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5 Things to Consider Before Buying Cancer Insurance Plans

Updated On Aug 09, 2021

Cancer is responsible for one in six deaths globally. And because treatment for this life-threatening illness is so expensive that it holds the potential to burn your entire savings in one go, here comes into the scene the need for Cancer insurance plans

Understanding the sensitivity to the illness, many health insurance companies have introduced Cancer insurance plans which offer the policy buyers an amount in a lump sum on diagnosis. 

But like all other insurance plans, shortlisting the best insurance plan for Cancer can be a tiresome job. for which, Insurancedekho has jotted down factors which you must check for in your plan before deciding on one. Read them below- 


As it takes a lot money to get treated for cancer, you must look for a plan with extensive coverage features. Make sure you go for a plan that covers extensive chemotherapy, and expensive drugs, in addition to the basic coverage features like pre and post hospitalisation expenses, nursing and boarding expenses, Surgeon/Consultant’s fee etc. as you may need it in future.

Types and stages of Cancer covered: 

There are different stages in Cancer (pre-stage, early-stage, and major/critical stage). And many cancer insurance plans offer stage based payouts for treatment. Hence, you must analyse if the payout you are getting under the shortlisted plan is sufficient for the treatment or not. You must also be Waiting period
informed about the types of Cancers covered under that plan. Go for the product that covers maximum types of Cancer.

Waiting period: 

Waiting period is a particular time after buying the policy for which you cannot make any claim. It is a vital factor that must be checked before shortlisting any Cancer insurance plan. A wise option will be when you go for a plan that offers you the least waiting period. 

Note that the usual waiting period is of 3 to 6 months in Cancer insurance plans.   

Premium waivers: 

Many Cancer insurance plans waive off the premium on the diagnosis. In order to buy a plan with most benefits, choose the one with this feature as plans with premium waivers can be of great help for the patient’s family. They will not be required to pay the premium at such a sensitive time. 


Last but not the least, read thoroughly about the exclusions under Cancer insurance plans before taking any call. Some may restrict coverage in a way and some in other. Check if your shortlisted plan excludes a particular type of Cancer or recurrent claims the illness affecting the same organs.   

Top Cancer Insurance Plans in India 

Your basic health insurance plan does not offer comprehensive coverage for Cancer. Which is why you require a dedicated health insurance plan for Cancer. 

So, to make it even easier for you to shortlist insurance plan for Cancer online, you can refer to the ones listed below. The features listed along may help you gain clarity as well. 

1. Cancer Care Gold by Star Health Insurance

  • Minimum sum insured-Rs. 3 Lakh
  • Minimum and maximum age limit-5 months and 65 years respectively
  • Major benefits-Room rent, daycare procedures, pre and post hospitalisation expenses, etc. 

2. Cancer Mediclaim Policy by New India Assurance

  • Minimum sum insured-Rs. 50,000
  • Minimum and maximum age limit-18 years and 70 years respectively
  • Major benefits-Emergency ambulance expenses, nursing expenses, allopathic treatment, etc.

3. iCan Cancer by Apollo Munich Health Insurance

  • Minimum sum insured-Rs. 5 Lakh
  • Minimum and maximum age limit-5 years and 65 years respectively
  • Major benefits-Pre and post hospitalisation expenses, Criticare and FamilyCare benefits, hospitalisation and daycare treatment etc.

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You can visit the website of Insurancedekho where you will find the best cancer insurance plans offered by leading insurance companies like Star Health, New India Assurance, HDFC Ergo, etc. at affordable premiums. You can also make use of the health insurance premium calculator on the website to determine the monthly premiums on choosing a particular cancer insurance plan. 

So, buy the best insurance plan for Cancer from InsuranceDekho today and secure your happiness in a few easy steps. Stay healthy, stay insured!  

You may also like to read: Cancer Insurance Policy Vs. A Critical illness Plan: Find Differences

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