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Healthcare costs for cancer can be significant, and supplemental cancer insurance can help cover additional costs that are not covered by primary insurance. Aflac offers cancer insurance that can help provide financial support following a covered diagnosis. Most cancer insurance do not cover pre-exisitng conditions, making it more important to obtain this type of policy before you’re diagnosed.1
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Cancer insurance is a type of supplemental health insurance that pays cash benefits to help you cover the costs of cancer treatment. Aflac cancer insurance can help reduce some of the financial burden associated with covered cancer treatment such as:
Aflac pays you cash benefits before, during, and after a cancer diagnosis. Many policies include a waiting period, and benefits are generally not payable for diagnoses that occur during that period. Aflac cancer insurance has a 30-day waiting period in most states.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedYou generally can’t apply for cancer insurance after a cancer diagnosis. Cancer insurance is designed to be applied for before a diagnosis and is intended to supplement your primary health insurance.3 While primary health insurance generally provides coverage for cancer treatments, cancer insurance may provide cash benefits to help with expenses related to a covered diagnosis.
It's important to apply for cancer insurance before a diagnosis to help ensure you have the financial support you need during treatment. Aflac cancer insurance offers coverage options designed to help meet a variety of coverage needs and budgets.
Here are some potential alternatives to getting cancer insurance that can also help provide financial support:
Critical illness insurance is another type of supplemental health insurance that pays cash benefits after a diagnosis. Sometimes, cancer is excluded from these policies.4 However, if you find a policy that includes cancer, it can provide broader supplemental coverage.
Like other types of supplemental insurance, disability insurance does not usually offer coverage for a pre-existing cancer diagnosis.5 If you had disability insurance coverage in place before your diagnosis, such as through an employer-sponsored plan, the policy may provide benefits if you're unable to work due to a covered disability.5
Certain individuals may also qualify for Social Security Disability Insurance (SSDI), which can provide additional financial protection. You may be eligible if:6
Life insurance pays a death benefit to beneficiaries after you pass away, but some policies may also have living benefits. If you purchase life insurance with living benefits, you may be able to access part of your death benefit if you become ill or you can use the cash value from a permanent life insurance policy once you've built up enough. 7
In addition to the federal government’s SSDI program, there are many government-sponsored programs and community organizations dedicated to helping cancer patients afford the care they need. You can view a list of resources at CancerCare.org.
A cancer diagnosis can be frightening, as well as financially challenging. While you most likely can't get cancer insurance after a diagnosis, you can explore other options, such as government-backed or community financial aid programs. If you haven't been diagnosed but have a family history of cancer, Aflac cancer insurance may help provide peace of mind. To learn more about coverage and the cost of cancer insurance, contact Aflac for a quote today.
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Lump-sum cancer insurance can protect you financially if you’re diagnosed with cancer. Learn how a lump-sum cancer insurance policy works and what it covers.
Cancer insurance can give you extra financial security in case you get a cancer diagnosis. Learn how cancer insurance works and the pros and cons.
Lump-sum cancer insurance can protect you financially if you’re diagnosed with cancer. Learn how a lump-sum cancer insurance policy works and what it covers.
Cancer insurance can give you extra financial security in case you get a cancer diagnosis. Learn how cancer insurance works and the pros and cons.
1 American Cancer Society – Cancer Insurance and Other Ways to Pay for Cancer Care. Updated June 25, 2026. https://www.cancer.org/cancer/financial-insurance-matters/understanding-health-insurance/other-types-of-health-coverage.html. Accessed July 23, 2026.
2 American Cancer Society – Can I Get Health Insurance If I Have Cancer? Updated June 26, 2026. https://www.cancer.org/cancer/financial-insurance-matters/understanding-health-insurance.html. Accessed July 23, 2026.
3 Washington State Office of the Insurance Commissioner. (n.d.) – ACA vs. non-ACA health coverage options. https://www.insurance.wa.gov/insurance-resources/health-insurance/health-insurance-coverage/aca-vs-non-aca-health-coverage-options. Accessed July 23, 2026.
4 Critical Illness Claim Advocate – Filing a Critical Illness Claim for Cancer. Published February 25, 2026. https://www.cicadvocate.com/resources/conditions/cancer-critical-illness-claim. Accessed July 23, 2026.
5 Chisholm Chisholm & Kilpatrick LTD – Can You Get Long-Term Disability (LTD) for Cancer? What To Know. Updated May 13, 2026. https://cck-law.com/erisa-law/types-of-long-term-disabilities/cancer/. Accessed July 23, 2026.
6 American Cancer Society – Social Security Disability Insurance for People with Cancer. Updated June 2, 2026. https://www.cancer.org/cancer/financial-insurance-matters/managing-health-insurance/social-security-disability-income-for-people-with-cancer.html. Accessed July 23, 2026.
7 Nerdwallet – What Are Life Insurance Living Benefits? Updated July 29, 2025. https://www.nerdwallet.com/article/insurance/living-benefits-life-insurance. Accessed July 23, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Cancer insurance is also known as Specified-Disease Insurance in some states.
Cancer/Specified-Disease, B70000 series: In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID & B70300ID. In Oklahoma, Policies B70100OK, B70200OK & B70300OK. A75000 series: In Virginia, policies A75100VA–A75300VA.
Critical Illness/Specified Health Event, A74000 series: In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA. A73000 series: In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100ID & A7310HID. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA & A7310HVA. B71000 series: In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK. Not available in Idaho or Virginia.
Short-Term Disability, A57600 series: In Arkansas, Policies A57600AR & A57600LBAR. In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In New York, Policy NY57600. In Oklahoma, Policies A57600OK &A57600LBOK. In Oregon, Policies A57600OR & A57600LBOR. In Pennsylvania, Policies A57600PAR &A57600LBPA. In Texas, Policies A57600TX &A57600LBTX. In Virginia, Policies A57600VA &A57600LBVA.
Life Plans – A68000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. In New York, Policies NY68200, NY68300 and NY68400. Whole Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. In New York, Policy NYR68100. B60000/Term Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware, Idaho, New York and Oregon. Whole Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies: ICC18B60C10, ICC18B60100. Not available in Delaware, Idaho, New York and Oregon. Q60000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania & Texas, Policy ICC18Q60200M. In Delaware, Policy Q60200M. In New York, Policy: NYQ60200M. Not available in Virginia. Whole Life: In Arkansas, Delaware & Oregon Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In New York, Policy: NYQ60100M. Not available in Virginia.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Other coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Cancer/Specified Disease plans, T70000 series: In Delaware, Policy T70000DE. In Idaho, Policy T70000ID. In Oklahoma T70000OK. Not available in Virginia.
Critical Illness: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA. Not available in Idaho.
Final Expense: In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Not available in New York.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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