<prompt> Human: My employer offers a benefit called critical illness. It pays you a cash lump sum for things like heart attack, stroke, paralysis, etc. I am most interested in the cancer portion, which pays you 15,000 upon diagnosis. I am a mid thirties male, who is 3 years in remission from cancer, so I am definitely in a higher bracket in terms of possible recurrence. In fact, I would probably not be able to get this type of insurance anywhere else, except that my employer guarantees coverage. It costs 20 a month. Thoughts?EDITI just want to clarify: This Cancer Insurance is not insurance to pay for cancer treatment. That is already covered as part of the health plan. This is essentially an Aflac type policy, where if I get critically ill, they give me a lump sum of cash of 15k. It would pay out for things like cancer, heart attack, stroke, organ transplant. My health plan already covers medical treatment. This is simply a small indemnity plan that will pay out if certain conditions are met. I was considering this since I have already had cancer in the past, which puts me in the position where a recurrence is more likely, and they would still accept me as long as I have been cancer free for 2 years. From my last cancer experience, a lump sum of 15k, would have been a huge help with expenses. Even short term disability only covers 80 of salary, so it would be nice to have that as a supplement, cover my deductibles, etc.  <response>: Sounds like Aflac.If it is, I would purchase it, considering your history. I had the same policy a few years ago my mom is a cancer survivor and it paid out for any cancer diagnosis except skin cancer. 