Key Things About HDFC Ergo iCan Cancer Insurance Policy You May Not Know
Updated On Aug 09, 2021
Cancer cases are on the rise. A fact to support the given statement is that in India alone, around 10 Lakh people are diagnosed with cancer every year. And around 6 to 7 Lakh die due to it.
The treatment cost of the dreaded disease is so high that it can eat into all your valuable savings right in front of your eyes. Which of course, calls for a spot for the best Cancer insurance plan in your protection basket.
HDFC Ergo Health (Apollo Munich Health Insurance is now HDFC Ergo Health) has something good in store for the Cancer patients. It provides iCan Cancer Insurance Plan that offers targeted protection against Cancer.
Here’s what the plan has in store for the policy buyers -
Features of iCan Cancer Insurance Plan
The plan is available in two variants viz., iCan Essential and iCan Enhance.
The plan is available in sum insured options of Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, and Rs. 50 Lakh.
There is an option of choosing an advanced plan is also available.
Minimum and maximum entry age is 5 years and 65 years respectively.
The plan can be purchased on an individual basis with a maximum of 6 members covered.
The waiting period in the plan comes with an initial waiting period of 120 days.
Benefits offered under iCan Cancer Insurance Plan
iCan Cancer Insurance Plan provides strength to the policyholders by offering them many coverage benefits, such as -
- Lifelong indemnity cover
Regardless of the health status or claims of the policy buyer, this policy is renewable for a lifetime.
- Emergency ambulance cover
Expenses incurred on an ambulance for helping the patient reach hospital are covered for up to Rs. 2,000 per hospitalisation under this plan.
- FamilyCare benefit
This benefit is available under Enhance variant where the company pays 100% of the Sum Insured as a lump sum benefit over and above the base sum insured. This is when the insured gets diagnosed with advanced metastatic cancer or recurrence of cancer, whichever is earlier.
- Pre-Post Hospitalisation cover
Pre and post hospitalisation expenses are covered under this plan for up to 30 days and 60 days respectively.
- Conventional and Advanced Treatments
Cover for conventional treatment includes Radiotherapy, Chemotherapy, Organ transplantation in Cancer treatment, and surgeries for excision or removal of cancerous tissue.
- CritiCare benefit
CritiCare benefit is available under Enhance variant where lump sum payment is made by the insurance company which is equivalent to 60% of the Sum Insured.
- Follow up Care post-treatment
Expenses arising from medical examination are included under this plan for up to Rs. 3,000 twice a year. It is included after treatment for Cancer ends on the recommendation of Medical Practitioner for a minimum of six months with No Evidence of Disease.
See what the plan does not cover
It is extremely important to know all the details about a plan before buying it, which includes exclusions too. Here are some expenses for which the company does not provide cover.
- Any treatment other than Cancer is not covered.
- Non-allopathic treatment is not covered.
- Treatment availed outside India or in any facility other than a hospital is not covered.
- Congenital external diseases, anomalies, or defects are not covered.
- Pre-existing condition for Cancer is not covered.
- AIDS and/or infection with HIV is not included.
Cancer health insurance plans have become the need of the hour and iCan Cancer insurance plan of them is a saviour for us!
For any further clarification, you can read the policy wordings thoroughly.
You should also read 5 Things to Consider Before Buying Cancer Insurance Plans
You can also get in touch with the customer care executives at InsuranceDekho on the toll-free number-18001205698 and get your queries solved.
The team will not only explain the pros and cons of buying this plan but also help you buy it in a few easy steps.
Stay healthy, stay insured!