iCan Cancer Insurance Plan
  • Key Features of iCan Cancer Insurance
  • Eligibility & Other Restrictions
  • iCan Cancer Insurance Premium Samples
HDFC ERGO Health Insurance
premium

Network hospitals

13000+

premium

Claim settlement ratio

98.49%

premium

Sum insured

2 CR

premium

No. of Plans

7

premium

Solvency Ratio

1.68

premium

Pan India Presence

200+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

13000+

premium

Claim settlement ratio

98.49%

premium

Sum insured

2 CR

premium

No. of Plans

7

premium

Solvency Ratio

1.68

premium

Pan India Presence

200+

HDFC Ergo iCan Cancer Insurance Plan

iCan Cancer Insurance is a cancer-specific plan offered by HDFC ERGO Health Insurance company. The plan covers medical expenses incurred during the treatment of cancer. In addition to the standard coverage provided by the plan, the plan offers additional coverage for costs related to cancer treatment.

In addition to the standard coverage provided by the plan, an advanced plan is also an option. The Advanced Plan offers the insured additional coverage for costs related to cancer treatment. When an insured person is initially given a cancer diagnosis within the term of the policy, the plan additionally provides for a medical second opinion.There are two variants of the iCan Cancer Insurance Plan: .

  1. iCan Essential
  2. iCan Enhance

HDFC ERGO iCan Cancer Plan Specifications

Entry Age

5 years to 65 years

Plan Type

Individual/Family Floater

Policy Term

1 Year

Relations Covered

Self, Spouse, dependent children and dependent parents and dependent parents-in-law.

Initial Waiting Period

120 days

Sum Insured

5 | 10 | 15 | 20 | 25 | 50 Lakhs

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Choose Your HDFC ERGO iCan Cancer Plan

SI OPTIONS: iCan Essential

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Available

Automatic Restoration

Not Available

Daily Hospital Cash

Not Available

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Available

IVF Treatment

Not Available

Modern Treatment

Not Available

Emergency Coverage

Ambulance

Covered up to 2K

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Not Available

Second Medical Opinion

Covered

Vaccination

Not Available

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under HDFC ERGO iCan Cancer Plan?

Under HDFC ERGO iCan Cancer Plan, room rent is covered

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under HDFC ERGO iCan Cancer Plan?

Under this plan, ICU Charges are covered.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under HDFC ERGO iCan Cancer Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under HDFC ERGO iCan Cancer Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under HDFC ERGO iCan Cancer Plan?

Under this plan, domiciliary hospitalizations is not covered

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under HDFC ERGO iCan Cancer Plan?

This plan does not cover the expenses of daycare procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under HDFC ERGO iCan Cancer Plan?

Not covered under the plan.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under HDFC ERGO iCan Cancer Plan?

COVID-19 treatment cover is not available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not offer a no-claim bonus.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under HDFC ERGO iCan Cancer Plan?

No Automatic restoirations available under the plan.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under HDFC ERGO iCan Cancer Plan?

Not available

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under HDFC ERGO iCan Cancer Plan?

Organ Donor coverage is not covered

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under HDFC ERGO iCan Cancer Plan?

Not covered

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under HDFC ERGO iCan Cancer Plan?

Not covered

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under HDFC ERGO iCan Cancer Plan?

AYUSH treatment is not available

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under HDFC ERGO iCan Cancer Plan?

Not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not offer any coverage against Modern Treatments.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan covers emergency amulance expenses up to Rs. 2,000

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not cover the cost of an air ambulance.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not cover the compassionate travel expenses

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under HDFC ERGO iCan Cancer Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not cover the expenses for E-consultation.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not offer an Annual Health Check-up benefit.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under HDFC ERGO iCan Cancer Plan?

On receiving a cancer diagnosis, the insured would have the option of asking for a second opinion. This would be delivered by our team of medical professionals, who would have access to cognitive software, deep analytics, and artificial intelligence.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under HDFC ERGO iCan Cancer Plan?

The plan does not offer vaccination cover.

Other Health Insurance Companies

iCan Cancer Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

Permanent diseases or health conditions that are not included under iCan Cancer Insurance plan are:

Non-allopathic treatment

Any treatment other than cancer

Congenital external diseases, defects, and anomalies

Pre-existing condition for cancer for which the insured has existing signs & symptoms, and/or was diagnosed, and/or received consultation, investigation, treatment, or admission anytime prior to the date on which policy was issued.

Prosthetic and other devices which are self-detachable, and removable without surgery involving anesthesia.

AIDs and other infections with HIV 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.

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 48 Months

HDFC ERGO iCan Cancer Insurance Sample Premiums

For a better understanding, below are the sample premium illustrations of the iCan Cancer plan. The premium is calculated for a 30 year old, non-smoker male in the Essential & Enhanced variants

iCan Essential

Sum Insured (in Rs.) 5 Lakhs 10 Lakhs 20 Lakhs 50 Lakhs
Premium Payable (in Rs.) 1016 1062 1246 2093

iCan Enhance

Sum Insured (in Rs.) 5 Lakhs 10 Lakhs 20 Lakhs 50 Lakhs
Premium Payable (in Rs.) 1155 1328 1742 3395

iCan Cancer Plan Benefits

iCan Cancer Health Insurance plan offers several benefits to its customers. From criticare benefit to lifelong coverage, iCan Cancer has got everything covered.

Lifelong Coverage

Avail lifelong Coverage For Cancer Treatment

CritiCare Benefit

Get 60% of SI as a lumpsum benefit over and above the base Sum Insured

FamilyCare Benefit

Get 100% of SI as lumpsum benefit over and above the base Sum Insured

My Care Benefit

Avail 2 coverage options: Standard & Advanced

Second Opinion

Consut a specialist for second opinion

Lifelong Coverage

There are high chances of recurrence of cancer in the first five years after the treatment. The plan does not stop giving coverage to its insured for a lifetime irrespective of medical state and age.This is more beneficial in the case of cancer insurance for women because with the increase in age the probability of occurrence of cancer increases in females. Cases of breast cancer, ovarian cancer, etc have been found in females as their age increases.

CritiCare Benefit

In case the insured is diagnosed with cancer then s/he gets a 60% lump sum payout of the sum insured. This is also applicable to cancer insurance for women. This means if the insured sum is chosen is Rs. 20 lakhs then, in this case, the insured gets Rs. 12 lakhs as a lump sum and still the insured can use the base 20 lakhs, to meet the treatment expenses.

FamilyCare Benefit

On diagnosis of stage IV cancer or recurrence of cancer, a 100% lump sum payment of the sum insured is provided to the policyholder. So, in case the insured has a cover of Rs. 20 lakhs, s/he will get a lump sum amount of 20 lakhs, and still, the policyholder is eligible to have the base 20 lakhs to cover the treatment expenses.

My Care Benefit

Standard Plan

The plan covers expenses for hospitalization (Daycare and Inpatient) and outpatient treatment taken for cancer.

List of conventional treatment that gets coverage are:

  1. Chemotherapy
  2. Radiotherapy
  3. Organ transplantation, as part of cancer transplantation
  4. Surgeries for excision of cancerous tissue or removal of organs/ tissue (Onco-surgery)
  • All the pre-hospitalization medical expenses incurred within 30 days before the hospitalization date get the coverage.
  • Under post-hospitalization expenses, all the costing for treatment after the discharge from the hospitals gets the coverage.
  • There is an ambulance coverage of Rs. 2000 per hospitalization in the case of an emergency.
  • The follow-up care post gets coverage of Rs. 3000 twice a year.

Advanced Plan

Other than the base cover following are mentioned things get coverage under the advanced plan:

  • Personalized and targeted therapy.
  • Immunotherapy including immunology agents e.g. Interferon, TNF, etc.
  • Proton Beam Therapy
  • Stem cell transplantation
  • Hormonal therapy or endocrine manipulation
Second Opinion

iCan cancer insurance provides coverage for a second opinion from a specialist in certain cases depending upon the criticality of the cancer phase for women and individual/ family floaters.

Explore HDFC ERGO Health Insurance

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Explore other HDFC ERGO Health Plans

There are 9 other plans offered by the HDFC ERGO Health Insurance along with HDFC ERGO Optima Restore Health Insurance. Take a look below to explore them:

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Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

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Unique Features

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  • 100% SI restoration
  • Health coach & wellness programs

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Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

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Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts, recovery benefits

My:health Women Suraksha

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Pregnancy & newborn complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

HDFC ERGO Health Insurance Network Hospital List

HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you reside in.

Health Insurance Articles

HDFC Ergo iCan Cancer Insurance Plan FAQs

1. Is ayurvedic treatment covered under the plan?

No, the plan does not cover any of the non-allopathic treatments.

2. What is the maximum age limit to buy the iCan Cancer plan?

The maximum age limit to buy the plan is 65 years.

3. Is there a plan like HDFC ERGO iCan Cancer Cover For Women?

Particularly there is no such plan. Rather women can be covered under the iCan Cancer Insurance individual plan.

4. What is the waiting period for the plan?

The waiting period is for 120 days.

5. What is the maximum sum insured limit under the plan?

The maximum sum insured limit is Rs. 50 lakhs.

6. Are AIDs and HIV covered under the plan?

No, these diseases are clearly mentioned in the exclusions of the plan.

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