Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Network hospitals
9747+
Incurred claim ratio
53.82%
Sum insured
Up to 6 CR
No. of Plans
14
Solvency Ratio
1.8
Pan India Presence
-
PolicyX.com is a Recognised Care Partner View Certificate
Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered.
Cancer can be defined as distress, hopelessness and loss. There could be ‘n' number of reasons that lead to dangerous cancers, and getting a temporary or permanent cure for it can cost you almost your whole life savings. To safeguard your mental and financial health during this tough time, Care Health Insurance has a specialized cancer mediclaim policy for you. It covers the overall medical expenses that you need to diagnose, treat, and care for cancer-related medical conditions.
With the Care Cancer Mediclaim policy, you get medical cover for cancer-related hospitalisation, surgeries, radiotherapy, chemotherapy, OPD, pre and post-hospitalisations, and much more. The good part is, that you can get medical support at any stage of your life by paying a very minimal amount as your policy premium, for as long as you want to continue the policy. All types of cancers are covered within a single mediclaim policy, organ donor expenses and annual health check-ups are other diversifications of this policy.
Additional health services and benefits that you can avail of with this policy are;
There is an option to avail of recovery counselling sessions post-hospitalisation that count up to 8 times in a policy year (twice a month), out of which the insurer will pay INR 1,000 for each session.
On-call/online counselling from cancer specialists or doctors is a facility that makes this policy stand out in cancer health insurance plans and cancer mediclaim policies in India.
The policyholders are entitled to get applicable health services and value-added facilitation through the official website of Care Health Insurance.
To extend the quality experience with healthcare services of your Care Cancer Mediclaim, you the policyholders are given global coverage outside India for a continuous 45 days at a single trip duration (except, with a cumulative bonus benefit, this duration can be extended up to 90 days during a policy year).
OPD expenses of the policy allow the insured to avail of benefits such as consultations, pharmacy, and diagnostics up to a maximum of 1% of the sum insured or a maximum of INR 25,000 of the total sum insured.
Read further to know about the eligibility criteria for buying the Care Cancer Mediclaim policy, along with its coverage benefits, claim procedure, and much more.
Here are the eligibility criteria, sum insured, waiting period, and other specifications of the Care Cancer Mediclaim insurance policy:
Entry Age
Minimum: 5 Years
Adult Age
Maximum: 50 Years
Sum Insured
INR 10 Lakhs - 2 Crores
Plan Type
Individual/Multi-individual: Maximum up to 6 persons
Policy Term
1 Year
Initial Waiting Period
90 Days
*The Initial Waiting Period is the 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.*
Care Cancer Mediclaim insurance policy comes with extended coverage benefits, specifications of which are mentioned below:
Read below the sum insured and coverage specifications of the Care Cancer Mediclaim insurance policy:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
N/A
No Claim Bonus
Covered
Automatic Restoration
N/A
Daily Hospital Cash
N/A
Organ Donor
Covered
Maternity Cover
N/A
New Born Baby Cover
N/A
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
N/A
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
N/A
Compassionate Travel
N/A
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
N/A
Limitations
Co-payment
Applicable
Sub-limits
N/A
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 the Care Cancer Mediclaim Policy
Covered up to SI
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under the Care Cancer Mediclaim Policy
Covered up to SI
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the Care Cancer Mediclaim Policy
Covered up to SI, 30 days before hospitalisation
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the Care Cancer Mediclaim Policy
Covered up to SI, 60 days before hospitalisation
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 the Care Cancer Mediclaim Policy
Not covered
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under the Care Cancer Mediclaim Policy
Covered up to SI
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under the Care Cancer Mediclaim Policy
Covered up to 1% of the SI, a maximum of INR 25,000
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under the Care Cancer Mediclaim Policy
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under the Care Cancer Mediclaim Policy
Not covered
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under the Care Cancer Mediclaim Policy
Available
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under the Care Cancer Mediclaim Policy
Not covered
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under the Care Cancer Mediclaim Policy
Not covered
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under the Care Cancer Mediclaim Policy
Covered up to the SI or INR 15 Lakhs, whichever is lower
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under the Care Cancer Mediclaim Policy
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 the Care Cancer Mediclaim Policy
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under the Care Cancer Mediclaim Policy
Covered up to 25% of the SI
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 the Care Cancer Mediclaim Policy
Not covered
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under the Care Cancer Mediclaim Policy
Not covered
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 the Care Cancer Mediclaim Policy
Covered up to INR 3,000 per hospitalisation
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under the Care Cancer Mediclaim Policy
Not Covered
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 the Care Cancer Mediclaim Policy
Not covered
Any kind of medical/health emergency when you are outside of India.
Coverage status under the Care Cancer Mediclaim Policy
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 the Care Cancer Mediclaim Policy
Available, post-hospitalisation online counselling
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under the Care Cancer Mediclaim Policy
Available for diagnostic tests of cancer-related medical issues
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 the Care Cancer Mediclaim Policy
Covered once per policy year as per medical condition that's covered in the policy's terms
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the Care Cancer Mediclaim Policy
Not available
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under the Care Cancer Mediclaim Policy
Applicable
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under the Care Cancer Mediclaim Policy
Not applicable
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 9747+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Here are what's not covered in the Care Cancer Mediclaim plan:
Non-medical expenses that are not mentioned in the policy document
Treatment occurring during pregnancy, miscarriage, maternity, childbirth, complications, abortion, etc
Treatment taken from non-medical practitioners or someone who is practising without license or self-medication
Unproven treatment, investigation and evaluation
Eye, ENT, dental, oral, and external appliances
Mental or psychological illness/disorder, Parkinson's, Alzheimer's disease
Plastic/beautification/cosmetic surgeries except accidental, cancer or burns that need to be addressed in treatment
Non-licensed treatment
Act of self-injury/destruction.
Attempt of suicide
Alcohol and drug abuse
Preventive care/tests, vaccination, vitamin and tonic doses, etc
Breach of law, unlawful activities, etc
Others, as specified in the policy documents
Here are the steps you need to follow to claim your Care Cancer Mediclaim policy:
If it's a planned hospitalisation, inform 48 hours before the hospitalisation. In case of unplanned emergency hospitalisation, inform your insurer within 24 hours of hospitalisation.
Fill out the pre-authorization form after collecting it from the TPA and submit the required details to the TPA.
If the insurer finds your claim legitimate, they will directly settle all the expenses with the networking hospital.
If it's a planned hospitalisation, inform 48 hours before the hospitalisation. In case of unplanned emergency hospitalisation, inform your insurer within 24 hours of hospitalisation.
Collect the claim form and fill it out carefully, attach your documents such as policy documents, and others that are required.
The insurer will verify all the attachments, and cross-examine the terms and conditions with your policy's claim.
Pay the medical bills upfront from your account and wait for the insurer's notification. If your claim aligns with the terms and conditions of your policy documents, specified medical expenses will be reimbursed and credited to your account.
If you are worried about getting a cancer-related medical complication soon because there is a family history of cancer or you think it better to get cover for cancer treatment because there were some signs of it in the past. Worry not! Care Cancer Mediclaim policy has got you covered. It will provide you with the recurring medical expenses of cancer diagnosis, treatment, post-cancer care, and so on.
Do you have questions about the Care Cancer Mediclaim policy? Don't think twice about reaching out to our customer experts at 1800 4200 269, or email us at helpdesk@policyx.com.
Care Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
Comprehensive
A plan designed to provide coverage for the high expenses occurred from major surgeries and procedures.
Unique Benefits
Flexible
A flexible health plan that covers advanced technology methods, unlimited e-consultations and personal accidents.
Unique Benefits
Comprehensive
A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.
Unique Benefits
Affordable
Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.
Unique Benefits
Maternity
A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.
Unique Benefits
Standard
A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.
Unique Benefits
Diabetes & BP
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
Heart Diseases
Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.
Unique Benefits
Top-Up Plan
A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.
Unique Benefits
Senior Citizen Plan
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
Critical Illness Plan
Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.
Unique Benefits
Supreme Plan
A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.
Unique Features
Supreme Plan
A unique personal accident plan covering serious ailments arising due to accidents and safeguarding your family
Unique Benefits
Supreme Plan
This plan is exclusively designed to provide 32 defined critical illness treatment cover to the policyholders and also offers psychiatric counselling.
Unique Benefits
1. Is the daycare procedure covered in the Care Cancer Mediclaim policy?
Yes, major daycare procedures are covered with this policy including oncology, neurology, paediatric surgeries, and more.
2. What is the waiting period for pre-existing conditions under the Care Cancer Mediclaim policy?
For pre-existing diseases, the waiting period is 48 months from the date of policy issuance.
3. Can I get an annual health check-up with this policy?
Yes, you can avail of an annual health check-up benefit to diagnose any traces of cancer-related health issues.
4. Can I buy the Care Cancer Mediclaim policy for my family?
No. It’s an individual plan but you can buy an individual mediclaim policy for up to 6 members of your family.
5. What are the special treatments for cancer that are covered in the Care Cancer Mediclaim policy?
Chemotherapy and radiotherapy are the major cancer treatments covered in this policy.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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February 5, 2023
Asia/Kolkata
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