|Lip / Oral
|Lip / Oral
|Star Cancer care gold
|Religare Cancer mediclaim
|HDFC ERGO Women Cancer Plus
|New India Cancer Guard
|Raheja QBE Cancer
|Upto 3 years
|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
|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
|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
|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
|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)
The minimum and maximum age eligibility for purchasing cancer insurance differs between insurance companies, but the average age is between 5 months and 65 years. Also the policy allows lifetime renewability.
Cancer insurance policies may be purchased individually or as a supplement with your health insurance. You would not be eligible for a cancer insurance policy if you already have been diagnosed with cancer. Cancer insurance usually pays a lump sum amount on the diagnosis of the illness which is towards medical or treatment expenditures and the rest at ongoing stages of treatment.
Yes, normally there is a waiting period of 30 days is applicable for cancer insurance policies.
One can claim a tax exemption on the premium paid. Also no tax is paid on the claims settlement received if there is a claim filed with the insurer. Cancer insurance plans are eligible for tax deductions of up to ₹25,000 as per Section 80D of the Income Tax Act, 1961. Senior citizens may be eligible for higher tax benefits.
Yes, since the coverage is complimentary to an indemnity based health insurance plan, one can buy this plan along with your existing health insurance plan to have extra coverage against this disease.
Health insurance companies may offer cancer insurance to individuals with a family history of cancer, but generally at a higher premium. Such applicants have a higher scope of being diagnosed of the disease, thus, making insurers quote a higher premium.
The minimum and maximum sum assured for cancer insurance varies between insurance companies and cancer insurance plans but varies within the ranges of ₹1 lac upto ₹50 lacs. Check the same with your insurance company before purchasing a cancer insurance policy.
No, cancer policy does not cover pre-existing illness. There is a waiting period (normally 24 months) before these diseases get covered.
Yes, smokers and drinkers can apply for cancer insurance plans. However, they will be offered a comparatively higher premium rates by insurers.
Yes, most your regular health insurance plan may offer coverage for cancer and its related treatment expenses.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more