Does Health Insurance Cover Radiotherapy & Chemotherapy Treatments?


does health insurance cover radiotherapy and chemotherapy treatments

To this date, cancer is  the most dreadful and complicated ailment in the history of humankind. Unfortunately, it has become much more prevalent than before. Despite being a fatal disease, it is curable if diagnosed early, thanks to the tremendous advancements in medical science. 

The two most ultramodern techniques used to treat cancers are Radiotherapy & Chemotherapy. The successful use of these avant-garde techniques has given much hope to patients and doctors worldwide.  However, both of these cancer treatments involve a prolonged procedure and huge costs. 

That’s why we need a comprehensive cancer insurance plan that offers financial and psychological support to get through the long recovery road of cancer. 

Radiotherapy & Chemotherapy: An overview

Radiation Therapy is an ultramodern technique for treating significant types of cancers using ionizing radiation to kill, treat, or reduce the malignant cells in the affected body part. Also referred to as Radiotherapy, this is a lengthy procedure that takes several sittings depending upon the type and stage of cancer.

The hefty charges for each sitting make it a high-involvement treatment. In India, the average cost of radiation therapy falls between Rs. 30,000 to 20 lakhs, depending on the type of cancer and the specific radiation technique used to cure the diseases.

Chemotherapy is another general procedure for cancer treatment. In this technique, certain cytotoxic medications are delivered intravenously throughout the body, targeting the cancer cells and killing them.

Does Cancer Insurance Covers Radiotherapy & Chemotherapy? 

Yes, the cancer insurance plan also covers the radiotherapy and chemotherapy treatment intended for curing cancer. All the leading health insurers cover radiation treatment and chemotherapy during hospitalization. 

However, the primary health insurance plan will partially cover the cost of the radiation therapy, i.e., up to a specific segment of the sum insured. Suppose you require complete coverage for radiation therapy, which is indeed urgent. In that case, you need a full-fledged cancer cover policy that covers all cancer treatments.

Care Cancer Mediclaim: Supporting The Long Journey of Cancer 

At Care Health Insurance, we promise optimum financial and healthcare support to policyholders suspecting to go through the testing cancer treatment journey. Our Cancer Mediclaim policy offers comprehensive coverage for medical expenses related to cancer. From pre-hospitalisation diagnostics to in-patient-care, day-care treatments, and post-hospitalisation therapies, we cover most of the treatment expenses up to the sum insured. The Care Cancer Mediclaim policy offers the following benefits:

  • Coverage for all stages of cancer
  • Lifelong renewability option
  • Chemotherapy and radiotherapy coverage up to the sum insured
  • Coverage for alternative treatment up to 25% of SI
  • Free annual health check-up from 2nd policy year. 

With one of the highest claim settlement ratios of 95.2%, Care Insurance promises a seamless and hassle-free claim procedure. Our vast network of 21,000+ cashless hospitals provide quality medical treatment to patients without any worries about hefty bills. Thus, we ensure a smooth and quick recovery for cancer patients across India.

>> Also Read: Key Things to Know Before Opting for a Cancer Insurance Plan


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