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Eliminate cancer not your finances

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      Cancer Insurance

      Cancer Insurance is a special type of a policy designed to offer financial assistance to those diagnosed with the disease after the free look up period mentioned in the purchased cancer insurance policy’s terms and conditions. A cancer-specific policy offers cover for various costs associated with cancer diagnosis and treatment, including hospitalization, chemotherapy, radiation, surgery, etc.

      Read More

      How Does Cancer Insurance Work?

      A cancer insurance policy gets activated as soon as a person is diagnosed with cancer. When the insured gets diagnosed with cancer, a lump sum amount equivalent to the sum insured is paid by the insurance company. The amount can be used to cover the treatment cost of cancer. The claim money is usually payable at various stages of diagnosis including minor, major and critical stages, provided it is diagnosed during the policy year. However, cancer insurance policies do not offer death, maturity or surrender benefits.

      List of Cancer Insurance Plans in 2022

      The table below mentions the various cancer health insurance plans that you can consider buying this year:

      Health Insurance Plans

      Entry-Exit Age

      Sum Insured

      ( Rs.)

      Waiting Period

      Survival/Waiting Period

      Aditya Birla Activ Cancer Secure Plan

      18 to 65 years

      5 lakh - 1 crore

      90 days 

      For early stage – 180 days

      7 days

      View Plan

      Bajaj Allianz Criti Care Insurance Plan

      91 days to 65 years

      1 lakh – 2 crore

      120/180 days

      7/15 days

      View Plan

      Bharti AXA SmartHealth Critical Illness Plan

      3 months to 55 years

      2 lakh – 5 lakh

      60 days

      30 days

      View Plan

      Care Cancer Mediclaim Plan

      5 years to 50 years

      10 lakh – 2 crore

      90 days

      -

      View Plan

      Chola MS Critical Healthline Insurance Plan

      5 to 65 years

      1 lakh -10 lakh

      90 days

      30 days

      View Plan

      Digit Cancer Health Insurance Plan

      20 to 65 years

      10 lakh - 50 lakh

      60 to 180 days

      7 to 30 days

      View Plan

      Edelweiss Health Insurance Plan

      3 months onwards

      1 lakh - 1 crore

      90 days

      -

      View Plan

      Future Generali Criticare Plan

      6 to 65 years

      1 lakh - 50 lakh

      90 days

      28 days

      View Plan

      IFFCO Tokio Critical Illness Insurance Plan

      3 to 65 years

      1 lakh – 1 crore

      30 days

      28 days

      View Plan

      Kotak Secure Shield Plan

      18 to 65 years

      5 lakh to 10 lakh

      90 days

      -

      View Plan

      Liberty Critical Illness Insurance Plan

      5 to 65 years

      1 lakh to 1 crore

      90 days

      30 days

      View Plan

      Magma HDI OneHealth Insurance Plan

      5 to 65 years

      2 lakh – 1 crore

      90 days

      -

      View Plan

      Niva Bupa (Formerly known as Max Bupa) Criticare Health Insurance Plan

      2 to 65 years

      5 lakh to 5 crore

      90 days

      -

      View Plan

      ManipalCigna Lifestyle Protection Critical Care Plan

      18 to 65 years

      1 lakh - 25 crore

      90 days

      30 days

      View Plan

      National Critical Illness Policy

      18 to 65 years

      1 lakh - 75 lakh

      3 months

      30 days

      View Plan

      New India Assurance Cancer Guard Plan

      3 months to 65 years

      5 lakh - 50 lakh

      90 days

      -

      View Plan

      Oriental Cancer Protect Plan

      3 months to 65 years

      5 lakh – 50 lakh

      75 days

      -

      View Plan

      Raheja QBE Cancer Insurance Plan

      1 day to 70 years

      1 lakh - 10 lakh

      30 days

      -

      View Plan

      Royal Sundaram Critical Illness Lumpsum Plan

      91 days to 65 years

      25,000 - 25 lakh

      90 days

      -

      View Plan

      Reliance Critical Illness Insurance Plan

      18 to 65 years

      5 lakh, 7 lakh, 10 lakh

      3 months

      30/60 days

      View Plan

      Star Cancer Care Gold Insurance Plan

      5 months to 65 years

      3 lakh, 5 lakh

      30 months

      -

      View Plan

      SBI Critical Illness Insurance Policy

      18 years to 65 years

      2 lakh - 50 lakh

      90 days

      -

      View Plan

      Tata AIG Critical Illness Insurance Plan

      18 years to 65 years

      2.5 lakh - 15 lakh

      90 days

      30 days

      View Plan

      United India UNI Criticare Insurance Plan

      21 to 65 years

      1 lakh, 3 lakh, 5 lakh, 10 lakh

      90 days

      30 days

      View Plan
      See More Plans

      Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. 

      Types of Cancer Covered by Cancer Insurance Plans in India

      Take a look at the various types of cancer covered under cancer insurance plans at early and advanced stages:

      • Lung cancer
      • Breast cancer
      • Ovarian cancer
      • Stomach cancer
      • Hypolarynx cancer
      • Prostate cancer
      • Cervical cancer

      Benefits of Cancer Insurance Plans

      Here are some of the key benefits of buying a cancer insurance plan:

      • Multiple Cancer Stages -It covers multiple stages of cancer.
      • Lump Sum Payout -A lump sum amount is paid to the insured on cancer diagnosis.
      • Premium Waiver –The premium waiver benefit is available under certain conditions like an early-stage cancer diagnosis.
      • Sum Insured Enhancement -If there are no claims during the year, the sum insured increases by a pre-specified percentage.
      • Monthly Payout -Monthly income is paid out for a specified number of years, subject to certain conditions, such as in the case of a major cancer diagnosis.
      • Continuum of Coverage– Cancer insurance cover under several plans do not cease after the first diagnosis of the disease.
      • Tax Benefits -Tax benefits under section 80D of the Income Tax Act is available on paid premiums.

      Why Do You Need a Cancer Insurance Plan?

      Buying a cancer insurance policy is important because of the high cost of cancer treatment, which usually goes on for a long time. This disease can have a domino effect on families physically, emotionally, and financially. Also, even the best health insurance policy may not cover all cancer treatment-related costs. If it does, there are conditions for coverage at different stages of cancer.

      Exclusions of a Cancer Insurance Plan

      The following diseases or medical conditions are usually not covered under a cancer insurance plan:

      • Skin cancer
      • Any kind of cancer directly or indirectly caused by or contributed to by sexually transmitted diseases, HIV, or AIDS
      • Cancer resulting from any congenital condition and pre-existing conditions
      • Cancer resulting from biological, nuclear, or chemical contamination
      • Any cancer caused due to contact with radiation or radioactivity from any non-diagnostic or therapeutic source

      Note: These are general exclusions. Specific exclusions may vary between insurers.

      How Does Cancer Insurance Differ from a Critical Illness Insurance Plan?

      Unlike cancer insurance plans, a critical illness insurance plan pays for expensive treatments of a range of listed critical diseases like stroke, major organ transplant, paralysis, cardiac arrest, multiple sclerosis, kidney failure, total blindness, deafness, and some life-threatening cancers.

      A regular critical illness plan also pays a lump sum benefit to the insured after he/she is diagnosed with a covered critical illness.  However, most critical illness insurance plans cover cancer only at an advanced stage. For instance, a critical illness plan will pay for cancer if a malignant tumour exhibits uncontrolled growth, with invasion and destruction of normal tissues at an advanced stage. It also does not cover any complications arising from cancer.

      Also, it does not waive off future premiums or increase the sum insured on every claim-free year. Moreover, if the policyholder shows cancer symptoms within the first 90 days (usually the stipulated waiting period in most policies), the plan ceases to exist.

      When Should You Buy Cancer Insurance?

      You should consider buying a cancer insurance plan if:

      • You have a family history of cancer
      • You believe that you have a higher risk of developing cancer due to environmental or other reasons
      • You do not have adequate savings to pay large medical bills
      • Your regular health insurance policy does not have sufficient coverage
      • You are the only earning member

      Things to Consider Before Buying a Cancer Insurance Plan

      You must consider the following things before buying a cancer insurance plan:

      • Family History of Cancer: For those with a strong family history of cancer, purchasing cancer insurance is recommended. Such individuals must analyze how cancer insurance will complement their current health policy.
      • Two Policies Do Not Mean Double Coverage: Having a comprehensive health insurance policy plus a separate cancer insurance plan does not necessarily mean that you may get double benefits. Most insurance policies come with a ‘coordination of benefits’ clause, which ensures that one plan will not cover expenses covered by the other plan.
      • Compare Plans Online - After careful analysis, if you decide to go ahead and buy cancer insurance, you must check and compare as many plans as possible. You can compare multiple cancer plans on the website of Policybazaar Insurance Brokers Private Limited based on coverage, benefits, premiums, etc. You can also purchase the selected plan from the website within a few minutes.

      How Can Policybazaar Help in Choosing the Right Cancer Insurance Plan?

      Policybazaar can compare and analyse various cancer insurance plans offered by some of the leading insurance companies in India. It can help you to make an informed decision and choose the most suitable plan as per your specific needs. All you need to do is enter a few details like name, date of birth, email address, and mobile number.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support##(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests~
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Direct Broker |Registration No. 742, Valid till 09/06/2024, License category- Direct Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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