|Star Cancer care gold||Religare Cancer mediclaim||HDFC ERGO Women Cancer Plus||New India Cancer Guard||Raheja QBE Cancer|
|BUY NOW||BUY NOW||BUY NOW||BUY NOW||BUY NOW|
|1 year||1/2/3 years||Upto 3 years||1 year||1 year|
|Persons between the age of 5 months and 65 years, who have already been diagnosed with Cancer (Stage 1 or Stage 2) can avail this insurance.||5 years to 50 Years on Individual Basis
||18 to 65 years||3 months to 65 years||1 day to 70 years can opt for this insurance cover|
|Sum Insured (SI)|
|Rs.3,00,000/- and Rs.5,00,000/-||10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore||3 Lakhs to 1 Crore||5 Lakh | 10 Lakh | 15 Lakh | 25 Lakh | 50 Lakh||Rs.1 Lakh and in multiples thereof subject to a maximum of Rs.10 Lakhs|
|Individual : Maximum up to 6 Persons||Individual and Family Floater||Individual||Sum Insured options starting from Rs.1 Lakh and in multiples thereof subject to a maximum of Rs.10 Lakhs available under this policy.
50% of Sum Insured or Rs. 2,50,000 whichever is less as lump sum amount on acceptance of claim.
|Up to 30 days prior to the date of admission||30 days||-||Relevant medical expenses, towards treatment of Cancer, incurred before admission inthe Hospital for a period of THIRTY (30) days prior to the date of admission under Pre Hospitalisation Medical Expenses||-|
|Up to 60 days prior to the date of admission||60 days||-||Those incurred after Discharge from the Hospital for a period of SIXTY (60) days after the date of discharge are payable are payable under Post Hospital Medical Expenses||-|
|Day care treatments|
|All day care treatments||Listed as per the Plan, Up to Sum Insured||-||58 daycare procedures are covered||-|
|Emergency Ambulance charges for transporting the Insured person to the hospital up to a sum of Rs.1500/- per hospitalization and Rs.2000/- per policy period.||Up to Rs. 3000 per hospitalization||-||Up to Rs. 3000 per hospitalization||-|
|Lifelong Renewability||Lifelong Renewability||Lifelong Renewability||Your Policy can be renewed, as long as You pay the Renewal Premium before the dateof expiry of the Policy or within grace period||On every claim free Renewal, No claim bonus( NCB) of 5 % ( Max upto 25%)|
|General waiting period|
30 months waiting period :
Treatment must have commenced only after waiting period for an admissible claim under
Section 2 and Section 3:
||90 days and 180 days as per the illness specified in policy wordings
1 year for Pregnancy and Newborn Complications.
4 Years for all Pre-existing Conditions declared and/or accepted at the time of applying first policy with us.
|10% co-pay shall be applicable on each and every claim under Section 2 and 3
if you are aged above 60 years during first inception of this policy. Such co-payment shall be
applicable for renewal also.
If your age is upto 60 years during first inception of this policy then co-payment condition shall not be applicable
|Up to SI*; only for SI* >=1Cr (Limited to In-Patient Care and Day Care treatment) with a Co-payment of 10% per Claim||-||-||-|
|For Section 1:
a) Certificate from the Treating Doctor confirming the recurrence/metastasis / second malignancy of Cancer
b) Clinical, radiological, histological, pathological, histopathological and laboratory reports in support.
For Section 2 and Section 3:
· Call the 24 hour help-line for assistance-1800 425 2255/ 1800 102 4477. Inform the ID/Policy number for easy reference
· In case of planned hospitalization, inform 24 hours prior to admission in the hospital
· In case of emergency hospitalization, information to be given within 24 hours of hospitalization
· Cashless facility can be availed in all network hospitals wherever possible
· In non-network hospitals payment, must be made up-front and then reimbursement will be effected on submission of documents if claim is found admissible
|No Claims Bonus - 50%/25%/25%-Corresponding increase in SI* for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI*||-||-||50% of Sum Insured or Rs. 2,50,000 whichever is less as lump sum amount on acceptance of claim.|
|1) No Third Party Administrator, direct in-house claims settlement.
2) Faster and hassle – free claim settlement.
3) Cashless facility wherever possible in network hospitals.
|1)Pre and post
2)Chemotherapy & Radiotherapy Cover
3)No specific ailment waiting period
|Cancer Cover, Carcinoma in Situ, Major Illnesses Covered, Minor Illnesses Covered||
||Covers all types of Cancer (except Cancer caused in presence of HIV & Kaposi Sarcoma which is one of the many forms of skin cancer)
Covers very early stage forms as well ( regardless of location and spread of cancer)
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Continue reading