depending on benefit levels and cost.
This tool provides educational decision support only. Results are not legal, tax, actuarial, or insurance advice. Validate all outputs against current plan documents, applicable law, and qualified professional guidance. Scoring version 1.0 · Reference year 2026.
