Is Breast Cancer Covered in Health Insurance?

A healthy body is home to happiness. It allows you to experience and enjoy every phase of life to the fullest. A person with sound health can attract peace, success, and wealth. Therefore, it is crucial to take care of yourself and your loved ones' well-being, especially in the era when everybody is running a rat race to achieve career goals. In such a high pace environment, people rarely get time to follow a healthy regime, because of which they sometimes develop serious illnesses.

Critical illness requires a huge chunk of money for its treatment, which, therefore, demands critical health coverage. It would avoid out-of-pocket expenses in case of medical emergencies. Along with this, it helps you choose the best hospitals to get treated by the best professionals without burning holes in your pocket. To get more information about the coverage under health insurance, you must continue reading.

Normal Health Insurance vs Critical Health Insurance

Breast Cancer and Health Insurance

Breast cancer is considered a malignant tumour in the breasts of a woman, which sometimes gets spread to other parts of the body. It happens when the cells in the breast start growing uncontrollably. Some of the common symptoms of breast cancer are listed below:

• Changes in nipples
• Discharge from nipples
• Inflammation in the breasts
• Skin pigmentation
• Pain in breast

It is very important to get an early diagnosis of the disease to get a better treatment. The treatment may include surgery, chemotherapy, hormone therapy, etc. However, the cost of treatment of breast cancer is very costly, which is why it is advisable to have a health plan which provides breast cancer health insurance along with coverage for major diseases.

Breast Cancer Health Insurance

Health insurance for breast cancer patients is generally under critical illness insurance, as regular health plan usually does not provide coverage for life-threatening diseases. The plan will pay a lump sum amount according to the coverage you opt for.

You can also add a rider to your regular health insurance plans for critical illness. You must check with your regular insurance provider if they give the rider option to cover major diseases without buying a separate insurance policy.

Nowadays, you can also get breast cancer genetic testing insurance coverage from various insurers. This is one of the most expensive treatments for breast cancer which can drain your savings completely. But by choosing a plan which offers breast cancer genetic testing insurance, you can get the best treatment at reasonable prices.

Factors to Keep in Mind While Buying a Breast Cancer Policy

You must consider buying the best cancer insurance as the cost of breast cancer treatment with insurance is much less than bearing it all alone. To make a perfect buying decision, you must look at the following factors:

• Sum Insured: Because of the rising cost of medical treatment, it is prudent to choose a sum assured mindfully to avoid any out-of-pocket expenses during medical emergencies.
• Benefits: It is advisable to choose a medical policy which has fewer terms and conditions. Also, it is essential to read the policy document carefully so that you can analyse the benefits and then choose the best insurance for breast cancer patients.
• Stages of Cancer: There are broadly 4stages of cancer. Some of the policies only cover the initial stage. Hence, you must consider insurance which provides coverage against every stage,
• Waiting Period: Generally, breast cancer health insurance or any critical illness insurance has a lesser waiting period than a general health policy. While buying a policy, you should choose the one with a minimum waiting period.

Parting Words

Health plans work as a safety net for your finances. It ensures you get the best medical facilities without thinking about your bank balance. Therefore, it is important to cover your family under a medical plan. By either having critical health insurance or adding a rider to your current health plan, you can make sure you are covered for life-threatening diseases. You can get a variety of options once you start looking for medical plans. However, you must choose the one worth your money.

Niva Bupa is a reliable insurer and offers one of the best health insurance for breast cancer. It ensures quality service with 24*7 support for policyholders. In addition, it has a high claim settlement ratio, which has built the trust of many customers.

So, don’t wait for too long and choose Niva Bupa today!