Tips if you're considering a critical illness policy:

1. Find out how your primary health plan covers cancer treatments. Inquire how it aligns with other coverage too. Most have a coordination-of-benefits clause that eliminates or restricts claim payouts when duplicate coverage is in place.

2. Confirm that the critical illness policy complements your major medical insurance. Review coverages and restrictions outlined in the cancer policy. Look for limitations excluding skin melanoma or linking benefits to a hospital stay. Ask about caps for certain procedures or therapies, a benefit waiting period, and if claim payouts end after a certain time.

3. Critical illness policy prices and terms vary by insurer, so shop around. Choose a financially stable company licensed in this state with a good complaint record. Return the policy for a full refund within ten days if you're unsatisfied.