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Protection From Cancer

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Cancer insurance is a special type of policy designed to offer financial assitance to those dignose with the diesease after the look up period mentioned in the purchase cancer insurance policy terms and condition. A cancer specific policy offer cost of various cancer diagnose and treatment, including hospitalization, radiation, surgery etc.

How Does Cancer Insurance Work?

A cancer insurance policy get activated as soon as the person is diagnosed with cancer. when the insured get diagnosed with cancer, a lumpsum amount equivalent to the sum insured is paid by the insurance company. the amount can be used to cover the treatment cost of cancer. the claim money is usally payble at various stages includes minor, major and critical stages, providing diagnose during policy year. however cancer policies do not offer death, maturity and surrender benefit.

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Exclusions of Cancer Insurance

The following disease and condition are- 

  • Skin Care
  • Any kind of Cancer directly or indirectly caused by or contribute to by sexullay transmitted disease, HIV, Aids.
  • Cancer resulting from any congenial condition and pre-existing condition.
  • Cancer resulting from biological, nuclear, chemical contaiment
  • any cancer caused due to contact with radiation or radioactivity from any non diagnostic or therauptic source.

Note: these are general exclusion. specific exclusion may vary between us.

How Does Cancer Insurance differ from a Critical Illness Insurance Plan

unlike cancer insurance plan a critical illness insurance plan pay for expensive treatment of a range of listed critical disease like stroke, major organ transplant, paralysis, cardiac arrest, multiple sclerosis, kidney failure, total blindness, deafness and some life threatning cancers.

A regular critical illness plan also pay a lump sum benefit to the insured after he/she is diagnosed with a covered critical illness. however most critical illness insurance plan cover cancer only at an advanced stage. for instance a critical illness plan will pay for cancer if a malignant tumour exihibt uncontrolled growth, with invasion and destruction of normal tissues at an advanced stage. it also does not cover any complications arising from cancer.

Also it does not waive off future premium or increase the sum insured on every claim free year. moreover if the policyholder show cancer symptom within the 90 days the plan cease to exist. 

When Should you buy Cancer Insurance?

you should buy cancer insurance policy if –

  • you have a family history of Cancer
  • you believe that you have higher risk of devloping cancer due to environmental or other reason
  • you do not have adequate saving to pay for medical bills
  • your regular health insurance policy does not have sufficient coverage.
  • you are the only earning member.

 

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