Cancer Insurance Plan

About Cancer Insurance

Lifelong Cancer Protection at Unbeatable Price
Cancer Cover for all Stages*
Avail No Claim Bonus
Advanced treatment like Chemo, Radiotherapy & more

What is a Cancer Insurance Cover?

Life sometimes throws unexpected challenges before us. Illnesses are one of them. Among the various ailments known to us, cancer is a critical disease that is one of the chief causes of death across the world. It is a disheartening fact that the number of cancer cases in India has increased over the years. Besides, the prolonged treatment of the disease is expensive. Buying a cancer insurance policy is advisable to safeguard oneself financially.

A cancer insurance policy is a type of health insurance cover that offers lifelong financial protection against various medical expenses resulting from the treatment of cancer at all stages.

What is Included in a Cancer Insurance Plan?

The cancer insurance plan is an indemnity-based plan that offers cover for treatment of cancer at all stages. It comes with the following benefits:

In-Patient Hospitalization Cover
Cover for Pre and Post Hospitalization Medical Expenses
Day Care Treatment
Ambulance Cover
Chemotherapy and Radiotherapy Cover
Cover for Ambulance and ICU Charges
Organ Donor Cover
Alternative Treatment
Cover for OPD Expenses
Annual Health Check-up
Second Opinion
No Claim Bonus
Lifelong Renewability
Global Coverage
No Specific Ailment Waiting Period
In addition to the features we have listed here, the cancer policy allows you to avail of optional benefits and access health services, such as doctor on call and quick recovery counselling.

How Important is Cancer Health Insurance for Your Family?

The rising cases of cancers in our country are ringing alarm bells. Unhealthy lifestyle choices, family history, and other factors have made people susceptible to this dangerous disease. The importance of a cancer plan cannot be stressed enough. The progress achieved in cancer research, diagnosis, prevention, & treatment is praiseworthy. However, considering the uncertainties of life, it is always wise to get a health cover to manage any unexpected surge in medical expenditures.

A cancer health insurance policy is a specialised health cover that will act as a vital financial back-up when a person is diagnosed with the disease. It gives a cushion to your regular health plan that alone may not be sufficient to bear the enormous treatment costs.

Here are some reasons why a cancer policy is necessary:

Cancer is a dreaded disease and requires specialised medical care. This indemnity health plan will cover various cancer treatment-related expenses, thus keeping your family financially safe.

A cancer cover is necessary for anyone leading a hectic lifestyle. More importantly, if the disease runs in the family, investing in this policy will be a step in the right direction.

It works as an additional health cover along with your existing health policy. A regular health policy is not enough for covering the treatment of this illness

Cancer treatments have advanced, but you also need to consider how expensive they can be in these times of medical inflation.

The best cancer insurance plans cover various cancers at all stages. You have the advantage of reviewing the options and make a well-informed decision.

Thus, this health insurance for cancer patients provides you with the much-required financial back-up and peace of mind that will enable you to think only about your health and not about finances.

This health insurance for cancer patients thus provides you with the much-required financial back-up and peace of mind that will enable you to think only about your health and not about finances.

Key Factors to Keep in Mind While Opting for a Cancer Insurance Policy

A cancer insurance policy protects you from the burden of expensive medical treatment. Consider the following factors before buying one:

Sum Insured: The cost of medical treatment in India is staggeringly high. And, the rate at which it is increasing is equally alarming. Thus, we recommend that you choose a policy with a high sum insured.

Features: Make sure your policy has features such as cover for pre-and-post hospitalization medical expenses, medical procedures like chemotherapy, organ donor cover, etc.

Types and Stages of Cancer: Remember to check if your policy provides coverage for all stages of cancer. Also, check the types of cancer covered by the policy.

Waiting Period: The waiting period must be completed before you can get a claim. So, make sure you check the waiting period when buying a cancer cover policy.

Also, read the policy document carefully to understand the exclusions. Find out if there is an option of paying the premium in monthly or quarterly instalments or a single payment.

Exclusions in Cancer Insurance?

There is an initial waiting period of 90 days in the cancer insurance plan. The insurer shall not offer coverage if the insured undergoes a diagnosis of the illness or any surgical procedure during this period.

A health insurance policy has specific exclusions that every policyholder must know. It will help you to prepare yourself for the out-of-pocket expenses.

Given below are the permanent exclusions of the cancer policy:

Act of self-inflicted injury attempted suicide or suicide

Any illness related directly to the consumption of alcohol/ tobacco/ cigarettes, etc.

HIV or any other sexually transmitted disease

Cosmetic or plastic surgeries or related treatment

Pregnancy, miscarriage, childbirth, maternity including C- section, abortion, or complications of any of these

All the hazardous activities

Damage caused by a nuclear, chemical, or biological attack or weapons

Illness or injuries caused due to any breach of law by the insured with any criminal intent