Care Cancer Insurance Mediclaim Policy
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Care Cancer Insurance Mediclaim Policy (formerly known as Religare Cancer Insurance Mediclaim Policy)

Care Cancer Insurance Mediclaim is a pure cancer illness plan. It provides coverage only for treatment/ surgeries relating to cancer. The plan provides its insured with an overall coverage from cancer and helps you fight more easily with its add on facilities and services.

Here are all the details relating to the plan that is necessary to be acknowledged by the policy buyers.

Features Of Care Cancer Insurance Mediclaim

The features of Care Cancer Mediclaim have been explained below:

Initial waiting PeriodThe insured needs to serve a waiting period of 90 months as an initial waiting period.
Pre-Existing Disease Waiting PeriodThere is a waiting period of 4 years to be served under pre-existing diseases.
Health PortalThis portal provides the insured with value-added services and it is available on the company’s website. Things like health risk assessment, special rates for OPD, Doctor on chat, etc can be found under this portal.
Doctor On-CallThe doctors are available on call to guide the insured in case of any requirement.
Alternative TreatmentUnder the alternative treatment coverage, the plan covers Homeopathic Treatment, Ayurvedic Treatment, Unani Treatment, and Siddha treatment.
Quick Recovery CouncillingThe insured is charged Rs.1000 for each session and he is eligible to take a maximum of 8 sessions post-hospitalization in one policy year.

Eligibility of Care Cancer Mediclaim

Criteria (Individual Basis)Details
Minimum Entry Age5 years
Maximum Entry Age50 years
Policy Term1 year, 2 years or 3 years
Sum Insured Options10 Lacs, 25 Lacs, 50 Lacs, 1 Crore, Rs. 2 Crore

Benefits/Coverages of Care Cancer Insurance Policy

All the benefits of the plan have been listed below and elaborated for your better clarity:

  • International Second Opinion

    As a special benefit under the plan, in every policy year, the insured can take the second opinion once per covered diseases/ illnesses.
  • Chemotherapy And Radiotherapy

    All the expenses relating to chemotherapy and radiotherapy treatment is covered up to the sum insured.
  • Room Rent Modification

    The room rent modifications can be done based on the premiums paid by the insured. Moreover, the plan gives you the freedom to choose from a single private room and there is no upper limit to this.
  • In-Patient Care

    The plan provides for in-patient care, in case of hospitalization for more than 24 hours and it is covered up to the sum insured.
Cancer Mediclaim policy
  • Pre-Hospitalization

    All the medical expenses incurred 30 days before the hospitalization is covered under the pre-hospitalization expenses.
  • Post-Hospitalization Cover

    All the medical treatment expenses incurred within 60 days after discharge from the hospital get covered under the post-hospitalization expenses.
  • Daycare Treatment

    Daycare treatment is provided under the plan and it is covered up to the sum insured
  • Ambulance Cover

    Ambulance cover is provided to the insured per hospitalization up to maximum coverage of Rs. 3000 is provided.
  • Organ Donor Cover

    All the costing of treatment of an organ donor is covered under the plan and the coverage is provided up to sum insured/ 15 Lacs (Whichever is lower)
  • NCB

    There is a corresponding increase in SI by 50% in the 1st year, 25% in 2nd year, and 25% in the 3rd year. It can be a maximum of up to 100% of the sum insured.
    In case a claim has been paid on the demand of the insured then there is a decrease in SI per policy year on 50%/ 25%/ 25% basis respectively. These decrease in the sum insured accrued as NCB
  • Air Ambulance

    Air ambulance expenses are covered up to Rs 5 Lacs.
  • Annual Health-Checkup

    The insured can avail of the annual health check-up facility. It is provided annually but from 2nd policy year that too on continuous coverage.
  • OPD Expenses

    All the doctor consultancy fees and other medicine charges are covered under this. It is up to 1% of the sum insured and it can be maximum up to Rs. 25,000.
  • Global Coverages

    The insured is provided with coverage for treatment outside India but 10% of co-payment is applied for each claim and it is to be paid by the policyholder.
  • ICU Charges

    Insured under Care Cancer Insurance Mediclaim gets coverage for ICU and the best part about this coverage is that there is no limit relating the expenses under ICU charges.
  • Room Rent

    The policyholder can choose for a minimum of the single private room whereas there is no upper limit under this. It is subjected to the premiums paid by the insured under the policy.
  • Pre-Insurance Health Checkup

    There is no procedure like a pre-insurance health checkup before buying the plan. All who fulfill the eligibility criteria are free to buy the Care Cancer Insurance Mediclaim Policy.
  • Other Illnesses Coverage

    The Care Cancer Insurance Mediclaim Policy does not cover any illnesses treatment expenses other than cancer-related illness/disease/surgery.

Care Cancer Insurance Mediclaim Policy Sample Premium

Illustration for monthly basis premium payment for individuals with different age have been given below:

Policy Term: 1 Year

AgeSI Rs.10LSI Rs.25LSI Rs.50LSI Rs.1CrSI Rs.2Cr
18 YearsRs. 831Rs. 1823Rs. 3401Rs. 4929Rs. 5167
25 YearsRs. 831Rs. 1823Rs. 3401Rs. 4929Rs. 5167
35 YearsRs. 1048Rs. 2919Rs. 3844Rs. 6393Rs. 7528
45 YearsRs. 1930Rs. 3858Rs. 5780Rs. 12699Rs. 16772

Policy Term: 3 Years

AgeSI Rs.10LSI Rs.25LSI Rs.50LSI Rs.1CrSI Rs.2Cr
18 YearsRs. 2244Rs. 4922Rs. 9183Rs. 13309Rs. 13951
25 YearsRs. 2244Rs. 4922Rs. 9183Rs. 13309Rs. 13951
35 YearsRs. 2829Rs. 5919Rs. 10378Rs. 17260Rs. 20326
45 YearsRs. 5211Rs. 10417Rs. 15606Rs. 34288Rs. 45285

Care Cancer Insurance Mediclaim Policy Review

The Cancer Insurance Mediclaim has got a positive and appreciable response from its policyholders. The services and facilities provided under the plan have been successful in serving the needs of the insured. It has been giving a tough competition to other cancer insurance plans present in the market when we talk about the review.


The policy can be bought for 1 year, 2 years, and 3 years.

The maximum sum assured limit under the plan is Rs. 2 Crore.

The plan does not have any limitation on ICU expenses.

An amount equal to 1% of the sum assured is provided as coverage for OPD expenses subjected to a condition that it can maximum go up to Rs.25,000.

The maximum entry age for Cancer Insurance Mediclaim is 50 years.

Last updated on 15-01-2021