Covid Banner

Get Covid-19 Hospitalization Coverage Also Save Tax U/S 80D

Call Buy Policy : 1800-102-4499

We thank you for your interest in Care Health Insurance. Our expert will call you soon to assist you

Let us help you find
a Perfect Plan

Buy Now
Call Get a call back from us Close

+91 verified

Or call us on our toll free number

Thank You

Thank you!

We thank you for your interest in Care Health Insurance (formerly known as Religare Health Insurance Company Limited). Our expert will call you soon to assist you.

Message Welcome to Live Chat Close

Start Chat
Bg img

Cancer Insurance

Cancer Insurance is a medical cover offering financial and healthcare protection against major cancer-related treatment expenses at all stages. The policy offers lifelong-renewability and wide sum insured options.

  • Lifelong cancer protection at an unbeatable price
  • Avail easy monthly and quarterly installment payment option
  • Get rewarded for each claim-free year
  • Coverage to treatment like chemo, radiotherapy & more






Discount sticker

GET QUOTE IN 1 MIN Discount sticker


+91 verified
By clicking, you agree to our T & C

What is Cancer Insurance Plan?

A cancer insurance policy is a form of health insurance that provides financial security against various medical expenses incurred as a result of cancer care. It is essential to opt for this plan early in life to get health coverage in the hour of need. It covers the cost of cancer treatment, including hospitalization charges, surgeries, chemotherapy, etc.

There is always a ray of hope even in the darkest of times, and you should always hold onto that hope to witness a better tomorrow. Cancer is one such disease that comes as a surprise and leaves you disappointed. Comprehensive cancer health insurance could be an absolute protection plan against Cancer and the cost of its treatment with other benefits. Cancer treatment may cost you a fortune if you are not equipped with a cancer insurance plan to safeguard you in times of need.

Our way of life and stress-related problems make us vulnerable to various serious diseases, which can strike at any age. One such illness that has become a significant concern for our country is cancer. As per the National Institute of Cancer Prevention and Research (NICPR), about 2.25 million Indians live with cancer, and over 11 lakh new patients get registered every year. Ironically, cancer care is expensive, creating financial hardships for a family.

Staying financially ready by investing in a cancer cover insurance policy early on is a wise decision to tackle life's uncertainties like being diagnosed with cancer. Opting for cancer cover health insurance today can be in your best interest. It would prove to be solid financial support in the future when incurring hefty medical bills due to this dreaded disease.

Most cancer insurance plans do not offer comprehensive coverage for various healthcare costs and expenditures incurred during cancer treatment. The cancer insurance policy by Care Health Insurance is an indemnity-based health plan providing numerous policy benefits and comprehensive coverage at an affordable premium.

Cover Highlights

Air Ambulance Cover

Air Ambulance Cover

Annual Health Checkup

Annual Health Checkup

Chemo and Radiotherapy Cover

Chemo and Radiotherapy Cover

Cover all major types of Cancer

Cover all major types of Cancer

Organ Donor Cover

Organ Donor Cover

Why Should You Buy Cancer Cover Policy?

The increasing number of cancer cases in our country is a wake-up call. Some risk factors of cancer include unhealthy lifestyle choices and family history. Being financially prepared to deal with the unprecedented challenges in life is a smart way to safeguard your future. Sudden illnesses can be most harmful to your mental, physical and financial health. So, when you are planning to secure your future, it is vital to consider a plan that offers protection in such a situation. Medical insurance for cancer patients is not available; thus early investment is a wise idea.

Another reason to opt for cancer cover health insurance early in life is that once you are diagnosed with the disease, you may not find a pre-existing cancer health insurance policy that offers coverage for the disease at that point. Simply put, medical insurance for cancer patients is not available; thus, early investment is a wise idea.

Moreover, cancer is a critical illness that requires long-term care. Even if you do not have a family medical background of cancer, the disease may occur for other reasons. As bleak as your chances of getting this disease may be, it is in your best interest to establish a solid financial plan with the best cancer protection plan for any such contingencies. After all, you can never be too sure when it comes to matters of health.

Let’s look closely at some reasons to buy cancer insurance:

  1. Increasing Cases of Cancer

    According to the World Cancer Report by International Agency for Research on Cancer (IARC), cancer is the first or second leading cause of premature death in 134 of 183 countries, and it ranks third or fourth in an additional 45 countries. These premature deaths are concentrated in the age group of 30-69. As the numbers suggest, cancer is more common than we might like to believe. Therefore, including the best cancer insurance in your financial plan can be a wise decision, especially early in life.
  2. Medical Inflation

    Medical inflation has wreaked havoc on the finances of many families in India. A disease like cancer can drain a family's entire savings in the absence of cancer medical insurance and leave them with the burden of massive debts.
  3. Coverage for Different Stages and Types of Cancer

    When you set out to find the best cancer insurance policy in India, one thing you must remember is to carefully check what does cancer insurance cover? You must remember to look for a plan that covers the common types of cancer. With a suitable cancer care plan, you can get appropriate financial support for different stages of such types of cancer.
  4. Expensive Treatment Cost

    Chemotherapy, radiotherapy, organ transplantation, and surgery are only a few examples of high-cost cancer treatments. The costs of hospitalization, day care procedures, the use of various medications, and other medical facilities all contribute to the total cost of cancer care in a significant way. A cancer cover health insurance with an adequate sum insured can help you manage treatment costs without going through immense financial stress.
  5. Coverage for Costs Other than Hospital Bills

    Cancer insurance cover not only allows you to pay the hospital bills for the treatment, but it can also help with other costs associated with cancer care. OPD expenses and alternative treatments are other costs covered in a cancer cover plan. Hence, having a cancer insurance plan on your side offers much-needed financial security.
  6. Relieve Financial Struggles

    For most people in India, managing Rs. 10 to 25 lakh all at once to cover cancer-related treatment expenses is a difficult challenge. No matter how much one may give up in terms of everyday family needs, lifestyle, and other factors, they cannot give up on their child's education, unpaid loans, and so on. When you know you have a lot to provide for while taking care of cancer treatment-related costs, getting the right cancer insurance plan beforehand is a great idea. What's more, the cancer care plan protects you from having to sell your house, car, property, or other valuables.
  7. Family History of Cancer

    The rising number of cancer diagnoses and subsequent long-term treatment costs have resulted in a massive rise in the cost of cancer care in today's world. Having a family history of cancer increases the likelihood of being diagnosed with cancer later in life.

If you have a family history of this disease, buying a cancer insurance policy might be a wise move. However, you should be mindful that any pre-existing cancer health insurance for already diagnosed conditions is not protected by a cancer insurance policy when buying one.

Key Features of Cancer Care Plan

  • The Sum Insured for the cancer cover policy ranges from Rs 10 lakh to Rs 2 crore.
  • You can get a No Claim Bonus for every claim-free year under the cancer protection plan.
  • Lifelong renewability applies to a cancer insurance plan, so you get continued coverage for a lifetime through successive policy renewals.
  • You have the option of equated monthly/quarterly instalments available with multi-year cancer cover plans of 2 or 3 years.
  • International second opinion is available while availing treatment for cancer.
  • Optional benefit of an additional sum insured for accidental hospitalization, international second opinion, unlimited automatic recharge, air ambulance cover, etc., is available with cancer cover health insurance.

Who is Eligible for Cancer Health Insurance Policies?

Every year, over ten lakh people are diagnosed with cancer in India and six to seven lakh people die as a result. A study predicts that the number of cancer cases would double in the next two decades. Do you have cancer treatment insurance coverage? Cancer cover insurance will provide you with peace of mind if you face this illness. Find out who is eligible for cancer policy in India :

  • Most cancer-specific insurance policies require the proposer to be at least 18 years old to be eligible.
  • While buying mediclaim for cancer patients you should know that there is a 90-day waiting period by insurance companies. You can't submit a claim until the waiting period is over.
  • The entry age for the cancer cover policy is 5 years to 50 years on an individual basis without any specific exit age.

How Does Health Insurance Works for Cancer Patients?

Benefit of Buying Cancer Insurance

An insured individual must pay the premium to receive the various benefits offered under a cancer insurance policy. Under the cancer cover plan, you are given two options to get coverage for the medical bills: cashless or reimbursement. As the name suggests, the cashless form of cancer insurance plans in India would allow you to avail of medical treatment without paying the bills upfront. We will settle the bills directly with the hospital.

With the reimbursement option of the cancer insurance cover, you can pay the bills out of your pocket and get them reimbursed later by us when you produce the bills and receipts for the medical expenses incurred.

Policyholders must file a claim within a certain timeline to obtain the claim for the cancer cover health insurance. It is important to be familiar with the policy's terminology, such as the waiting period, co-payment clause, and exclusions that would be considered.

Let's take a look at how cancer insurance cover works. Here's a profile of cancer insured individual:

  • Mr. Mehta, a 35-year-old male, opts for a sum insured of Rs. 50 lakhs with a policy term of 3 years. He has no pre-existing condition at the time of purchasing the cancer care insurance. According to his profile, his cancer insurance quotes include an annual premium of Rs. 10,763 (includes 18% GST) or Rs 367 Per Month*
  • If he is diagnosed with cancer later in life, say at 55, it can be worrying for him to rely on the sum insured of a cancer insurance policy purchased around two decades ago. However, if he has kept renewing his policy, the No-Claim Bonus would have allowed him to get a higher sum insured at the time of renewal without spending a fortune.
  • When he receives treatment for cancer, a medical bill of Rs 70 lakh is incurred. As a result of the No-Claim Bonus feature, the sum insured for Mr. Mehta’s cancer insurance policy will have increased to Rs 1 crore in this case.
  • Since this cancer medical insurance is an indemnity-based policy, it will compensate for the actual medical expenses arising out of the insured person's treatment for the disease. The expenses up to Rs 70 lakh will be covered in Mr. Mehta's situation, according to the terms and conditions of the cancer care policy. The remainder of the amount insured will be available to the policyholder for additional care and potential medical expenses.
  • Furthermore, if he has availed of the treatment at a network hospital, he can choose to go for the cashless treatment as per the terms of the cancer medical insurance. It will enable him to get treated without paying the bills out of his savings. Once the treatment is over, we will settle the medical bills with the hospital. If he goes to a non-network hospital, he can file a reimbursement claim within the time limit.

*Sum Insured – Rs.50 Lakhs, Age – 35 years, Monthly Premium Payment Mode including Optional covers included - Room rent modification/ Air ambulance cover/ ISO. Excl GST

What is Covered in Cancer Insurance Policy?

When it comes to a cancer care policy, many people have misconceptions. It is important to know that your primary health insurance policy would cover cancer treatments. However, health insurance with cancer cover becomes unaffordable since choosing a higher sum insured comes at a greater cost. On the other hand, a cancer insurance plan is a standalone health policy that helps you prepare for cancer-related medical costs. Generally, cancer insurance cover provides a higher coverage amount at an affordable premium as compared to a standard health insurance plan.

It is safe to say that cancer insurance in India is similar to critical illness insurance. When the insured is diagnosed with cancer, the individual can avail of the coverage under the cancer policy, thus receiving financial support in the time of need. Depending on your insurance needs, you can choose the best cancer protection plan by customizing it to your needs.

So, what does cancer insurance cover? Let's look at the coverage you can get with one of the best cancer insurance plans available today:

  1. Comprehensive Cancer Cover at All Stages

    When diagnosed with cancer, the insured individual receives coverage for the medical expenses up to the sum insured opted under the cancer insurance policy. One can get coverage for hospitalization expenses and in-patient care, daycare treatment, ambulance cover, organ donor cover, and more if they carefully select the best cancer Mediclaim policy.
  2. Chemotherapy & Radiotherapy Cover

    One of the most expensive aspects of cancer treatment can be chemotherapy. It is also the most common medical procedure to manage symptoms of cancer in a patient. Therefore, when looking for the best cancer protection plan, you must carefully understand the coverage terms for treatments like chemotherapy and radiotherapy. The cancer medical insurance offered by Care Health provides coverage for such medical procedures, the amount for which will depend on the sum insured of the individual's plan.
  3. Lifelong Renewability

    Most of the cancer insurance plans in India cannot be renewed after a claim has been made. Cancer Mediclaim by Care Health Insurance provides a lifelong renewability option. Thus, this cancer protection plan keeps one financially secure for the lifetime and serves as a vital safety net in scenarios where cancer relapses.
  4. Pre & Post Hospitalization Medical Expenses

    Medical treatment may begin even before hospitalization starts and continue after the patient is discharged from the hospital. The cancer medical insurance also includes coverage for medical expenses incurred during pre and post-hospitalization for 30 and 60 days, respectively.
  5. No Limit on ICU Charges

    When a patient is admitted to the ICU for a few days, the charges incurred for hospitalization can be hefty. With cancer cover health insurance, you can remain stress-free about bills as there is no limit on the cover for ICU charges.

  6. Annual Health Check-up

    A timely medical check-up is vital for maintaining good health. With a cancer insurance policy, the insured person is eligible to avail of an annual health check-up once in a policy year. We provide this benefit on a cashless basis from the second policy year on continuous coverage under the cancer cover plan.
  7. Second Opinion

    Any illness demands the right diagnosis and medical attention. If you are diagnosed with/ undergoing/ have undergone any of the covered conditions and wish to get a second opinion in India, our cancer care policy can cover it. We will arrange one for you once for each illness/surgery in a policy year from an expert in our panel.
Understand Pre and Post hospitalization in Health Insurance

Benefits of Cancer Insurance Plans

When a family member who earns a living is diagnosed with cancer, it can affect the financial health of the family. With a cancer cover plan, one can get the required coverage for the incurred treatment expenses, thus reducing dependence on one's savings.

A cancer insurance plan is an indemnity-based policy that covers all phases of cancer care. The advantages of Care Cancer Mediclaim are many, and policyholders can use them to relieve the financial burden of dealing with a critical illness like cancer. The best cancer Mediclaim policy can be described as a comprehensive health insurance plan that caters to various medical needs that arise during the treatment of cancer.

Let's take a look at some of the benefits of a cancer insurance policy:

Benefit of Buying Cancer Insurance
  1. Specific Coverage for the Disease

    A cancer cover policy is a tailored package that can be far less expensive than a standard health insurance policy. It specifically addresses the financial requirements that you may have while battling cancer. Not only that, but the premium for the cancer cover plan can be charged in instalments, making it more convenient for you.
  2. Protection for Your Family

    This cancer mediclaim policy allows coverage for up to six individuals, meaning you can cover your whole family under one policy. It can be much easier on your pocket to opt for a single cancer care policy that covers your family. You can also choose the cancer cover plan as an additional layer of protection for your family if you have existing standalone health insurance plans.
  3. Cover for Different Types of Cancer

    Under the cancer protection plan, you can get coverage for different types of cancer. Make sure to go through the terms and conditions of the cancer insurance plan carefully before buying it.
  4. Increase in Sum Insured

    If you do not make any claims during the policy period of the cancer cover plan, you are entitled to receive a No-Claim Bonus when renewing the plan. In general, when you renew a policy after a period of no claims, your sum insured will increase by a specified percentage every year. If you buy the best cancer care policy early and continue renewing it for several years, you will end up with a much more significant sum insured than the initial amount.
  5. Affordable Plan

    One of the most significant advantages of a cancer care plan is that it provides maximum coverage at an affordable price. Moreover, one has the option to avail of premium discounts by choosing a multi-year cancer care policy.
  6. Value-Added Features

    After the first policy anniversary, you can go for yearly health check-ups under the cancer insurance plan. In addition to the benefits of cancer insurance that we have mentioned, the cancer policy also gives you access to optional benefits and health resources, including doctor-on-call and quick recovery counselling.

>>Click to Know About Mediclaim Policy and Its Benefits

How to Find Affordable Cancer Policy in India?

The cost of a cancer insurance plan is a point of concern for policy buyers. It is important to know that the premium you have to pay to enjoy the benefits of the cancer cover plan depends on several factors.

If you are exploring the best cancer insurance plans to get an affordable and valuable set of benefits, here is what you should do:

  1. Assess Your Needs

    First and foremost, you must assess your medical needs, taking into account risk factors such as family background, to make an informed decision about the cancer cover health insurance. Ensure that you estimate the medical expenses before purchasing the best cancer insurance policy. Since your financial profile is unique, you must understand it well before you buy cancer insurance cover.
  2. Review the Policy Coverage

    Choose a cancer mediclaim policy that will provide relevant benefits and protection against this serious illness. It is possible to find a cancer insurance plan that covers you regardless of the stage or type of cancer. For example, Care Health Insurance's cancer mediclaim covers all stages of cancer. It covers hospitalization costs, pre-and post-hospitalization medical costs, a variety of daycare treatments, as well as specialised treatments such as chemotherapy and radiotherapy.
  3. Opt for a High Sum Insured

    Treatments for cancer may cost lakhs and lakhs due to the advanced medical care needed. Make sure the cancer insurance policy you want has enough coverage to cover medical inflation in the future. Choosing a large sum insured with cancer medical insurance can be a smart move, allowing you to receive medical attention and therapy without financial constraints.
  4. Use a Health Insurance Premium Calculator

    You do not need to pay high premium costs to get cancer cover when you can protect your health with a low-cost cancer care insurance plan. You can use our health insurance premium calculator to estimate the cost of a cancer policy tailored to your specific needs.
  5. Check the Waiting Period

    A waiting period is the duration of time that must pass before your policy coverage starts. A cancer insurance policy requires a 90-day initial waiting period. It means that you can only claim the benefits of the cancer protection plan in case cancer is diagnosed after the initial wait period.
  6. Consider the Exclusions

    Exclusions are a part of any health insurance plan and apply to illnesses, disorders, surgical procedures, or medical costs that are not covered by the policy and for which you cannot make a claim. Reviewing the exclusions of the cancer insurance policy will help you avoid delays and uncertainty, resulting in a smooth claims process.

Check your premium now with our Health Insurance Premium Calculator

We live in a time where everything is just a few clicks away, and cancer medical insurance is no different. The digital presence of insurance providers is particularly helpful in your search for the best cancer insurance in India. It allows you to compare different cancer cover plans on several parameters such as price, benefits, flexibility, and more to make a well-informed decision. Once you have chosen the best cancer insurance for your family, you can buy cancer insurance online by following these easy steps:

  • First, visit the official website of Care Health Insurance and choose a cancer insurance plan.
  • Click on ‘Get Quote' after entering your phone number and e-mail address.
  • Provide the contact details, name, and pin code for the area where you reside.
  • Fill in information such as the number of insured people, gender, and age. Check the box for pre-existing conditions, if there are any.
  • Customize your cancer insurance policy by selecting a suitable sum insured, policy period, premium payment frequency, and other options.
  • Check the premium for the cancer insurance cover and then press the 'Buy Now' button. Confirm the information of the proposer on the 'quick pay' tab.
  • Pay the premium using any safe digital payment method, like net banking, debit or credit cards.
  • On your registered e-mail address, you will receive the health policy documents for the cancer cover health insurance, including the e-health card.
Secure Now

Exclusions in Cancer Health Insurance

A cancer insurance plan offers adequate coverage, regardless of the stage of the disease. However, before you buy a cancer insurance plan, it is essential to read the health insurance documents thoroughly.

The reason is that most insurance plans have some inclusions and exclusions that determine which costs the insurer may cover and which will remain uncovered. It is important to comprehend the inclusions and exclusions of cancer health insurance entirely.

Here are some of the exclusions of a cancer insurance plan that you should know:

  • In a cancer insurance plan, there is a 90-days initial waiting period. If the insured receives a diagnosis of illness or undergoes some medical operation during this period, the insurer will not cover the expenses
  • The cancer cover plan does not cover suicide attempt or suicide by self-inflicted injury
  • Any disease caused by consumption of alcohol, tobacco, or cigarettes
  • Cosmetic or plastic surgery, as well as similar treatments
  • Pregnancy, miscarriage, childbirth, maternity care, including C-sections, abortion, or complications of any of the conditions
  • All hazardous activities
  • A nuclear, chemical, or biological attack, as well as weapons that may cause significant damage
  • Illness or injury incurred by the insured's criminal intent to break the law

Finding out after a diagnosis that some medical conditions/expenses are not covered under the cancer insurance policy can lead to pressure on the family and their financial resources.

Some of the best cancer insurance plans in India provide a 15-day Free Look Cancellation period, allowing prospective policyholders to review the policy's terms and conditions before committing to it. It is the perfect time for a policyholder to inquire about the inclusions and exclusions of the cancer insurance policy. If you find them unsatisfactory, you can return the policy documents, expressing dissatisfaction which will allow for a refund of the premium charged, as per the terms and conditions of the cancer care policy.


Quick Tip: Worried about maternity expenses? Our maternity insurance plan will take care of your finances and let you enjoy your bundle of happiness.

How Important is Insurance for Cancer Patients?

Benefit of Buying Cancer Insurance

The rising number of cancer cases in our country is alarming. People are vulnerable to this harmful disease due to unhealthy lifestyle habits, family history, and other factors. The significance of a cancer insurance plan cannot be overstated. Given the possibility of financial challenges arising from the disease, it is good to have a cancer insurance plan in place by opting for it early and get covered for the unnecessary rise in medical costs.

The following are some of the reasons why a cancer policy is required:

  • Cancer is a terrifying illness that necessitates specialised medical attention. This indemnity cancer medical insurance would cover various cancer treatment-related costs, ensuring financial security for your family.
  • Anyone who leads a hectic lifestyle needs cancer insurance. Investing in this strategy would also be a step in the right direction if the illness runs in the family.
  • It functions as a supplement to the current health insurance policy. A standard health insurance policy is insufficient to cover the costs of care for this disease.
  • Cancer therapies have progressed, but it can be immensely stressful to manage them without the best cancer protection plan due to medical inflation.
  • The best cancer insurance options cover all stages of cancer. You have the advantage of being able to weigh your choices and make an informed decision.

As a result, this cancer patient health policy provides you with much-needed financial security and peace of mind, allowing you to focus solely on your health rather than your finances.

How to Claim Cancer Health Insurance?

Due to the gradual expansion of insurance businesses, life-threatening sickness insurance plans have become a speciality product. However, the lengthy claim settlement process scares away many potential customers. Settlements for health insurance claims do not have to be a frustrating and stressful affair.

When an individual is diagnosed with cancer, a cancer health insurance policy can relieve the financial burden considerably. It provides a safety net for the daily medical expenses, for which a regular health policy might not be enough to cover the high care costs.

The policyholder may file a reimbursement claim by filling out the claim form and attaching the appropriate documentation, as specified in the policy terms and conditions of the cancer cover plan. You can also use the cashless option, which is only available at network hospitals. In the event of emergency hospitalization, the policyholder must contact us within 24 hours and 48 hours prior to admission in the case of a scheduled hospitalization to avail of the benefits of cancer cover health insurance.

Here are a few guidelines for smooth and quick claim settlement of health insurance for cancer patients in India:


Making Cashless Mediclaims:

  • Find a network hospital to receive cashless treatment.
  • In the case of an emergency, notify the insurer within 24 hours and 48 hours before in case of planned hospitalisation.
  • Bring your cashless card, member ID, or policy number to the network hospital. Fill out the pre-authorization form and show the policy number, member ID, or health insurance card to the hospital's insurance desk.
  • The hospital sends your completed pre-authorization form to your insurer. The claim settlement team at the insurance provider evaluates and reviews the received claim details before informing the hospital and insured of the final approval.
  • If the insurer approves the bills, the hospital receives the payment directly, but if the insurer rejects the invoices, the policyholder is responsible for paying the hospital bill.

Making Reimbursement Claims:

  • In the case of an emergency, notify the insurer within 24 hours and 48 hours before in case of planned hospitalisation. Later, it depends on which insurer you go to and how long it will take to reimburse the claim.
  • Request a reimbursement form from the insurance company or access it online. Fill the claim form, attach all previously specified documents and send them to the insurer's office.
  • The letter of approval is sent to the policyholder by the insurer's claim settlement team after the papers have been examined. If the claim is approved, the money will be reimbursed to you in 30 days. The reimbursement process differs from one insurance company to another depending on their policies.
  • If the claim is denied, the insured individual will be contacted by the insurer or informed as to why the claim was denied.

How Does Cancer Insurance Differ from Health Insurance?

Nobody can deny that being financially prepared makes it easier to cope with unexpected issues such as illnesses or accidents. Given the times we live in, this is especially true. New health risks can obstruct our path to achieve important life goals. As a result, purchasing health insurance for critical illnesses such as cancer is important.

If there is a chance of cancer due to environmental causes or family medical history, a cancer treatment insurance policy should be considered. It is necessary since an existing health plan will be unable to cover the different costs associated with cancer care.

  Cancer Insurance Health Insurance
Coverage A comprehensive cancer care policy covers the incurred medical expenses during all stages of cancer. Covers the general medical and surgical costs of the insured person. Hospital costs are covered and there may be sub-limits for room rent, etc.
Who Should Buy? Individuals who have higher risks should consider the cancer care policy. 
In addition to a basic health insurance policy, you can buy a cancer insurance policy to supplement the protection.
A standard health policy should be purchased by everyone. With rising healthcare prices, health insurance should take priority in your financial plan. However, a regular health plan could be insufficient in the event of a serious illness or cancer. As a result, critical illness and cancer coverage are needed.
Why Should You Buy? It covers the cancer care expenses incurred that can be otherwise financially challenging. 
You can use the support from the cancer insurance plan to pay for medical costs.

It is a simple indemnity-based plan that reimburses medical costs or provides cashless care. It is ideal for covering rising hospitalization costs, care, diagnosis, medical assistance, and other medical expenses,  thus enabling one to bear the impact of medical inflation.


It is important to purchase a comprehensive cancer insurance plan, such as the one provided by Care Health Insurance. A cancer cover health insurance policy outperforms most health insurance plans because the cost is low and coverage is available for all stages of cancer.

Things to Keep in Mind When Buying Cancer Insurance

Purchasing cancer insurance is a wise decision that will help you secure your future. You should be aware, however, that it is a crucial financial decision that requires planning and cautious thinking. There are several factors to weigh before deciding on the best cancer Mediclaim policy for you, such as the right premium amount, coverage scope, family medical history, etc.

We have compiled a list of some of the most critical considerations to make when choosing the best cancer Insurance plan in India for your family:

  1. Choose a Comprehensive Cancer Care Package

    The cost of medical care is at an all-time high. The cost of medicines and other healthcare-related expenses have skyrocketed as a result of market inflation. The prices are much higher when it comes to a terminal illness like cancer. The medications used to treat cancer are very costly and out of reach for many people. Even if your earnings are adequate to cover the costs of care, it will undoubtedly deplete your savings. In such a scenario, choosing a plan with adequate cancer coverage is recommended.
  2. Calculate Insurance Cost of Your Cancer Care Plan

    Once you have decided to go for a dedicated insurance plan for Cancer, it is important to figure out how much you will have to pay in the monthly premium. A premium calculator can help you get cancer insurance quotes without any hassle. It is available on our website to ensure accessibility to the policy buyers. Knowing the cost of cancer insurance, you can plan your future investments and make financial decisions accordingly. It will make your investment portfolio more well-rounded and ensure that you have peace of mind.
  3. Read the Policy Document Carefully

    As important as it is to know the benefits and coverage of your cancer insurance plan, it also helps to know the expenses that your policy does not cover. Medical conditions caused by other sexually transmitted diseases, excessive alcohol, substance abuse, or medications not administered by a licenced medical professional are not protected under a cancer insurance plan. Neither are those that arise as a result of nuclear, biological, or chemical contamination. Ensure you are aware of the exclusions and inclusions of the policy before you buy cancer insurance to avoid future disappointments. You do not want to be surprised by a clause that complicates your cancer insurance cover claim settlement during a medical emergency.
  4. Check for Flexibility

    Your cancer care policy should offer you options when it comes to determining the amount of cover, premium payment, and premium payment frequency. Some policies allow the policyholder to pay the premium in one lump sum or through monthly/quarterly instalments with multi-year policies of 2 or 3 years.
  5. Check the Waiting Period

    When it comes to cancer insurance plans, the waiting period is the most crucial factor. After a certain number of days have passed after the purchase date, the cancer care policy becomes active. Be sure to check your plan's waiting period to prevent any confusion once you buy the policy.

Voice of our Customers

Mr. Rajiv Sharma

review “The claim settlement for my cancer insurance plan went exceptionally smooth. I was surprised at the lack of complications since it is not a regular experience with insurance policies. The agents at Care Health Insurance were of great help during the entire process and made my life a little easier during an especially difficult time.”

Ms. Saumya Pandey

review “I would like to express my gratification for the team at Care Health Insurance, who ensured that I received the benefits of the insurance plan on time and without any hassle. I did not have any problems figuring out the procedure to buy cancer insurance with the expert guidance at every stage.”

Mr. Pradeep Kumar

review “I am so happy with the extraordinary response I received at the time of settlement of the cashless claim for my cancer insurance plan. I did not expect to receive the claim as soon as I did, either. Thanks to you, my father’s surgery went without any financial hitches."

Ms. Anuja Anand

review “It can be a tricky thing to buy cancer insurance online, however, Care Health proved me wrong with its excellent and prompt services to guide me throughout the process. I can rely on them and feel assured that the protection of my family’s future is in good hands.”
Ankita Sharma

My appreciation for your prompt service

At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme

Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Claims
Leader of the year


30 Lakh + Claims Settled^^


Cashless claim processing
in approx. 2 hours

^^number of claims settled as on February, 2022

FAQs About Cancer Insurance


Oops! No results found for your keyword search

Q.Do I still need to buy specialized health insurance if I already have health insurance?

Basic health insurance may not cover the treatment cost of Cancer. There will always be limitations in these plans, which may not allow you to avail of the treatment that caters you complete coverage of your cancer treatment. A comprehensive cancer insurance plan covers the cost of the treatments/therapies related to Cancer. It is always wise to buy cancer insurance to give a safety cushion to your future and check your policy document for the inclusions and exclusions.

Q.Does the sum insured for my cancer insurance plan increase If I don’t claim It?

Yes, indeed. We reward policyholders with a No Claim Bonus (NCB) if they do not file a claim in a policy year under their cancer cover health insurance plan. The amount insured is increased by a specified percentage for each completed and continuous policy year under this benefit. Please see the terms and conditions of the cancer insurance policy to know more.

Q.What Is the payout option available under this cancer mediclaim policy?

Our cancer care policy is an indemnity-based health plan. We will cover the actual medical costs you incur during your cancer care within the policy period on reimbursement or cashless basis, subject to policy terms and conditions.

Q.Is there a limit to the sum insured I can choose for cancer insurance plans in India?

Our cancer cover health insurance plan offers sum insured options ranging from Rs 10 lakh to Rs 2 crore. Given the potential cost of cancer care, we recommend opting for a higher amount insured. In addition to the coverage, cancer medical insurance also includes extra benefits such as unlimited automatic recharge, air ambulance coverage, and room rent modification at an additional premium, thus enhancing your health coverage.

Q.When do I get the reimbursement for the medical bills with the cancer cover plan?

The policyholder must contact us within the specified time and submit the claim form and required documentation for a hassle-free *claim settlement under the cancer cover policy.

We will settle the claim (or deny the claim, as the case may be) for the cancer cover insurance within 30 days of receiving all relevant documentation or details for claim settlement after verification by our claim management team. We will reimburse the medical expenses as per the policy terms and conditions within seven days after the policyholder accepts the offer of claim settlement. Please see the policy document for more information.

Q.Do I need to get a medical check-up before I buy health insurance for cancer survivors?

You do not need to get a pre-policy medical check-up before buying cancer insurance cover necessarily. However, depending on your profile, it may be up to the underwriter's discretion to determine your risk and ask for a medical check-up.

Q.Are there any tax benefits associated with cancer coverage?

According to Section 80D of the Income Tax Act of 1961, an individual who purchases cancer mediclaim is entitled to receive an income tax deduction on the premium charged for it. These tax advantages are subject to changes in the tax laws in India.

Q.If I have an existing health plan, Do I need medical insurance for cancer survivors?

Opting for the best cancer protection plan will assist you by covering a wide range of cancer treatment expenses. However, such plans are not available for cancer survivors. A standalone cancer cover scores over existing health insurance plans with cancer cover. Thus, you should invest in this plan and be worry-free.

Q.What should I do to decide the adequate cancer cover?

When choosing the best cancer care policy, you should choose a sum insured that is large enough to cover the different medical expenses you will face in the future. It will cover hospital costs, medical tests, and medicines, among other things. Apart from the coverage level, other considerations include the waiting time, chemotherapy/radiotherapy coverage, organ donation coverage, alternative care, and so on.

Q.Is there a recommended amount for the cancer cover?

Treating a critical illness like cancer can cost a lot of money. As medical costs in India continue to rise, current health policies will become insufficient in the future. As a result, choosing the best cancer protection plan with a large sum insured is advisable.

A high cancer treatment insurance coverage is even more important in light of medical inflation and related costs, which are not just limited to hospitalization. Therefore, depending on the current medical condition and health risks, we always suggest purchasing a policy with a higher sum insured.

Q.Can I get an insurance policy for existing cancer patients?

You cannot opt for cancer insurance or mediclaim for existing cancer patients. To opt for a cancer plan, it is important to check the eligibility and disclose your medical history honestly.

Q.How much does it cost to get the best cancer policy in India?

Cancer insurance costs depend on several factors like sum insured, your age, optional benefits, etc. Before purchasing a cancer policy, review the policy benefits, waiting period, and entry age, and check the applicable premium.

You can use the online insurance premium calculator to help you with the cancer insurance quotes.

Q.What happens If I am not able to pay my premium on time?

If you cannot pay the premium for your cancer insurance policy on the due date, a grace period will be allowed depending on the policy terms. During this grace period, you can pay the premium for your cancer care policy without any penalties. However, if you fail to pay the premium after the grace period has ended, it may lead to a policy lapse.

Policy lapse would mean that the cancer insurance is no longer in force, and you cannot avail of the benefits under the plan.

Q.Do I need cancer Insurance if I am unmarried?

Cancer insurance is a means to protect you from the financial burden of battling critical diseases. In the case of an unmarried person, it can still be a valuable addition to the financial plan since you may have other dependents such as your parents. If not, the cancer insurance will support you to manage the treatment costs in the unfortunate case of being diagnosed with the disease and prevent your savings from depletion.

Q.How do I renew my cancer insurance policy?

The cancer insurance policy offers lifetime renewal to the policyholders. You can renew the policy online and sum insured in a few easy steps. Access our website and go to the renew section. Enter complete details and make premium payment through any secure payment mode.

Therefore, checking the insurer’s claim settlement ratio before buying cancer insurance is advisable.

Q.Can I renew the cancer insurance plan after the policy term is over?

You will have a grace period, which is generally 30 days from the policy's expiration date, to renew the cancer cover plan, subject to the policy terms and conditions.

Q.What stages of cancer are covered in a cancer insurance plan?

The coverage for different stages of cancer depends on the cancer insurance plan. It can vary depending on the extent of healthcare required to treat the condition.

Q.Is It possible to buy cancer insurance for my family members?

Yes, you can buy cancer insurance for your family members, either by adding them to your policy or by purchasing a standalone policy for them. Refer to the terms and conditions of your chosen cancer insurance plan for more details.

Q.Can I get insurance for pre-existing cancer conditions?

It is not possible to get cancer health insurance for pre-existing cancer patients.

Q.How Much Is the Recommended Cover Amount For Cancer?

As the cost of medical treatment is at an all-time high and only expected to increase in the coming future, it is best to opt for a higher sum insured. You should carefully assess your financial profile and health history before arriving at the adequate sum insured for the cancer cover plan. Generally, anywhere 50 lakhs above is a favourable amount for cancer cover health insurance.

Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

Underwriting of claims for cancer is subject to policy terms and conditions

*Sum Insured – Rs.50 Lakhs, Age – 18 to 25 years, Monthly Premium Payment Mode including Optional covers included - Room rent modification/ Air ambulance cover/ ISO. Exl GST.

#Source: IBAI Claims Handbook for FY 19-20

^^Number of Cashless Healthcare Providers till 25th March 2022.

Reach out to us