iCan Cancer Insurance Plan

Overview

The iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance Company. It covers medical expenses incurred during the treatment of cancer.

An advanced plan variant is also available, offering additional coverage for cancer treatment costs. This plan also provides for a medical second opinion upon initial cancer diagnosis during the policy term.

Relations Covered

The plan covers:

• Self
• Spouse
• Dependent children
• Dependent parents
• Dependent parents-in-law

Plan Variants

There are two variants of the iCan Cancer Insurance Plan:

• iCan Essential
• iCan Enhance

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.

Exclusions

• Non-allopathic treatment.
• Any treatment other than cancer.
• Congenital external diseases, defects, and anomalies.
• Pre-existing cancer conditions for which the insured had existing signs or symptoms, was diagnosed, or received consultation, investigation, treatment, or admission before the policy issuance date.
• Prosthetic and other devices that are self-detachable and removable without surgery involving anesthesia.
• AIDS and other HIV infections, including but not limited to conditions related to or arising out of HIV/AIDS such as ARC, Lymphomas in the brain, Kaposi's sarcoma, and tuberculosis.
• Treatment availed outside India or at a healthcare facility that is not a hospital.
• Pre-existing diseases after 48 months.

HDFC ERGO iCan Cancer Insurance Sample Premiums

For a better understanding, here are sample premium illustrations for the iCan Cancer plan. The premiums are calculated for a 30-year-old, non-smoker male for both Essential and Enhance variants.

iCan Essential

iCan Enhance