Health Insurance for Breast Cancer: 6 Important Things that You Must Know

Breast cancer is one of the fastest-growing diseases among women. As per a TOI report, one woman in India is diagnosed with breast cancer every 4 minutes and the disease claims a life every 13 minutes. This makes timely disease diagnosis with health insurance for breast cancer a must for all women. Know everything about breast cancer and health insurance.

Read More

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~
People trust Policybazaar^
7.7 crore
Registered consumers
50
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      What is Breast Cancer?

      Breast cancer refers to a malignant tumour in the breasts that can spread to other parts of the body. It occurs when the cells of the breasts start mutating and grow uncontrollably. Most breast cancers occur in milk ducts or ductal carcinomas and about 10% occur in milk glands or lobular carcinomas.

      Some of the most common symptoms of breast cancer are:

      • Changes in nipples
      • Discharge from nipples
      • Pain, itching or pain in breasts
      • Change in skin texture like dimpling, puckering, etc.
      • Redness or inflammation in the breasts
      • Skin pigmentation
      • Flaky skin or peeling off

      When it comes to breast cancer, early detection is the key to getting cured. The survival rate of a patient reduces by 3 to 17% if the breast cancer is detected at a later stage. Moreover, the treatment for breast cancer involves surgery, chemotherapy, radiotherapy and hormone therapy.

      However, breast cancer treatment is costly. In India, the average cost of breast cancer surgery is somewhere between Rs 1.9 lakh to Rs 4.2 lakh. If you get your breast cancer treatment done at a private hospital, the overall cost of investigations, surgery and radiation may go up to Rs 5-6 lakh. Similarly, six-cycle chemotherapy may cost up to Rs 20 lakh in India. Therefore, buying health insurance for breast cancer is highly recommended.

      6 Things You Must Know About Health Insurance for Breast Cancer

      Most insurance companies in India offer health insurance plans that provide coverage for breast cancer. They cover the cost of the surgery, radiotherapy, hospitalization, chemotherapy, ICU charges, pre-hospitalization, diagnostic tests, etc. depending on the scope of the policy.

      Here are a few things that you must know before buying a health insurance policy for breast cancer:

      1. Breast Cancer is Covered Under Critical Illness Insurance

      Breast cancer is usually covered by critical illness insurance plans and not under regular health insurance plans. This is because breast cancer is a critical illness and most regular health plans do not provide coverage for critical illness. At the most, they would provide coverage for hospitalization expenses.  

      On the contrary, critical illness insurance plans are designed to cover critical illnesses. Such plans will pay you a lump sum amount as soon as you are diagnosed with the disease, irrespective of the actual treatment cost. You can take care of all medical expenses incurred on breast cancer treatment with this amount.

      2. Critical Illness Rider for Regular Health Insurance Plans

      Although most regular health plans do not cover breast cancer, they may come with a critical illness rider. You can opt for this rider under your policy to avail coverage for critical illness without buying a critical illness insurance policy separately. However, this rider will be available for an extra premium amount.

      3. Waiting Period Applies for Breast Cancer

      Whether you buy a regular health insurance policy or a critical illness insurance plan, a waiting period will apply to avail coverage for breast cancer. During this period, you cannot raise any claim as it will get rejected. All critical illness insurance plans will cover breast cancer after a waiting period of 90 days. Similarly, most regular health insurance plans will cover breast cancer after a waiting period of 2 years.

      4. Survival Period Under Critical Illness Insurance

      Along with the waiting period, all critical illness insurance plans come with a survival period of 30 days. The woman diagnosed with breast cancer needs to survive the survival period to avail insurance coverage. In case the insured woman dies from breast cancer within the first 30 days of diagnosis, then the insurance company will not be liable to honour the claim.

      5. Out-of-pocket Expenses May Be Incurred

      While availing treatment for breast cancer, you may incur some out-of-pocket expenses that will not be covered under your regular health insurance policy. For instance, money spent on travelling to chemotherapy sessions, medical tools & appliances, diet plans, etc. will not be reimbursed by the insurance company.

      This, however, may not be the case for critical illness insurance plans as you have the liberty to use the lump sum amount paid by the insurance company to pay your out-of-pocket expenses.

      6. Free Preventive Health Check-ups May Be Available

      Some health insurance plans may offer annual free preventive health check-up facilities. Opting for a plan with a free annual preventive health check-up benefit is recommended as it will help in the timely detection of your breast cancer. Besides, breast cancer screening is expensive and availing free check-up facilities will help you save lots of money.

      In a Nutshell

      Breast cancer is the most common type of cancer among women today. Given the high treatment cost of breast cancer, buying a critical illness insurance policy is recommended. Just make sure to keep the above-mentioned things in mind before buying the good health insurance for breast cancer. Also, undergo a breast cancer screening every year to detect the disease at an early stage.

      book-home-visit
      Search
      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      List of Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 Reasons Why Your Health Insurance Claim Can...

      Health insurance plans add a layer of invisible protection against rising medical inflation and unforeseen

      Read more

      *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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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.

      *The scope of coverage may vary from plan to plan.

      ~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 Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| 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

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL