Network hospitals
12000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
Network hospitals
12000+
Claim settlement ratio
98.49%
Sum insured
2 CR
No. of Plans
7
Solvency Ratio
1.68
Pan India Presence
200+
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: .
HDFC Ergo Health Insurance Plan Detailed Review
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.
SI OPTIONS: iCan Essential
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
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
AYUSH Treatment
Not Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 2K
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Covered
Vaccination
Not Available
SI OPTIONS: iCan Enhance
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
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
AYUSH Treatment
Not Available
IVF Treatment
Not Available
Modern Treatment
Not Available
Ambulance
Covered up to 2K
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Not Available
Second Medical Opinion
Covered
Vaccination
Not Available
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:
Coverage status under HDFC ERGO iCan Cancer Plan?
Under HDFC ERGO iCan Cancer Plan, room rent is covered
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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
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
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
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:
Coverage status under HDFC ERGO iCan Cancer Plan?
Not covered
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
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under HDFC ERGO iCan Cancer Plan?
Not available
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.
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
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.
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under HDFC ERGO iCan Cancer Plan?
Not available
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.
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.
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.
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.
Permanent Exclusions | Coverage after Waiting Period
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.
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing diseases after 48 Months
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
Sum Insured (in Rs.) | 5 Lakhs | 10 Lakhs | 20 Lakhs | 50 Lakhs |
Premium Payable (in Rs.) | 1016 | 1062 | 1246 | 2093 |
Sum Insured (in Rs.) | 5 Lakhs | 10 Lakhs | 20 Lakhs | 50 Lakhs |
Premium Payable (in Rs.) | 1155 | 1328 | 1742 | 3395 |
iCan Cancer Health Insurance plan offers several benefits to its customers. From criticare benefit to lifelong coverage, iCan Cancer has got everything covered.
Avail lifelong Coverage For Cancer Treatment
Get 60% of SI as a lumpsum benefit over and above the base Sum Insured
Get 100% of SI as lumpsum benefit over and above the base Sum Insured
Avail 2 coverage options: Standard & Advanced
Consut a specialist for second opinion
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.
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.
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.
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:
Advanced Plan
Other than the base cover following are mentioned things get coverage under the advanced plan:
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.
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:
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
Unique Features
Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.
Unique Features
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Unique Features
Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.
Unique Features
An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.
Unique Features
Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.
Unique Features
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
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
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.
Unique Features
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.
See More Health Insurance Articles
See More Health Insurance Articles
No, the plan does not cover any of the non-allopathic treatments.
The maximum age limit to buy the plan is 65 years.
Particularly there is no such plan. Rather women can be covered under the iCan Cancer Insurance individual plan.
The waiting period is for 120 days.
The maximum sum insured limit is Rs. 50 lakhs.
No, these diseases are clearly mentioned in the exclusions of the plan.
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October 4, 2023
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