Care Health Insurance for Cancer

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Care Health Insurance for Cancer

The Care Cancer Mediclaim policy is a comprehensive policy that provides financial assistance to pay for the treatment cost of cancer.

Care Cancer Mediclaim Policy

The Care Cancer Mediclaim policy is a comprehensive policy that provides financial assistance to pay for the treatment cost of cancer. This cancer insurance policy offers coverage for chemotherapy, radiotherapy, hospitalization, second medical opinion, OPD treatment, ambulance services, etc. The policy also comes with other benefits, including global coverage, air ambulance services and a reduction in the PED wait period.

Benefits of Care Cancer Mediclaim Policy

Here are some of the key benefits of buying the Care Cancer Mediclaim policy:

Cancer-specific Policy

This Care Health Insurance policy is specially designed to cover the cost of various treatments done to cure cancer, including chemotherapy and radiotherapy.

No Limit on ICU Charges

This policy does not come with any sub-limits or coverage limits on ICU charges and thus, the insured can claim the actual ICU expenses incurred during hospitalization.

Annual Health Check-up

As part of buying this policy, the insured is eligible to get a free medical check-up done every year so that any health condition leading to cancer can be detected on time.

Global Coverage

The insured can claim in-patient hospitalization and day care treatment expenses incurred outside India for the treatment of cancer.

No Claim Bonus

The policyholder will be eligible to earn a No Claim Bonus if no claims are raised in the previous policy tenure. This bonus can be used to enhance the sum insured without paying any extra premium amount.

Health Services

This cancer care insurance policy also comes with several health services, including online/telephonic doctor on call, quick recovery counselling and value-added services available through the health portal of Care Health Insurance Limited.

Cashless Hospitalization Benefit

This policy also allows the policyholder to avail the cashless hospitalization facility at more than 19000 network hospitals of the insurance company.

Tax Benefits

Under Sec 80D of the Income Tax Act, the policyholder can avail tax benefits on the premium paid for buying the Care Cancer Mediclaim policy.

Inclusions of Care Cancer Mediclaim Policy

The following coverage is included under the Care Cancer Mediclaim policy:

In-patient Hospitalization Expenses - It covers the cost of hospitalization taken for a minimum of 24 hours, including ICU charges, OT charges, room rent, nursing charges, doctor’s fees, etc.
Day Care Treatment – It pays for the medical expenses incurred on availing treatments that require hospitalization of less than 24 hours.
Pre-hospitalization Costs – It covers the necessary expenses incurred up to 30 days before getting hospitalized. For eg: medical tests, doctor consultations, medications, etc.
Post-hospitalization Costs – It pays for the medically necessary expenses incurred up to 60 days after getting discharged from the hospital. For eg: Follow-up consultations, medical tests, etc.
Chemotherapy & Radiotherapy Cover – It covers the medical expenses incurred on the availing treatment through chemotherapy and radiotherapy.
Ambulance Cover – It pays for the cost of availing ambulance services to transport the insured to a hospital during a medical emergency.
Organ Donor Cover - It covers the cost of harvesting the organ of a donor for an organ transplant surgery of the insured.
Alternative Treatments – It pays for the cost of in-patient treatment taken through the Ayurveda, Sidha, Unani and Homeopathy system of medicines.
Second Opinion – It pays for the medical expenses incurred on availing a second medical opinion from a doctor within India.
OPD Expenses – It covers the medical expenses incurred on outpatient consultations, medicines and diagnostic tests.

Optional Covers:

International Second Opinion – It covers the cost of availing a second medical opinion for your health condition from a doctor outside India.
Air Ambulance Cover – It covers the medical expenses incurred by availing air ambulance services during a medical emergency.
Room Rent Modification Cover – It ensures that there is no limit on room rent or room category and the insured can choose to stay in a hospital room of his/her choice.
Deductible Option – It allows the policyholder to reduce their premium by opting for a deductible amount payable at the time of raising the claim.
Co-payment Option – It allows the policyholder to opt for a 20% co-payment, thereby, reducing the premium amount.
Unlimited Automatic Recharge – It automatically refills the sum insured amount an unlimited number of times during a policy year in case the original amount gets exhausted due to one or more claims.
Additional Sum Insured for Accidental Hospitalization – It enables the policyholder to get an additional sum insured amount in case he/she gets hospitalized due to an accident.
Reduction in PED Wait Period – It allows policyholders to reduce the pre-existing disease waiting period from 48 months to 24 months.

Exclusions of Care Cancer Mediclaim Policy

The Care Cancer Mediclaim policy excludes the following:

Cancer resulting from war-like conditions, rebellion, nuclear attacks, an act of foreign enemy and terrorist activities.
Self-inflicted injuries
Cancer caused due to any type of occupational diseases
Unproven, investigational or experimental treatments
Vaccinations
Dietary supplements and substances

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