Best Health Insurance Plans for Cancer Patients

Cancer is a dreadful disease in which the body suffers unregulated cell division and growth. There are over 200 types of cancers. The leading type of cancer among men is lung cancer and among women is breast cancer. Cancer is spreading throughout the world at an ever-increasing pace. As a matter of fact, cancer stands tall as one of the leading causes of death worldwide. This figure is likely to continue rising in the coming years. India is no exception to the increasing cancer prevalence. Cancer care is quite a costly affair whether it's the diagnosis, radiation therapy, chemotherapy, or surgery. More often than not, cancer ends up financially draining out the sufferer and his/her family. The bad news is, there's no way, and you can buy a new insurance plan with cancer as a pre-existing condition. That's what makes getting a health insurance plan for cancer patients’ one hell of a job.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

     

    The good news is, you are not alone. We know how stressful it is to be diagnosed with cancer but let us tell you, it's not the end of the world, there's always hope. Owing to high-quality health care, the survival rate in cancer patients has gone up. If insured under the right health plan, a cancer patient can set off on his way to recovery and expect to live a normal life again.

    Critical Illness Cover for Cancer Patients

    Though cancer is covered in most of the critical illness policies here's the catch, the pre-requisite of coverage under a critical illness cover is that it is given to those who are yet not diagnosed with cancer. If you are already a cancer patient, you will be denied the coverage not just on cancer but also on the complications arising due to cancer.

    Further, for most of the critical illness plans, if any symptom relevant to cancer occurs within 90 days of commencement of the policy, it will lead to the termination of the cover. Even if you are diagnosed after this waiting period, your critical illness cover will not pay out your claim until your cancer is in the advanced stage (critical illness does not cover cancer which is still at its early stage).

    Critical Illness cover can be bought as an individual plan or as a rider with your life insurance or health insurance plan.

    Cancer Specialist Insurance Policy

    As mentioned above, a critical illness cover fails to meet the specific insurance needs of cancer patients. Moreover, when it comes to giving a normal health cover to cancer patients, most of the insurers pull away from their hands. The reason is obvious, giving a cover to such patients proves to be a lose-lose proposition for them.

    In such a scenario, the only option left, is to get a cancer specialist health plan. A cancer care policy is designed to meet the specific insurance needs of a cancer patient. However, the pre-requisite for getting insured remains the same even here, the patients who have a pre-existing cancer condition will not be covered under a cancer specialist policy.

    A cancer care specialist policy ideally covers you against cancer, both at the early and advanced stages. Unfortunately, there are not many insurers committed to offering this kind of cover to the needed.

    List of Cancer Insurance Plans Available

    Insurance Plan

    Suitability

     

    Entry-Exit Age

    Sum Assured ( in Rs.)

    Policy Term

    Waiting Period

    Aditya Birla Activ Secure- Cancer Secure

    Covers the family & children above the age of 6 years

    18 years and above

    50% of SA for early stage

    100% for major

    150% for advanced stage

    N/A

    7 days of survival post-diagnosis

    Bajaj Allianz Critical Illness Insurance

    Covers 10 critical illnesses and life-threatening conditions

    91 days to 80 years

    1 lakh -50 lakhs

    1 year

    30 days survival period

    Bharti AXA Critical Illness Insurance Plan

    N/A

    3 months-55 years

    N/A

    1 year

    60 days waiting period & 30 days survival period

    Chola MS Critical Healthline Plan

    First time purchase up to 65 years

    18-65 years

    3,5, & 10 lakhs

    1,3,5 years

    90 days

    Digit Cancer Health Insurance

    N/A

    20-65 years

    10-50 lakhs

    10-30 years

    Waiting period: 60 to 180 days

    Survival period:7-30 days

    Edelweiss Platinum Health Insurance

    Standalone plan

    N/A

    Up to 1 Crore

    N/A

    N/A

    Future Generali Cancer Protect Plan

    Covers self, children, spouse, brothers, sisters, parents, and in-laws, all on an individual basis

    Adult:18- 65 years

    Children 1-17 years

    Adult:10- 40 lakhs

    Children 10 lakhs

    5 years

    180 days waiting period and 7 days survival period

    Iffco Tokio Family Health Protector Policy

    11 critical illnesses covered including cancer

    18-65 years

    1.5 lakh- 5lakhs

    N/A

    N/A

    Kotak Critical Illness Plus Rider Benefit

    Available as a rider plan

    18-65 years

    Up to 5 lakhs

    N/A

    N/A

    Liberty Health Insurance

    N/A

    N/A

    N/A

    N/A

    N/A

    Max Bupa Criticare Health Insurance Plan

    Individual cover is provided

    N/A

    3 Lacs to 2 Crore

    1-2 YEARS

    48 months

    Manipal Lifestyle Protection - Critical Care Health Plan

    The Basic plan covers 15 critical illnesses and Enhanced covers 30 critical illnesses

    N/A

    Up to 25 Crores

    N/A

    N/A

    National Critical Illness Policy

    Self, Spouse, parents and dependent children can be covered

    18 -65 years

    1 - 75 lakhs

    1 year

    Should be able to survive for 30 days from the date of diagnosis

    New India Assurance Cancer Medical Expn-Individual Plan

    Provided to members of Indian Cancer Society only

    Up to 70 yrs

    50,000 -.2 lakhs

    1 year

    N/A

    Oriental Insurance Company

    N/A

    N/A

    N/A

    N/A

    N/A

    Religare Cancer Insurance Policy

    Offers international second opinion cover

    5-50 years

    10 lakhs- 2 Crores

    1/2/3 years

    PED- 48 months

    Initial: 90 days

    Raheja Cancer Insurance

    People less than 50 years of age need to submit self-declaration of good health

    1-70 years

    1- 10 lakhs

    N/A

    48 months

    Royal Lifeline Elite Health Insurance Plan

    Covers worldwide emergency hospitalization

    18 years above

    25 lakhs-1 Crore

    N/A

    90 days

    Reliance Critical Illness Plan

    Covers 10 major critical illnesses and surgeries including cancer

    18- 65 years

    5, 7, & 10 lakhs

    N/A

    3 months

    Star Cancer Care Gold Insurance Plan

    Individual coverage is offered

    5 months- 65 years

    3-5 lakhs

    N/A

    48 months

    SBI Critical Illness Insurance Policy

    N/A

    Up to 65 years

    Up to 50 lakhs

    1-3 years

    N/A

    Tata Tata AIG Critical Illness Health Insurance Plan

    N/A

    18-65 years

    2.5-15 lakhs

    N/A

    90 days

    United India UNI Criticare Health Insurance Plan

    11 Critical illnesses are covered including cancer

    21- 65 years

    1, 3, 5 & 10 lakhs

    N/A

    90 days

    Universal Sompo Critical Illness

    Health Insurance Plan

    N/A

    5-65 years

    2.5-20 lakhs

    N/A

    48 months

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

    1. Aditya Birla Activ Secure - Cancer Secure

    Aditya Birla Activ Secure – Cancer Secure is a health insurance policy designed to provide financial protection to cancer patients. The plan covers all three cancer stages i.e. early, major and advanced. Under this plan, 50% of sum insured is paid at the early stage, an additional 100% at the major stage or total 150% of the sum insured on detection of advanced stage.

    Features:

    • Lumpsum payment for all three stages of cancer
    • 7 day survival period
    • Wellness coach option available
    • Cumulative bonus
    • Tax benefits
    • Second e-opinion option available
    • Coverage for the entire family

    2. Bajaj Allianz Critical Illness Insurance

    Bajaj Allianz Critical Illness Insurance protects you and your family from the financial implications of 10 critical diseases, including cancer. The plan pays 100% of the sum insured on the diagnosis of cancer. Besides cancer, it also critical diseases, such as first heart attack, major organ transplant, coronary artery bypass surgery, stroke, kidney failure, etc.

    Features:

    • Coverage for 10 critical illness
    • Covers the entire family
    • 30 days of survival period
    • Lifetime renewability
    • Tax benefits
    • Faster claim settlement by the in-house team

    3. Bharti AXA SmartHealth Critical Illness Policy

    SmartHealth Critical Illness policy by Bharti AXA provides coverage for 20 critical illness, inclusive of cancer. It covers all the expenses incurred on the treatment of the disease along with the recuperation benefit. The policyholder has the option to choose for reimbursement or compensation payment option. It also comes with additional benefits, such as hospital cash allowance, ambulance charges, children education benefit, home nursing, etc.

    Features:

    • 20 critical illness covered
    • Available in family floater cover
    • Recuperation benefit
    • Lifelong renewability
    • 8 additional benefits available
    • 5% renewal discount every claim-free year
    • Tax benefits
    • Sum insured enhancement option

    4. Chola MS Critical Healthline Insurance

    Chola MS Critical Healthline Insurance is a customized policy designed to cover the treatment cost of critical illness, including cancer. It compensates for income loss, educational expenses, mortgage repayments, etc. This plan comes in two variants – standard plan and advanced plan. While the standard plan covers 10 critical illness, advanced plans provide coverage for 12 critical diseases along with ambulance cover.

     Features:

    • Cover the entire family
    • 30 days of survival period
    • Lump sum payouts
    • No medical check-up for up to 55 years
    • Tax benefits
    • Lifetime renewability

    5. Digit Cancer Insurance Policy

    Digit Cancer Insurance policy is a health policy that covers all the medical expenses arising out of cancer, right from diagnosis to its treatment. It covers six types of cancers - stomach, breast, ovarian, lung, prostate and larynx cancer. Under this policy, 25% of the sum insured will be paid at the early stage diagnosis and 100% at diagnosis of the major stage along with income benefit for the next 10 years.

    Features:

    • Comes with income benefit for 10 years
    • Choice between the level sum insured and increasing sum insured option
    • Premium waiver benefit
    • Survival period of 7 to 30 days
    • Option to choose between cancer hospitalization or cancer benefit policy

    6. Edelweiss Platinum Health Insurance Plan

    Edelweiss Platinum Health Insurance provides coverage for medical emergencies and critical illness that include cancer. It comes with second medical opinion and recovery benefit. Apart from cancer, this policy also covers other critical diseases, such as stroke, open chest CABG, permanent paralysis of limbs. This policy also comes with other benefits, such as compassionate visit, medical evacuation, medical referral, etc.

    Features:

    • Covers up to 8 family members
    • Second opinion available
    • No cap on ICU charges
    • Lifelong renewability
    • No claim bonus
    • Restoration of the sum insured
    • Health check-up after every claim-free year

    7. Future Generali Cancer Protect Plan

    Future Generali Cancer Protect plan helps to financially support cancer patients and their family members through the treatment. The policy comes with two variants – lump sum cover or lump sum cover with income benefit (for 60 months). Under this policy, 25% amount is paid on the early stage detection and 100% on diagnosis at the major stage. However, if the major stage is diagnosed following an early stage detection then 75% of the sum insured will be paid.

    Features:

    • Available with or without income benefit
    • Tax benefits
    • No pre-policy check-up required
    • Coverage for multiple cancer occurrences
    • Surrender value on single premium payment
    • Covers the entire family

    8. IFFCO Tokio Family Health Protector Policy

    IFFCO Tokio Family Health Protector is a health insurance policy that will cover you in case you or any of your family members are diagnosed with cancer. However, you will have to opt for the critical illness cover under this plan on the payment of 30% additional premium. This policy comes with emergency assistance services, such as medical referral, emergency cash coordination, transportation/ care of the minor child, etc.

    Features:

    • Covers the entire family
    • Critical illness cover on extra premium payment
    • Tax benefits
    • Lifelong renewability
    • Over 5000 network hospitals offering cashless treatment
    • Cumulative bonus add-on

    9. Kotak Critical Illness Plus Benefit Rider

    Kotak Critical Illness Plus Benefit Rider allows cancer patients to get the best treatment without any financial stress. It provides with lump sum payment on the diagnosis of cancer. However, this rider needs to be opted along with a basic health insurance policy. Besides cancer, this rider also provides coverage for diseases and surgeries, such as open chest CABG, Parkinson’s disease, stroke, brain surgery, third degree burns, angioplasty, benign brain tumour, etc.

    Features:

    • 37 critical illness covered
    • 100% lump sum payout
    • Tax benefits
    • 30 days of survival period

    10. Max Bupa Criticare Insurance Plan

    Max Bupa Criticare is a critical illness insurance policy that safeguards you and your family against 20 critical diseases, inclusive of cancer. It provides individual as well as floater cover and comes with worldwide coverage. It gives you the option to choose a 100% lump sum payment with or without staggered payout. The policy provides coverage for hospitalization following an accident. Besides cancer, the policy also covers other critical diseases, including fulminant viral hepatitis, open chest CABG, major burns, permanent paralysis of limbs, end stage liver disease, coma, etc.

    Features:

    • 20 critical illness covered
    • 100% lump sum payouts
    • Both individual and floater cover available
    • Covers accidental hospitalization
    • Cashless claim settlement within 30 minutes
    • Long-term policy discounts
    • Lifetime renewability
    • Tax benefits
    • Worldwide coverage
    • Cashless medical check-ups every year
    • 10% online discount

    11. ManipalCigna Lifestyle Protection – Critical Care Plan

    ManipalCigna Lifestyle Protection – Critical Care plan helps to provide cancer patients with the required financial support while obtaining treatment. It is available in two plan variants – basic and enhanced plan. The policy provides the option of 100% lump sum payment or 25% lump sum along with 75% staggered equal payment plus 10% extra for 60 months. It also provides coverage in case you want to obtain the second opinion.

    Features:

    • Up to 30 critical illness covered
    • Second opinion available
    • Option between a lump sum or staggered payment
    • Customized wellness program
    • 30 days of survival period
    • Tax benefits
    • 10% family discount for ensuring more than 2 family members
    • Long term policy discounts
    • Lifetime renewability

    12. National Critical Illness Policy

    National Critical Illness policy has been designed to cover the expenses incurred on the treatment of critical illness, including cancer. It comes with two types of plans – Plan A and Plan B. While Plan A provide for 11 critical illness and Plan B covers 37 of them. In addition to cancer, this policy also covers critical illness, such as coma, brain surgery, kidney failure, third degree burns, heart attack, blindness, end stage lung failure, etc.

    Features:

    • Up to 37 critical illness covered
    • Covers the entire family
    • 30 days of survival period
    • Early entry discount for people up to the age of 42
    • No pre-policy health check-up for up to 45 years
    • 10% family discount
    • Lifetime renewability

    13. New India Assurance Cancer Medical Expn – Individual Plan

    The Cancer Medical Expn- Individual is an insurance policy for members of the Indian Cancer Society. It is an additional benefit provided to the members of the society and the policy premium is included in the membership fee. This policy will pay for the diagnosis, treatment cost as well as rehabilitation of the cancer patient.

    Features:

    • Available for Indian Cancer Society members only
    • Covers the entire family
    • Cumulative bonus
    • Coverage for allopathic treatment only

    14. Raheja Cancer Insurance

    Raheja Cancer Insurance is a comprehensive policy that covers the treatment cost involved at all stages of cancer. Under this policy, up to 50% of the sum insured or Rs 2.5 Lakh will be paid on the detection of the disease. In addition, it will also pay for the reasonable medical expenses incurred on the diagnostic investigation or the treatment of the disease.

    Features:

    • Covers individual cancer patients
    • Lump sum payouts
    • No pre-policy check-up for up to 50 years
    • Tax benefits
    • Cumulative bonus

    15. Reliance Critical Illness Insurance

    Reliance Critical Illness insurance policy enables cancer patients to get the best treatment by covering their treatment and recovery expenses. This policy covers 10 critical illness divided into two categories with cancer following in the first category of life threatening diseases. The second category includes lifestyle disabling diseases, including coma, heart valve replacement, total blindness, etc.

    Features:

    • 10 critical illness covered
    • Lump sum payouts
    • 30 days of survival period
    • No pre-policy health check-up
    • 5% discount for every claim-free renewal
    • Tax benefits
    • Lifelong renewability

    16. Religare Cancer Insurance Plan

    Religare Cancer Insurance plan is an extensive policy that provides financial protection to cancer patients. It covers expenses involved in cancer diagnosis as well as the treatment, such as OPD cost, hospitalization cost, chemotherapy, etc. The policy offers global coverage and covers the second opinion taken outside India.

    Features:

    • Covers all stages of cancer
    • International second opinion available
    • Cashless cancer treatment at network hospitals
    • No pre-policy health check-up
    • Lifelong renewability
    • No ICU charges limit
    • AYUSH treatment covered
    • Doctor on call
    • Quick recovery counselling
    • Annual health check-up after 1 year
    • No claim bonus
    • Value-added services

    17. Royal Lifeline Elite Health Insurance Plan

    Royal Lifeline Elite Health Insurance plan is a comprehensive policy that covers the treatment cost of 11 critical diseases, which includes cancer. The policy comes with international treatment, a second opinion on the case and worldwide emergency hospitalization cover.

    Features:

    • 11 critical illness covered
    • International treatment available
    • Both individual and floater cover
    • Second opinion
    • Worldwide hospitalization
    • No claim bonus
    • Annual health check-ups
    • Cashless treatment facility available
    • Lifelong renewability
    • 20% co-payment on international treatment

    18. SBI Critical Illness Insurance Policy

    SBI Critical Illness Insurance policy provides financial coverage to people diagnosed with a critical illness, inclusive of cancer. It will pay the policyholder a fixed amount of money on the diagnosis of the illness. The other critical illness covered under this policy are kidney failure, paralysis, major organ transplant, stroke, multiple sclerosis, coma, heart valve surgery, etc.

    Features:

    • 13 critical illness covered
    • 28 days of survival period
    • Tax benefits
    • No medical health check-up for up to 45 years

    19. Star Cancer Care Gold Insurance Policy

    Star Cancer Care Gold policy provides health insurance coverage to people diagnosed with cancer. It not only covers the cost of cancer treatment but also covers the risk of metastasis, recurrence and unrelated second malignancy. It also covers medical expenses arising out of accidents and other diseases.

    Features:

    • 50% lump sum payment on recurrence/ second malignancy/ metastasis
    • No pre-acceptance medical screening required
    • Tax benefits
    • Lifelong renewability
    • Over 9900 network hospitals offering cashless treatment
    • 10% co-payment for people above 60 years
    • 24x7 helpline

    20. Tata AIG Critical Illness Policy

    Tata AIG Critical Illness policy is an ideal policy for people suffering from 11 critical illness, including cancer. It also covers the cost of getting a second opinion concerning the treatment of cancer. Besides cancer, it also covers other critical illness diseases, such as heart attack, permanent paralysis, stroke, major burns, kidney failure, coma and total blindness amongst others.

    Features:

    • 11 critical illness covered
    • Lump sum payouts
    • Second opinion covered
    • 30 days of survival benefit
    • Tax benefits
    • No pre-policy medical check-ups required
    • Sum insured enhancement
    • Lifelong renewability

    21. United India UNI Criticare Policy

    UNI Criticare policy by United India is a health insurance plan designed to provide coverage against 11 critical diseases, including cancer. As soon as cancer is detected, a lump sum payment will be paid to the policyholder for the treatment. Other critical illness covered under this policy are coma, stroke, heart valve replacement, bone marrow transplant, first heart attack, multiple sclerosis, etc.

    Features:

    • 11 critical illness covered
    • 30 days of survival period
    • Lump sum payments
    • Covers the entire family
    • Tax benefits
    • Lifetime renewability
    • No prior medical check-up below 45 years

    22. Universal Sompo Critical Illness Insurance Policy

    Universal Sompo Critical Illness Insurance policy is a customized policy designed to enable cancer patients to get the best treatments without worrying about the money. This policy also covers 10 other critical illness besides cancer, such as multiple sclerosis, first heart attack, major organ transplant, coma, stroke, kidney failure, permanent paralysis of the limbs, etc.

    Features:

    • 11 critical illness covered
    • Covers the entire family
    • No pre-policy health check-up up to 55 years
    • 30 days of survival period
    • Tax benefits
    • Long-term policy discount
    • Sum insured enhancement
    • Cashless claims at network hospitals
    • 15% /20% occupational loading

    We would also like to mention Health Swastham, a healthcare package offered by Health Impetus which is a renowned healthcare organization based in Mumbai. Health Swastham gets you discounts on health expenditures. But what makes this package relevant to cancer patients, is that it offers insurance covers to those cancer patients who are denied coverage from insurance companies because of their pre-existing condition.

    A wise man once said 'prevention is better than cure'. This quote very well applies to cancer and its dreads. The most viable cure to cancer is curing it before it happens. Adopting a healthy lifestyle, being proactive and getting an early detection, while the cancer is its preliminary stage, saves the patient from incurring heavy costs on its treatment.

    Written By: PolicyBazaar - Updated: 28 June 2021
    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    Health Insurance for Autoimmune Diseases in India

    16 Sep 2021

    Every human body comes with an immune system to fight against...
    Does Health Insurance Cover Multiple Sclerosis In India

    15 Sep 2021

    Due to a hectic lifestyle leading to unnecessary stress and...
    Critical Illness Insurance Policy For Stroke Patients In India

    14 Sep 2021

    Medical emergencies are unpredictable and it brings a lot of...
    Which Health Insurance to Buy for People below Poverty Line?

    09 Sep 2021

    Although the penetration of health insurance in India is quite...
    List of Diseases Covered by Star Health Insurance

    07 Sep 2021

    Getting diagnosed with a major illness is not only stressful but...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL