Cancer Insurance Support
AF Limited Benefit Cancer Insurance is designed to help ease the financial pressures of cancer treatment, so you can focus on your recovery. Learn more about cancer insurance from the frequently asked questions and additional resources below.
Cancer Insurance FAQs
General
Does the payment go to me or my doctor?
Your benefit is paid directly to you, so you may apply the money toward your medical costs or daily living expenses as needed.
How do I allow others to speak to American Fidelity on my behalf?
In order for American Fidelity to release information to anyone other than the policyholder, the policyholder will need to update the Friends/Family Authorization to Disclose Information Including PHI to include the names of the individuals or organization we can release information to. Alternatively, the policyholder may create and submit a signed and dated statement indicating who they are giving authorization to speak on their behalf. If the policyholder is unable to sign their own authorization, we would need a Power of Attorney on file to release any information.
Claims
How do I file a cancer insurance claim?
The fastest way to file a cancer insurance claim is through your online account, or on our mobile app, AFmobile®.
- Log in to your online account
- Download AFmobile from the Apple App Store or Google Play Store
For more details on how to file a claim, including required documentation and a step-by-step instructional video, visit our cancer insurance claim page.
Where do I get a claim form?
You can download and print a paper claim form here. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.
For more details on how to file a claim, including required documentation and a step-by-step instructional video, visit our cancer insurance claim page.
What documentation do I need to submit?
When filing a cancer insurance claim you will need to provide the following documentation:
- Statement of Insured, completed via online claim filing or paper claim form
- Pathology report from first diagnosis of cancer
- Itemized bills with diagnosis from each provider— including a complete breakdown of charges for each date of service
- Prescription drug receipts
- For the transportation benefit, documents showing how many miles you traveled and the date(s) specific to the treatment
We may also need:
- Authorization to Disclose Information Including PHI: This form gives us authorization to get records from your medical provider(s) and others who may hold information necessary for us to review your claim. Upload the form via your online account, or mail or fax it.
For more details on how to file a claim, including a step-by-step instructional video, visit our cancer insurance claim page.
What is the processing time once a claim is submitted?
Claims are generally processed within 5-7 business days.
However, your cancer policy’s annual diagnostic testing and screening benefit may qualify for quick processing. When you submit your diagnostic testing and screening benefit claim online or through AFmobile, you can receive payment in as little as one day when enrolled in direct deposit, no extra documentation required.
Benefits
Does my cancer screening test have to result in a diagnosis of cancer to receive the Cancer Screening Benefit?
No. The diagnostic and screening benefit is available without a diagnosis of cancer. This benefit pays an indemnity benefit for a covered person who receives a screening test that is generally medically recognized to detect internal cancer, like a mammogram, colonoscopy, or a prostate-specific antigen (PSA) blood test. You can file a claim for this benefit once per covered person per calendar year.
My cancer policy includes the optional Intensive Care Unit Rider (AMDI-240 Series). Does this rider only pay a benefit for ICU confinement when due to cancer?
No. Benefits are payable for the covered person’s ICU confinement due to any accident or sickness, subject to limitations and exclusions as shown in the rider.
What is a Schedule of Benefits?
A document that details information about specific plan benefits. You can view your Schedule of Benefits in your policy document through your online account.
How many cancer screening tests can I submit per year?
Each calendar year, we will pay the indemnity amount shown in the Schedule of Benefits for each covered person who receives a covered screening test. It covers one test per covered person per year.
Eligibility
What is the age limit to cover my child(ren) under my cancer policy?
Children may continue to be covered under a parent’s cancer policy until age 26.
Can I cover my child if he/she is married/doesn’t live in my household/is no longer attending school?
Yes. Children may continue to be covered under a parent’s cancer policy until age 26 regardless of marital status, student status, and whether he/she lives with you.
My covered child just turned 26. Can he/she purchase his/her own policy?
Yes. As long as the covered child contacts the American Fidelity home office within 60 days of his/her 26th birthday, he/she may convert to his/her own policy with no additional medical questions or underwriting.
Can I keep my cancer coverage if I leave my employer?
Yes, the individual cancer base policies are guaranteed renewable for life. As long as you continue to pay required premiums, coverage will continue.
Examples of Cancer Insurance Benefits
For a covered cancer diagnosis, benefits may include:
- Travel and lodging
- Experimental treatment
- Chemotherapy
- Drugs and medicine
- Medical imaging
- Surgery and anesthesia
- Lab work
Screening Benefits
This benefit pays the indemnity amount for one generally medically recognized internal Cancer screening test per covered person per calendar year. This benefit may also qualify for quick claims processing.
Tests include but are not limited to:
- Mammogram
- ThinPrep Pap Test
- Prostate-specific antigen (PSA) Blood Test
- Colonoscopy
- Chest X–ray
Log in to your online account to view your policy details.
Prepare for the Unexpected
Cancer insurance can help you pay for a portion of cancer-related expenses, like experimental treatments, chemotherapy, or transportation, when receiving treatment or seeing specialists. Watch this short video to learn about cancer insurance.
Get Paid Quicker
Your annual screening benefit may qualify for AFQuickClaims® processing, meaning you could receive your benefit for eligible claims in as little as one day when you’re enrolled in direct deposit.