HDFC ERGO iCan Insurance Plan

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      HDFC ERGO iCan Insurance Plan

      HDFC ERGO iCan Insurance has been designed to provide customized coverage to people suffering from cancer. It covers the cost of conventional cancer treatments and advanced treatments taken on an in-patient or outpatient basis. This HDFC ERGO cancer policy also comes with CritiCare and FamilyCare benefits.

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      HDFC ERGO iCan Insurance Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 5 lakh to Rs 50 lakh
      Policy Tenure 1 year, 2 year, 3 years
      Plan Types Essential, Enhance
      Incurred Claim Ratio (2021-22) 97.47%
      Pre-Policy Medical Check-ups May be required
      Initial Waiting Period 120 days

      Benefits of HDFC ERGO iCan Insurance Plan

      Take a look at the benefits of buying an HDFC ERGO cancer policy:

      1. Variety of Cancer Treatments Covered

      This HDFC ERGO health policy provides coverage for a variety of cancer treatments, be it conventional treatments like chemotherapy, radiotherapy, etc. or advanced treatments like immunotherapy, proton beam therapy, etc.

      2. Coverage for First Diagnosis & Recurrence of Cancer

      Unlike most cancer insurance plans, this policy covers the treatment cost of cancer diagnosed for the first time as well as recurrence.

      3. Tax Benefits

      Policyholders can avail tax deductions on the premiums paid to buy an HDFC ERGO iCan Insurance policy.

      HDFC ERGO iCan Insurance Plan Eligibility Criteria

      Here are the eligibility criteria to buy an HDFC ERGO iCan Insurance plan:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 5 years
      Maximum Entry Age Adult – 65 years
      Child – 17 years
      Coverage Type Individual
      Renewability Lifelong

      Inclusions of HDFC ERGO iCan Insurance Plan

      The following coverage is included under the HDFC ERGO cancer policy:

      • Second Opinion – It covers the cost of availing a second medical opinion on the diagnosis of cancer for the first time.
      • In-patient Treatment – It pays for any hospitalization expenses incurred due to cancer for at least 24 hours.
      • OPD Treatment – It covers the cost of doctor consultations taken for cancer on an outpatient department basis. 
      • Day Care Treatment – It pays for medical procedures and treatments availed for cancer treatment with less than 24 hours of hospitalization.
      • Conventional Treatments – It covers the medical expenses incurred on conventional treatments, such as chemotherapy, radiotherapy, onco-surgery, etc.
      • Pre-hospitalization Medical Expenses – It pays for medical costs incurred for up to 30 days before hospitalization.
      • Post-hospitalization Medical Expenses – It covers the medical costs incurred for up to 60 days after hospital discharge.
      • Emergency Ambulance – It pays for the medical expenses incurred on availing ambulance services for the transportation of the insured during an emergency.
      • Follow-up Care Post Treatment – It covers the cost of follow-up medical examinations held twice a year, provided there have been no signs of cancer for at least 6 months.
      • CritiCare Benefit – It pays a lump sum amount to the policyholder on the first diagnosis of cancer of specified severity.
      • FamilyCare Benefit – It pays a lump sum amount to the policyholder on the diagnosis of advanced metastatic cancer or recurrence of cancer.

      Optional Covers:

      • Advanced Plan – It pays for advanced treatments, such as proton beam therapy, immunotherapy, hormonal therapy and personalized & targeted therapy.

      Exclusions of HDFC ERGO iCan Insurance Plan

      HDFC ERGO iCan Insurance plan excludes the following:

      • Treatment for diseases other than cancer
      • Pre-existing cancer
      • Non-allopathic treatment
      • Treatments availed outside of India
      • Prosthetics and other devices
      • External congenital diseases

      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*
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      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

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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. 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

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