Does Critical Illness Insurance Cover All Cancers?

Shawn Plummer

CEO, The Annuity Expert

Does Critical Illness Insurance Cover All Cancers?

Coverage for Invasive Cancer: 100%

Critical Illness (CI) insurance typically covers invasive cancers fully, providing 100% of the benefit amount. Invasive cancers are those that have spread beyond the layer of tissue where they developed and have the potential to spread to other parts of the body.

Non-Invasive Cancer Coverage: 25%

Non-invasive cancers, also known as carcinoma in situ, are usually covered at a lower percentage, commonly 25%. These are cancers that have not spread beyond the original tissue or site.

Related Reading: Does Critical Illness Cover Basal Cell Carcinoma?

Combined Coverage Limitation

It’s important to note that the total coverage for invasive and non-invasive cancers combined cannot exceed 100% of the policy amount. This means that if you have already claimed for non-invasive cancer, it will reduce the amount available for a subsequent invasive cancer claim.

Child Critical Illness Rider Exclusion

CI policies often have an option to add a child rider, providing coverage for the policyholder’s children. However, this rider typically does not cover cancer diagnoses, either invasive or non-invasive.

Cancer Coverage in Critical Illness Insurance

Cancer TypeCoverage PercentageNotes
Invasive Cancer100%Full benefit amount
Non-Invasive25%Carcinoma in situ
Combined Maximum100%Total limit for all cancer claims
Child CI RiderNot CoveredExcludes cancer coverage for children


Critical illness insurance offers significant coverage for both invasive and non-invasive cancers but with certain limitations and exclusions, particularly concerning coverage for children. It’s crucial to understand these details to effectively manage expectations and financial planning. Contact us today for a free quote.

Request A Quote

Get help or a quote from a licensed financial professional. This service is free of charge.

Contact Us

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

Scroll to Top