HDFC ERGO iCan Cancer Insurance Plan

iCan Cancer Plan Benefits

The iCan Cancer Health Insurance plan offers several benefits, from critical care to lifelong coverage.

• Lifelong Coverage

  The plan provides lifelong coverage, irrespective of the insured's medical state or age. This is particularly beneficial given the potential for cancer recurrence and the increased probability of certain cancers (e.g., breast, ovarian) in women with age.

• CritiCare Benefit

  Upon cancer diagnosis, the insured receives a 60% lump sum payout of the sum insured. For example, if the sum insured is Rs. 20 lakhs, Rs. 12 lakhs is paid as a lump sum, while the full Rs. 20 lakhs remains available for treatment expenses.

• FamilyCare Benefit

  For diagnosis of Stage IV cancer or cancer recurrence, a 100% lump sum payment of the sum insured is provided. For instance, with a Rs. 20 lakhs cover, the policyholder receives Rs. 20 lakhs as a lump sum, in addition to the base Rs. 20 lakhs available for treatment expenses.

• My Care Benefit

  Standard Plan

  The plan covers expenses for hospitalization (daycare and in-patient) and outpatient treatment for cancer. Covered conventional treatments include:

  • Chemotherapy
  • Radiotherapy
  • Organ transplantation (as part of cancer treatment)
  • Surgeries for excision of cancerous tissue or removal of organs/tissue (Onco-surgery)

  It also covers pre-hospitalization medical expenses incurred within 30 days before hospitalization and post-hospitalization treatment costs after discharge. Emergency ambulance coverage of Rs. 2,000 per hospitalization is provided, along with follow-up care coverage of Rs. 3,000 twice a year.

  Advanced Plan

  The Advanced Plan offers additional coverage beyond the benefits of the Standard Plan.

• Second Opinion

  iCan Cancer Insurance covers a second opinion from a specialist, depending on the criticality of the cancer phase for individual or family floater policies.