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CASE STUDY Cancer Insurance Close-up of a woman sitting on a bench outside and holding a coffee mug. How the plan worked for Sara After her breast cancer diagnosis, Sara began treatment immediately. Her Kemper Health Cancer* insurance plan helped her stay focused instead of worrying about bills. Her plan paid ongoing benefits after her diagnosis. As she continued to file claims, Sara continued to receive benefits to help keep the bills paid and protect her savings. Chart showing benefits paid to Sara for medical expenses. Initial Diagnosis: $5,000 Radiation/Chemotherapy**: $15,000 Surgery: $6,000 Colony Stimulating Factors: $6,000 Reconstruction Surgery: $6,000 Hospital Confinement***: $2,500 Total paid to Sara: $40,500 *Coverage based on Kemper Health voluntary worksite Cancer insurance plan. Actual coverage may vary. Please check for your state’s plan availability at kemperbenefits.com. **Radiation/Chemotherapy benefit based on $500/day benefit for 5 days of treatment for 6 weeks – a standard schedule for whole breast radiation. Source: American Cancer Society www.cancer.org. ***Based on $250/day benefit for 10 days of hospital confinement. This case study is a fictional example based on estimated costs. Please see Kemper Health voluntary worksite Cancer insurance Features and Benefits before making a decision.
CASE STUDY Critical Illness Insurance Close-up of a father and young son sitting on the couch and eating popcorn together. How the plan worked for Terrence Terrence was diagnosed with Multiple Sclerosis at age 34. He was concerned about how he would afford his expensive specialty medications while taking care of his son. His Kemper Health Critical Illness* insurance plan paid a cash benefit of $20,000 directly to Terrence to help cover his deductible, copayment and other unexpected costs after his diagnosis. Chart showing how Terrence used his Critical Illness benefit to pay for health and living expenses. Medical Insurance Deductible: $1,600 Medical Insurance Copayment for Medications and Services**: $780 Home Health Aide: $3,620 Car Payments (5 months): $2,000 Mortgage (5 months): $6,250 Child Care: $2,000 Groceries: $3,750 Total paid to Terrence: $20,000 *Coverage based on Kemper Health voluntary worksite Critical Illness Enhanced Plan. Actual coverage may vary. Please check for your state’s plan availability at kemperbenefits.com. **Based on copayment estimate by GoodRx www.goodrx.com. This case study is a fictional example based on estimated costs. Please see Kemper Health voluntary worksite Critical Illness insurance Features and Benefits before making a decision.

Cancer Insurance

A Kemper Health Cancer insurance policy gives employees an extra layer of financial security during tough times. Employees can use cash benefits to help keep the bills paid and protect savings so they can focus on getting better.

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One in four survivors reported problems paying medical bills, and 33% reported worry about medical bills.1

The Kemper Health Cancer insurance policy is designed to offer a wide range of benefits for employees and their covered dependents, including:

  • Broad range of first-diagnosis benefit levels with the option to include specified disease.
  • Robust benefit options for radiation/chemotherapy/immunotherapy.
  • Flexible coverage options for hospital confinement, surgery and more.
  • Choices for ICU, Benefit Enhancement and Heart Attack/Stroke riders.
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See Our Cancer Insurance Policy in Action

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How it Works

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Select a policy option.

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The policy pays a one-time, lump-sum first cancer diagnosis benefit.

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As treatment begins, the policy pays additional benefits including:

  • Radiation/chemotherapy/immunotherapy
  • New or experimental treatment
  • Second and third surgical opinions, drugs and medicines, lodging and transportation, and other expenses.
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Critical Illness Insurance

A critical illness diagnosis can be not only a physical strain for employees but also a financial strain. Help employees focus on recovery and rest assured knowing they’re protected financially with Kemper Health’s Critical Illness insurance.

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Every 40 seconds, approximately one person in the United States will have a heart attack.2

Kemper Health Critical Illness insurance is a reliable and straightforward solution that helps employees protect their finances when diagnosed with a serious illness. With a Critical Illness insurance policy, employees have:

  • Comprehensive and flexible plan design options.
  • Wellness benefit.
  • Coverage for spouse and children up to 100%.
  • Optional Parent Care Alzheimer’s benefit rider and Family Assistance and Care benefit rider.
dad and son

See Our Critical Illness Insurance Policy in Action

View Case Study >>

How it Works

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Select a Policy option.

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When the diagnosis of a covered critical illness occurs, the policy pays the insured a lump-sum benefit amount based on the policy the employee enrolls in and the illness.

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Should there be a reoccurrence of the same illness or an additional diagnosis of a different covered illness, the policy provides ongoing benefits.

Help employees prepare for the unexpected.

1CDC “Annual Out-of-Pocket Expenditures and Financial Hardships Among Cancer Survivors 2011-2016,” (2019) www.cdc.gov/mmwr/volumes/68/wr/mm6822a2.htm?s_cid=mm6822a2_w

2Vise, Sharlotte. “At-A-Glance Heart Disease and Stroke Statistics 2018.” Health Metrics, American Heart Association, 31 Jan. 2018, healthmetrics.heart.org/at-a-glance-heart-disease-and-stroke-statistics-2018/.