Protect your Health and Finances with the Right Health Insurance Cancer Policy
1 September, 2023
8 Shares
531 Reads
Share
As soon as cancer is diagnosed to any of our relatives, the first reaction of friends and family is of tension. Cancer has not only taken the lives of many people over the years but has also left families in debt. With the growth in medical science, cancer is now a curable disease. It is no longer deadly if diagnosed at an early stage and treated with the best professionals and technology. This blog will improve your understanding in terms of managing your finances for major diseases like cancer.
Health Insurance for Cancer Patients
Diseases like cancer require out-of-pocket expenses, which affect your savings negatively. Such health conditions degrade your health and finances at the same time, making you even weaker. To prevent such a situation in future, you must invest in good medical insurance for major diseases, especially cancer. Mentioned below are two insurance policies you can consider:
Critical Illness Plan
A critical illness insurance plan ensures you get coverage for almost all types of cancer. It provides a lump sum amount which is equivalent to the sum insured on the diagnosis of the disease. The coverage under this policy is available to those who are not diagnosed with cancer yet. An already suffering patient with cancer will be denied coverage.
It can be bought as an individual insurance plan or as a rider with your regular medical plan. There is a waiting period of generally 90 days after buying the policy. You can not make a claim before the completion of the waiting period. Most critical illness plans usually cover cancer in the advanced stage and not in the early stage.
Cancer Insurance Policy
As the name suggests, a cancer insurance policy is specifically designed to provide coverage to people suffering from cancer. This policy covers both the early and advanced stages of cancer. Most cancer plans do not offer coverage to patients already having pre-existing cancer conditions. However, there are a few plans available which consider existing cancer patients with a small amount of waiting period.
Cancer Policies for Individuals
There are many insurers providing quality health insurance services with high customer satisfaction indexes. Here are some of the best cancer policies for family:
Aditya Birla Activ Secure - Cancer Secure
This plan covers all the stages of cancer, including early, major and advanced. Here are some key features of the plan which you must consider:
- Lump sum payment
- Short survival period
- Tax benefits
- E-Opinion option
- 10% bonus for claim free year
- Coverage for the whole family
Niva Bupa CritiCare Insurance Plan
Niva Bupa is one of the leading healthcare insurance providers. It has been serving its customer for years with critical insurance cover and offers the best cancer policy for family. One such plan is CritiCare, which is a critical insurance plan that safeguards your family against 20 critical illnesses, including cancer. Here are the major features of the same:
- 100% lump sum amount on diagnosis of cancer
- Cashless claim settlement half an hour
- Long-term policy discount
- Renewability option for a lifetime
- World wide coverage
Care Cancer Mediclaim Policy
The policy covers the expenses involved in the diagnosis of cancer along with the treatment, such as OPD cost, hospitalisation cost, therapies, etc. Here are some major features of the plan:
- Covers all stages involved in cancer
- Cashless treatment
- Does not require pre-policy health check-up
- ICU charge limit is zero
- Covers AYUSH treatment
- No claim bonus
Bajaj Allianz Criti Care
This plan offers coverage for about 42 critical illnesses along with cancer. It also provides 100% of the sum assured on the diagnosis of cancer of a particular severity. Here are some features of the plan:
- Provide coverage for cancer, including other critical illnesses
- 7/15 days of survival period (uncertain)
- Renewability option for lifetime
- Provides coverage for cancer reconstructive surgery
- Provides tax benefit
New India Assurance Cancer Guard Policy
It is specifically designed to provide support to cancer patients. It provides cancer care benefit if the insured is diagnosed with cancer for the first time and is at stage IV of the disease. Mentioned below are some features of the same:
- Requires no pre-policy medical check-up
- Covers the whole family
- Provides post-treatment follow-up cover
- Gives cumulative bonus
- Provides organ transplant cover
Bottom Line
One needs to understand that cancer diagnosed at an early stage is curable, and there is no need to worry about it. As the cost of treatment is high, to avoid the sudden drain of wealth on the advanced treatment, you must consider buying a cancer insurance policy for future emergencies. Niva Bupa is among the market leaders in providing high-quality healthcare insurance services. You can choose from a variety of plans the company offers considering the various requirements of the population. After all, no amount of money is more than human life!
Secure your Health with comprehensive insurance plans from Niva Bupa
Popular Searches - Health Insurance | Medical Insurance | Best Health Insurance Plans | Health Insurance Plans | Health Insurance Policy | Best Health Insurance Plans | Best Family Health Insurance | Best Mediclaim Policy | Best Health Insurance In India | Best Medical Insurance In India | Best Health Insurance Plans In India | Best Health Insurance Policy In India | Mediclaim | Best Health Insurance For Senior Citizens In India | Best Health Insurance | Health Insurance With Opd Cover | Mediclaim Insurance | Medical Insurance Plans | Best Health Insurance Company in India | Critical Illness Insurance | Personal Accident Insurance | Mediclaim Policy | Individual Health Insurance | Pregnancy Insurance | Maternity Insurance | | Best Family Health Insurance plans in India | Best Health Insurance company | Family Health Insurance | Best Health Insurance plans for Senior Citizens | Mediclaim Policy for Family
Health Insurance Schemes - Chief Ministers Comprehensive Health Insurance Scheme | Employee State Insurance Scheme | Swasthya Sathi Scheme | Pradhan Mantri Matru Vandana Yojna | Government Health Insurance Scheme | Dr. YSR Aarogyasri Scheme | Pradhan Mantri Suraksha Bima Yojna | Health Insurance Deductible | West Bengal Health Scheme | Third Party Administrator | Rashtriya Swasthya Bima Yojana | In Patient Vs Out Patient Hospitalization | Mukhyamantri Chiranjeevi Yojna | Arogya Sanjeevani Health Insurance | Copay Health Insurance | Cashless Health Insurance Scheme | Mukhyamantri Amrutum Yojna
Travel Insurance Plans - Travel Insurance | International Travel Insurance | Student Travel Insurance | Travel Insurance USA | Travel Insurance Canada | Travel Insurance Thailand | Travel Insurance UK | Travel Insurance Germany | Travel Insurance Bali | Travel Insurance Vietnam | Travel Insurance Dubai | Travel Insurance Singapore | Schengen Travel Insurance
Top Hospitals - Best Hospitals in Chennai | Top Hospitals in Delhi | Best Hospitals in Gurgaon | Best Hospitals in India | Top 10 Hospitals in India | Best Hospitals in Hyderabad | Best Hospitals in Kolkata | Best cancer hospitals in Bangalore | Best cancer hospitals in Hyderabad | Best cancer hospitals in Mumbai | Best cancer hospitals in India | Top 10 cancer hospitals in India | Top 10 cancer hospital in Delhi | Multi Speciality Hospitals in Mumbai | Multi Speciality Hospitals in Chennai | Multi Speciality Hospitals in Hyderabad | Super Speciality Hospitals in Delhi | Best Liver Hospitals in Delhi | Best Liver Hospitals in India | Best Kidney Hospitals in India | Best Heart hospitals in Bangalore | Best Heart hospitals in India | Best Heart hospitals in Kolkata | Best Heart hospitals in Delhi
Others - Top Up Health Insurance Policy | Corporate Health Insurance | Health Card | Section 80d of Income Tax Act | Ayushman Bharat | Health Insurance Portability | GoActive Family Floater Plan | Health Companion Family Floater Plan | Health Premia Family Floater Plan | Health Pulse Family Floater Plan | Health Recharge Family Floater Plan | Heartbeat Family Floater Plan | Money Saver Family Floater Plan | Saral Suraksha Bima Family Floater Plan | Senior Citizen Family Floater Plan | Super Saver Family Floater Plan | Corona Kavach Family Floater Plan | Hospital Cash Insurance | Cashless Health Insurance | Health Companion Price revision | Heartbeat Price revision | ReAssure Price revision
COVID - Omicron | Coronavirus Health Insurance | Covid XE Variant | Norovirus
www.nivabupa.com
+91 11 41743397
1860-500-8888
14th Floor, Capital Cyberscape, Sector 59, Gurgaon
- Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
- 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
- 2 Since Inception refers to claim data from 2010 till December 2023.
- 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
- 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
- 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
- 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
- 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
- Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.