Does Critical Illness Insurance Cover Prostate Cancer? 
It 's 2016 . Let me add to this with an updated reply : We work with about 12 carriers that offer Critical Illness . There only tends to be two `` not covered areas '' with some policies . # 1 . Certain types of Skin cancer are not covered . Skin cancer means melanoma and non-melanoma skin cancer . Understand if and at what level skin cancers are covered . Melanoma of the skin , the deadliest form of skin cancer , is the fifth most common type of new cancer diagnosis in American men and the seventh most common type in American women . SO make sure skin cancer is covered . # 2 Know the difference between Invasive Cancer & Carcinoma in Situ -LRB- Non-Invasive Cancer -RRB- . All policies pay a reduced amount for in Situ . Carcinoma in Situ is the earliest form of cancer which involves only the tissue where it is found and has not invaded the surrounding tissue or organs in the body . So when the cancer is smaller and localized , it 's not nearly as `` threatening '' . The benefit amount for in Situ is a percentage of the full amount . So if you bought a $ 10,000 critical illness policy , a typical plan pays 25 % of the benefit amount for in Situ . Or in this example , $ 2500 . The good news is that the other $ 7500 is still there for you to access should the cancer spread . KNOW the percentage that is paid out . I still believe some carriers only pay out at 10 % for in Situ ... I suggest a carrier that is at 25 % . So this is n't a `` not covered issue '' . Invasive vs. in Situ is just know at what level your benefit pays out . Something else ... we lean towards plans that trigger a benefit upon diagnosis , not treatment of , the critical illness . Consider the organ transplant coverage . You need the $ $ way before the actual transplant . It can take months before you are 1st in line for an organ . As with all my other posts , we let underwriting determine the best choice for someone and then the coverage for the premium paid . BYE THE BEST you can qualify for folks ... . Reach out and I can work on getting you a copy of `` Stop Wasting Your Money on Insurance '' . - gravy 