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Can I buy disease specific insurance if I already have the disease?

Dr. Michael Roizen, MD
Internal Medicine
Disease-specific insurance was originally designed to provide protection after a diagnosis or treatment of a critical disease. However, now you usually cannot buy disease-specific insurance after you have developed the disease. Be aware, there are people who will try to scam you by selling you disease-specific insurance after your diagnosis. Some call these legal robbery policies, because the restrictions you must meet before you get paid or reimbursed are often so encompassing that you are more likely to be hit by lightening twice in a day than benefit from one.

Although there are laws and regulations in place regarding pre-existing conditions and basic health care coverage, because disease specific insurance is a supplemental plan, these laws may not apply. Many providers specify that if you already have, for example, diabetes or cancer, that you cannot then purchase a policy to protect you from that disease. You may consider purchasing a high-risk insurance policy to cover a preexisting condition.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.