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 Benefits of Cancer Mediclaim Plan
Additional health services and benefits that you can avail of with this policy are;
Quick recovery counselling
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.
Doctor on call
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.
Health Portal
The policyholders are entitled to get applicable health services and value-added facilitation through the official website of Care Health Insurance.
Global coverage
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
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.
Eligibility criteria for the Care Cancer Mediclaim plan
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.*
Benefits of Care Cancer Mediclaim Policy
Care Cancer Mediclaim insurance policy comes with extended coverage benefits, specifications of which are mentioned below:
On-call doctors
You can avail of several health services for tracking your overall wellness through connecting with experts/doctors/specialists on call, through the digital health portal, and availing a speedy recovery therapy session/s.
Cancer-related cover
The plan provides you with a safety net against any health complications and financial shortcomings of cancer-related issues, like diagnostic tests, cancer treatment expenses, consultations post-cancer care, etc. Additionally, the treatment expenses for radiotherapy and chemotherapy are also covered up to the sum insured.
Lifelong protection
You get a monthly and quarterly instalment of premium payments at affordable rates, to cater to your cancer-related healthcare needs for your lifelong health goals.
Daycare procedures
You are empowered to avail multiple daycare procedures that take less than 24 hours to treat, like oncology, neurology, and paediatric surgeries.
Tax benefits
You can avail of a tax exemption benefit with this plan under Section 80D of the Income Tax Act, 1961.
Choose your Care Cancer Mediclaim plan
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
N/A
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
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 the Care Cancer Mediclaim Policy
Covered up to SI
What are ICU Charges?
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
What is Pre Hospitalization?
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
What is Post Hospitalization?
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
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 the Care Cancer Mediclaim Policy
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 the Care Cancer Mediclaim Policy
Covered up to SI
What are OPD charges?
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
What is COVID-19 Treatment?
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under the Care Cancer Mediclaim Policy
Not covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under the Care Cancer Mediclaim Policy
Not covered
What is a No-Claim Bonus?
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
What is Automatic Restoration?
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
What is Daily Hospital Cash?
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
What is an Organ Donor Cover?
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
What is a Maternity Cover?
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
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 the Care Cancer Mediclaim Policy
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 the Care Cancer Mediclaim Policy
Covered up to 25% of the SI
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 the Care Cancer Mediclaim Policy
Not covered
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 the Care Cancer Mediclaim Policy
Not covered
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 the Care Cancer Mediclaim Policy
Covered up to INR 3,000 per hospitalisation
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 the Care Cancer Mediclaim Policy
Not Covered
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 the Care Cancer Mediclaim Policy
Not covered
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under the Care Cancer Mediclaim Policy
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 the Care Cancer Mediclaim Policy
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
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 the Care Cancer Mediclaim Policy
Covered once per policy year as per medical condition that's covered in the policy's terms
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the Care Cancer Mediclaim Policy
Not available
What is Co-payment?
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
What is the Sub limit?
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 Network Hospital List
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
What are the exclusions under the Care Cancer Mediclaim policy?
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
Claim process of Care Cancer Mediclaim policy
Here are the steps you need to follow to claim your Care Cancer Mediclaim policy:
For cashless claim settlement
Step 1
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.
Step 2
Fill out the pre-authorization form after collecting it from the TPA and submit the required details to the TPA.
Step 3
If the insurer finds your claim legitimate, they will directly settle all the expenses with the networking hospital.
For reimbursement claim
Step 1
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.
Step 2
Collect the claim form and fill it out carefully, attach your documents such as policy documents, and others that are required.
Step 3
The insurer will verify all the attachments, and cross-examine the terms and conditions with your policy's claim.
Step 4
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.
Final Thoughts
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.
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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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