Top 7 Health Insurance Plan For Cancer Patients

Who Should Buy Cancer Health Insurance Plan?

It is advisable for any of the following individuals to buy a cancer health insurance plan:

• People with a family history of cancer.
• Smokers and those with unhealthy habits.
• People living in unhealthy surroundings.
• Anyone wanting extra financial protection

Which Cancer Types are Covered?

Here is the list of common cancer types which get covered under the best cancer health insurance plans:

• Breast cancer
• Lung cancer
• Prostate cancer
• Ovarian cancer
• Colon cancer
• Bladder cancer
• Pancreatic cancer
• Colon cancer
• Stomach cancer
• Cervical cancer
• Thyroid cancer

What Should a Cancer Health Insurance Plan Cover?

The best cancer insurance plan should cover the following expenses:

• It should cover treatment for all stages of cancer and its treatment.
• It must offer a lump sum or regular payment in the final stage of cancer.
• Restrict premium after cancer diagnosis but continue with the coverage.
• It should cover hospitalization, medicines, and post-treatment care.
• Follow-up expenses should be covered with an add-on.

Benefits of Buying Health Insurance for Cancer Patients in India

Health insurance plans for cancer patients give financial and mental stability after a cancer diagnosis. Here are some benefits of such insurance plans:

Covers Expensive Treatment

Cancer treatments like chemotherapy, radiation, and surgery are quite expensive. With the help of cancer health policies, you can get financial support after a cancer diagnosis. You can get quality treatment without any stress or burden on your pockets.

Provides Lump Sum Payout

After knowing about the cancer disease, the insurance company pays a lump sum amount or a specific amount regularly to the patient. This money can be used for treatment purposes and offers financial freedom as well.

Covers All Stages of Cancer

Health Insurance plan for cancer patients in India covers all stages of cancer, including early and advanced, and their treatment expenses. Basic treatments such as initial tests, medications, and day-care procedures, along with expensive treatments like chemotherapy, surgery, or long hospital stays, are covered.

Saves Your Money

Cancer health insurance provides financial support for such expensive treatment, helping you to maintain savings. The best health insurance for cancer patients protects your money by covering hospital bills and related expenses.

Tax Benefits Under Section 80D.

Just like any other health insurance plan, you will get tax benefits in cancer health insurance as well. You can claim a tax deduction for the premium you pay under Section 80D of the Income Tax Act.

Peace of Mind

Cancer adversely affects not only the body but the mind and finances, too. With proper financial assistance, you can walk through the financial stress and uncertainty easily. You can focus on recovery rather than arranging funds for treatment.

List of the Best Cancer Health Insurance Plans for Patients

There are many health insurance plans for cancer patients in India, considering the needs of cancer patients. Here are the top 7 cancer health insurance plans in India with their specific features:

Care Cancer Mediclaim Policy

Some of the additional features of this policy are as follows:

• Chemotherapy and radiotherapy up to the limit of the sum insured.
• Cashless treatment at 24,800+ network hospitals.
• No pre-policy health check-up.
• Lifelong renewal option.
• No limit on ICU charges.
• Includes AYUSH treatments.
• Offers doctor-on-call & yearly health check-ups.

Star Cancer Care Gold Insurance Plan

Other benefits offered by the Star Cancer Gold Care Plan are as follows:

• The plan covers cancer if it attacks again or spreads.
• Pays for medical costs before and after your hospital treatment.
• Covers room, nursing care, and doctor’s fees.
• Also covers surgery, tests, medicines, and other hospital charges.
• 9900+ network hospital provides cashless treatment.

Aditya Birla Activ Cancer Secure Plan

Here are some of the characteristics of this plan:

• Provides payout amount at all three stages of cancer.
• Has a short 7-day survival period.
• Offers a 10% no-claim bonus if no claim is made.
• Covers the whole family under a family floater plan.
• Covers expenses of a wellness coach and a second opinion.
• You can also get tax benefits on the premium paid.

HDFC Ergo Ican Plan

Some of the other benefits of HDFC Ergo Ican PLan are:

• Cashless treatment in 1600+ cashless hospitals.
• Covers chemotherapy, radiotherapy, surgeries, and transplant expenses.
• Includes pre-hospitalisation and post-hospitalisation expenses.
• Provides ambulance cover up to ?2,000.
• Covers reoccurred cancer as well.
• It covers OPD (outpatient department) and daycare treatment.

Niva Bupa Criticare Health Insurance Plan

Some of the features of this plan are as follows:

• Lump sum amount paid on claim approval.
• Pre-existing conditions are covered after a waiting period.
• ICU charges, OPD treatment, and daycare treatment expenses are covered.
• Covers 20 critical illnesses, including cancer of specified severity.
• Hospital cash to deal with non-medical expenses is included.

Future Generali Criticare Plan

Some of the additional features of this policy are as follows:

• Cancer of specified types is covered.
• Provides lumpsum amount of the sum insured to the policy holder.
• It offers a free look-up period.
• You can also get tax benefits under Section 80D.
• No medical test till the age of 45 and 5 lakh sum insured.

New India Assurance Cancer Guard Plan

Some of the other benefits of this plan are as follows:

• It has a 7500+ cashless hospital network.
• Ambulance covers up to ?3,000 per hospitalization.
• Covers 58 daycare treatments.
• Covers organ transplant expenses.
• The second opinion for surgery up to ?5,000.
• Post-treatment checkup up to ?10,000.

Conclusion

Cancer treatment can put a lot of financial and mental stress on the patient. To tackle the burden smoothly, it is required to be insured under cancer health insurance. Any of the top 7 Health insurance plans for cancer patients in India discussed above can be the right choice for you.

With these plans, you can easily focus on your treatment and have peace of mind as well. In case you find any problem in choosing the right plan and want to know more about them, contact us without any hesitation. Our customer care service is available 24*7 to help you with the best.