Whom Can You Contact?
Entry age: 18-65 years. Waiting period: 180 days. Sum assured: Min Rs 10 lakh, max Rs 50 lakh. Policy term: Min 5 years, max 20 years. Maturity age: 75 years.
Lumpsum payment: (a) On diagnosis of early stage of cancer, 30% of sum assured on Illness will be paid. (b) At major stage of cancer, 100% of the sum assured less earlier payments
At early stage of cancer, premiums for the next 5 years are waived off.
Under an Option, 1% of sum assured will be paid each month at major stage cancer for a period of next 5 years.
Under another Option, sum assured increases by 10% for 10 years.
1800-270-7000
Entry age: 18 to 65 years. Sum assured: Min Rs 10 lakh, max Rs 50 lakh. Policy term: Min 5 years, max 70 years minus entry age. Maturity age: 70 years.
Lumpsum payments: (a) At minor stage of cancer: 25% of sum assured subject to a max of Rs 5 lakh on diagnosis of early stage cancer, in-situ carcinoma (b) At major stage of cancer: 100% of sum assured less earlier payouts (c) At critical stage of cancer: 150% of sum assured minus earlier payouts.
All premiums waived off after claim of major stage cancer.
1800-209-9090
Entry age: 5 to 65 years. Waiting period: 4 months. Sum insured: 5, 10, 15, 20, 25, 50 (in lakhs). Following expenses are reimbursed: Hospitalisation, 30 days pre-hospitalisation, 60 days post-hospitalisation.
Lumpsum payments: On diagnosis of cancer of severity: 60% of sum insured. On diagnosis of stage IV cancer or recurrence: 100% of sum insured less earlier lumpsum payout, if any.
Toll Free: 022-3800 0896
Entry age: 5 to 65 years. Waiting period: 4 months. Sum insured: 5, 10, 15, 20, 25, 50 (in lakhs). Following expenses are reimbursed: Hospitalisation, 30 days pre-hospitalisation, 60 days post-hospitalisation.
No lump sum payments on cancer diagnosis.
Toll Free: 022-3800 0896
Age at entry: 18 to 65 years. Waiting period: 3 months. Sum insured: Min Rs 10 lakh, max Rs 40 lakh. Policy term: Between 10 to 20 years, renewable upto 75 years.
Lumpsum payments: (a) 25% on diagnosis of early stage cancer, in-situ carcinoma (b) 100% less earlier payout on diagnosis of major cancer.
No premiums payable for 3 years after a claim of early stage cancer or in-situ carcinoma.
Sum assured increases by 10% every year until a claim, with a ceiling of 200% of original sum assured.
1800-266-9777
Age at entry: 18 to 65 years. Waiting period: 3 months. Sum insured: Min Rs 10 lakh, max Rs 40 lakh. Policy term: Between 10 to 20 years, renewable upto 75 years.
Lumpsum payments: (a) 25% on diagnosis of early stage cancer, in-situ carcinoma (b) 100% less earlier payout on diagnosis of major cancer.
No premiums payable for 3 years after a claim of early stage cancer or in-situ carcinoma.
Sum assured increases by 10% every year until a claim, with a ceiling of 200% of original sum assured.
Additional benefit of 1% of sum assured every month for 5 years on diagnosis of major cancer.
1800 266 9777
Age at entry: 18 to 65 years. Waiting period: 3 months. Sum insured: Min Rs 10 lakh, max Rs 40 lakh. Policy term: Between 10 to 20 years, renewable upto 75 years.
Lumpsum payments: (a) 25% on diagnosis of early stage cancer, in-situ carcinoma (b) 100% less earlier payout on diagnosis of major cancer.
No premiums payable for 3 years after a claim of early stage cancer or in-situ carcinoma.
1800-266-9777
Age at entry: 18 to 65 years. Policy term: Min 5 years, maximum 40 years. Renewable upto age 75. Hospitalisation payment of Rs 5,000 per day for a total of 30 days over the entire policy term.
Lumpsum payments: (a) 25% on diagnosis of minor condition (early stage cancer, in-situ carcinoma) (b) 100% less earlier payout on diagnosis of major condition (cancer with severity).
No premiums payable even after a minor cancer condition.
Sum assured increases by 10% every year until a claim, with a ceiling of 200% of original sum assured.
Additional benefit of 1% of sum assured every month for 5 years on diagnosis of major condition.
1860-266-7766
Age at entry: 20 to 65 years. Waiting period: 180 days. Sum assured: Min Rs 10 lakh, max
Rs 50 lakh. Policy term: Min 10 years, max 30 years. Age at maturity: Min 50 years, max 75 years.
Lump sum benefit; (a) At early stage cancer 25% of sum assured (b) At major stage cancer 100% of sum assured is paid less earlier payouts.
Premium waiver benefit: (a) At early stage cancer premiums for next 3 years are waived off (b) At major stage cancer all future premiums are waived off. 100% of sum assured is paid less earlier payouts.
On diagnosis of major stage cancer, 1% of sum assured shall be payable each month for a period of 10 years.
Above is Option 1. Under Option 2, additionally sum assured increases by 10% each year for 5 years.
1800-425-9876 or SMS YOUR CITY NAME to 56767474
Age at entry: 25 to 65 years. Sum insured: Min Rs 10 lakh, max Rs 50 lakh.
Policy term: Min 10 years, max 40 years. Maturity age: 75 years.
Lumpsum payments: (a) 20% on diagnosis of early stage cancer, in-situ carcinoma) (b) 100% less earlier payout on diagnosis of major stage cancer.
All future premiums waived off after claim of early stage cancer or in-situ carcinoma.
Sum assured increases by 10% every year until a claim, with a ceiling of 150% of original sum assured.
Additional benefit of 10% of sum assured every year for 5 years on diagnosis of major cancer.
1860-120-5577
Age at entry: 18 to 65 years. Waiting period: 180 days. Policy term: 10, 15 or 20 years. Sum insured: Min Rs 5 lakh, max Rs 40 lakh.
Lumpsum payments: (a) Mild Stage: 25% of sum assured (b) Moderate Stage: 50% of sum assured (c) Severe Stage: 100% of sum assured less earlier payouts.
Maturity benefit and death/terminal illness benefit can be opted for.
No premiums payable for 5 years after Mild or Moderate Stage, if opted for.
Above terms are for ‘Gold Plan’. Under ‘Platinum Plan’, additional benefit of 1.5% of sum assured every month for 5 years on diagnosis of Severe Stage.
1800-425-6969
Please go to 'Whom Can You Contact?' section below to get details of insurance policies available for healthy individuals for protection from cancer risk.
The need for health insurance which also covers cancer…
India is witnessing a cancer flare-up with about one million new cancer cases believed to be arising each year. About 2.8 million people have cancer at any point of time and half a million die of the disease each year. The number of cases is expected to go up as a result of an increase in life expectancy, changing lifestyles and risk factors such as high tobacco use. Therefore, it is obvious that the risk of cancer should be covered.
First of all, every person should have a regular health plan (such as Mediclaim) which reimburses total hospitalisation expenses incurred in a year to the extent of 70% to 100% up to the sum insured. These plans are to be renewed annually. Critical illnesses like cancer are covered but after a waiting period is 3 to 4 years from the date of policy inception. Start with a health cover of at least Rs 5 lakh to cover hospitalisation. Add a top-up cover of Rs 20 lakh to enhance the overall cover.
Critical illness insurance plans and cancer-specific plans...
In addition to the regular health plan, one may consider (a) Critical illness rider to the regular plan or (b) Critical illness plans or (c) Cancer-specific plans. Critical illness riders and plans cover 10 to 40 critical illnesses, including cancer. The sum insured is paid in lumpsum at the defined stage of the critical illness.
Cancer-specific plans cover the risk of cancer only and pay the insured amount in lumpsum form in 1 or more instalments at defined stages of cancer. In addition to lumpsum payment, some of the plans in this category also provide for reimbursement of hospitalization expenses. Cancer-specific policies are covered in the ‘Whom You Can Contact?’ section below.
Critical illness riders or plans may be appropriate if the family has a history of critical illness of any kind (cancer, heart disease etc). Cancer-specific policies may be considered by men above the age of 45 years and women above the age of 30 years, since at these ages vulnerability for cancer rises.