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| Star Cancer care gold | Religare Cancer mediclaim | HDFC ERGO Women Cancer Plus | New India Cancer Guard | Raheja QBE Cancer | ||||||||||||||||||||
| BUY NOW | BUY NOW | BUY NOW | BUY NOW | BUY NOW | ||||||||||||||||||||
| Brochure | ||||||||||||||||||||||||
| Brochure | Brochure | Brochure | Brochure | Brochure | ||||||||||||||||||||
| Policy Term | ||||||||||||||||||||||||
| 1 year | 1/2/3 years | Upto 3 years | 1 year | 1 year | ||||||||||||||||||||
| Eligibility Criteria | ||||||||||||||||||||||||
| Persons between the age of 5 months and 65 years, who have already been diagnosed with Cancer (Stage 1 or Stage 2) can avail this insurance. | 5 years to 50 Years on Individual Basis |
18 to 65 years | 3 months to 65 years | 1 day to 70 years can opt for this insurance cover | ||||||||||||||||||||
| Sum Insured (SI) | ||||||||||||||||||||||||
| Rs.3,00,000/- and Rs.5,00,000/- | 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore | 3 Lakhs to 1 Crore | 5 Lakh | 10 Lakh | 15 Lakh | 25 Lakh | 50 Lakh | Rs.1 Lakh and in multiples thereof subject to a maximum of Rs.10 Lakhs | ||||||||||||||||||||
| Coverage | ||||||||||||||||||||||||
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Individual : Maximum up to 6 Persons | Individual and Family Floater | Individual | Sum Insured options starting from Rs.1 Lakh and in multiples thereof subject to a maximum of Rs.10 Lakhs available under this policy. 50% of Sum Insured or Rs. 2,50,000 whichever is less as lump sum amount on acceptance of claim. |
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| Pre hospitalization | ||||||||||||||||||||||||
| Up to 30 days prior to the date of admission | 30 days | - | Relevant medical expenses, towards treatment of Cancer, incurred before admission inthe Hospital for a period of THIRTY (30) days prior to the date of admission under Pre Hospitalisation Medical Expenses | - | ||||||||||||||||||||
| Post hospitalization | ||||||||||||||||||||||||
| Up to 60 days prior to the date of admission | 60 days | - | Those incurred after Discharge from the Hospital for a period of SIXTY (60) days after the date of discharge are payable are payable under Post Hospital Medical Expenses | - | ||||||||||||||||||||
| Day care treatments | ||||||||||||||||||||||||
| All day care treatments | Listed as per the Plan, Up to Sum Insured | - | 58 daycare procedures are covered | - | ||||||||||||||||||||
| Ambulance cover | ||||||||||||||||||||||||
| Emergency Ambulance charges for transporting the Insured person to the hospital up to a sum of Rs.1500/- per hospitalization and Rs.2000/- per policy period. | Up to Rs. 3000 per hospitalization | - | Up to Rs. 3000 per hospitalization | - | ||||||||||||||||||||
| Renewal | ||||||||||||||||||||||||
| Lifelong Renewability | Lifelong Renewability | Lifelong Renewability | Your Policy can be renewed, as long as You pay the Renewal Premium before the dateof expiry of the Policy or within grace period | On every claim free Renewal, No claim bonus( NCB) of 5 % ( Max upto 25%) | ||||||||||||||||||||
| General waiting period | ||||||||||||||||||||||||
| Section 1:
30 months waiting period :
Treatment must have commenced only after waiting period for an admissible claim under
this section Section 2 and Section 3:
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90 days and 180 days as per the illness specified in policy wordings 1 year for Pregnancy and Newborn Complications. 4 Years for all Pre-existing Conditions declared and/or accepted at the time of applying first policy with us. |
90 days | - | ||||||||||||||||||||
| Co-pay | ||||||||||||||||||||||||
| 10% co-pay shall be applicable on each and every claim under Section 2 and 3
if you are aged above 60 years during first inception of this policy. Such co-payment shall be
applicable for renewal also. If your age is upto 60 years during first inception of this policy then co-payment condition shall not be applicable |
Up to SI*; only for SI* >=1Cr (Limited to In-Patient Care and Day Care treatment) with a Co-payment of 10% per Claim | - | - | - | ||||||||||||||||||||
| Claims procedure | ||||||||||||||||||||||||
| For Section 1: a) Certificate from the Treating Doctor confirming the recurrence/metastasis / second malignancy of Cancer b) Clinical, radiological, histological, pathological, histopathological and laboratory reports in support. For Section 2 and Section 3: · Call the 24 hour help-line for assistance-1800 425 2255/ 1800 102 4477. Inform the ID/Policy number for easy reference · In case of planned hospitalization, inform 24 hours prior to admission in the hospital · In case of emergency hospitalization, information to be given within 24 hours of hospitalization · Cashless facility can be availed in all network hospitals wherever possible · In non-network hospitals payment, must be made up-front and then reimbursement will be effected on submission of documents if claim is found admissible |
No Claims Bonus - 50%/25%/25%-Corresponding increase in SI* for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI* | - | - | 50% of Sum Insured or Rs. 2,50,000 whichever is less as lump sum amount on acceptance of claim. | ||||||||||||||||||||
| Advantages | ||||||||||||||||||||||||
| 1) No Third Party Administrator, direct in-house claims settlement. 2) Faster and hassle – free claim settlement. 3) Cashless facility wherever possible in network hospitals. |
1)Pre and post
hospitalization medical
expenses covered 2)Chemotherapy & Radiotherapy Cover 3)No specific ailment waiting period |
Cancer Cover, Carcinoma in Situ, Major Illnesses Covered, Minor Illnesses Covered |
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Covers all types of Cancer (except Cancer caused in presence of HIV & Kaposi Sarcoma which is one of the many forms of skin cancer) Covers very early stage forms as well ( regardless of location and spread of cancer) |
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