Cancer is one of the most financially and emotionally challenging diseases. It is quite an expensive medical issue to treat, and the expense of diagnosis, test, treatment, and post-care can be tremendous. With the increase in the cost of the treatment of cancer, it is recommended to buy a Cancer health insurance plan, as it plays an important role in ensuring that patients receive all the necessary medical care. Before opting for any health insurance, it is important to understand the types of cancer health insurance policies in the market, their coverage, and their benefits.
Many people wonder, is cancer covered in health insurance? It completely depends on the plan you have selected. An inclusive cancer health insurance policy guarantees financial safety as it covers diagnostic tests, chemotherapy, radiation, and many more. One diagnosed with cancer may question if they can acquire health insurance for existing cancer patients or if there are specific cancer health insurance plans specially designed for them. The great news is that multiple insurance companies offer policies designed for patients, survivors, and those with a history of cancer.
Insurance for Cancer patients
Cancer can strike anybody at any point in life, and it is one of the most expensive treatments. Health insurance for cancer helps protect yourself from the rising costs of cancer at every stage- Early, Major, and Advanced. It is a unique and standalone critical illness plan that gives complete financial support to those diagnosed with the dangerous disease.
Types of Cancer Insurance:
- Lung Cancer.
- Breast Cancer.
- Ovarian Cancer.
- Stomach Cancer.
- Cervical Cancer.
Factors to know before Choosing Health Insurance with Cancer coverage are as below:
When choosing the best health insurance for cancer patients, consider:
- Waiting period/ survival period: Familiarise yourself with the waiting period before coverage becomes active. Some plans have a waiting period ranging from a few months to a year after policy issuance. Moreover, also understand for a survival period part.
- Policy limits and exclusions: Evaluate the policy limits to determine the maximum benefits available for various treatments, tests, and other related expenses. Additionally, for the health insurance for cancer you need to understand the policy exclusions to know which cancer types or treatments may not be covered in the policy. Some comprehensive health insurance with cancer cover plans also include post-treatment rehabilitation, easing the transition for survivors.
- Premiums amounts and affordability: Evaluate the cost of premium amounts and make sure they are inexpensive. Your age, health status, and family medical history, stage can affect premium rates.
- Provider Network: Opting for a plan with a wide network can provide you with access to quality healthcare and specialised treatment options.
- Go for a high-sum insured: Review and make sure your health policy offers suitable coverage to tackle medical inflation. Choosing a high sum insured helps you access medical treatments without facing any financial strain.
- Pre-Existing Condition Coverage: Some plans also provide health insurance for pre-existing cancer patients.
Health Insurance for Cancer Survivors
Cancer survivors require constant medical check-ups/ tests and follow-ups. Health insurance for cancer survivors guarantees coverage for ongoing check-ups, long-term treatment and medication costs. Medical insurance for cancer survivors in India offers necessary financial support for ongoing healthcare. For people who are already diagnosed, health insurance for cancer survivors in India provides continued financial assistance to ensure long-term treatment and examination.
Can you get health insurance if you have cancer?
A common question among cancer patients is can you get health insurance if you have cancer? The answer depends on the company and the type of policy you are looking for. There are specific pre-existing cancer health insurance plans that provide financial assistance to the patient for ongoing treatments.
Numerous insurers offer health insurance for pre-existing cancer patients in India that cater to individuals who have already been diagnosed. These policies typically come with waiting periods and certain restrictions.
Why Choose Star Cancer Care Platinum Insurance?
If you are searching for the best health insurance for cancer, cancer patients health insurance, or cancer health insurance plans, than Star Cancer Care Platinum is the best option. As Star Cancer Care Platinum Insurance provides its policyholders with its broad coverage, flexible payment options, and commitment to supporting cancer patients. It is the Policy that is specially designed for patients diagnosed with Cancer.
What’s covered and what’s not in the Star Cancer Care Platinum Insurance Policy?
| Inclusions | Exclusions |
| In-patient Hospitalization Expenditures | Non-allopathic treatments |
| Ambulance Bills | Dietary supplements and substances |
| Pre-hospitalization Expenses. | Plastic surgery |
| Post-hospitalization costs. | Unproven treatments |
| Day Care Procedures | Maternity costs. |
| Health Check-up | Sterility & infertility |
| Medical Second Opinion | Self-injury |
| Advanced Treatments | |
| Hospice Care |
Parameters and Eligibility Criteria of Star Cancer Care Platinum Insurance Policy
- Minimum Entry Age: 5 months
- Maximum Entry Age: 65 years
- Coverage Type: Individual
Key Points of Star Cancer Care Platinum Insurance
- Flexible Sum Insured optionsèRs 5 lakh, Rs 7.5 lakh and Rs 10 lakh
- Policy Tenureè1 year
- Pre-policy Medical Check-upèNo need
- Pre-existing Diseases Waiting Periodè30 months
- Initial Waiting Periodè30 days
- Co-payment clauseè10% for people above 60 years
- RenewabilityèThe policy is renewable annually without age restrictions.
- ExclusionsèCertain conditions such as congenital diseases, self-inflicted injuries, and cosmetic treatments are not covered.
Benefits of Star Cancer Care Platinum Insurance Policy:
- Comprehensive Cancer Coverage: The major benefit of the Star Cancer Care Platinum Insurance Policy is that it provides coverage for all stages of cancer (Early, Major, and Advanced).
- Cashless Hospitalization: Offers cashless hospitalisation facilities to the policy holders at over 14000 network hospitals of Star Health & Allied Insurance Company across India.
- Tax Benefits: Insured can claim tax deductions on the premium paid for the Star Cancer Care Platinum Insurance policy under Section 80D of the Income Tax Act.
- Wellness Facility: It also provides several wellness services (especially diet and nutrition programs, weight management programs, and teleconsultation with a specialist).
- No Pre-Medical Test: The policyholder does not need to go for a check-up again. You can just submit your previous medical records.
- AYUSH Treatment: Provides coverage for Ayurveda, Unani, Siddha, and Homeopathy medications.
