Get Covid-19 Hospitalization Coverage Also Save Tax U/S 80D
Buy Policy :
1800-102-4499
We thank you for your interest in Care Health Insurance. Our expert will call you soon to assist you
Get Covid-19 Hospitalization Coverage Also Save Tax U/S 80D
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
Or call us on our toll free number
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.
DoneTerms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd (formerly known as Religare Health Insurance Company Limited) & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
A cancer insurance policy is a financial cover that lowers the burden of cancer treatment with coverage for hospitalisation, therapies, and other non-medical expenses. It is a financial safety net that helps people during the unprecedented detection of cancer. The cancer insurance plan offers complete protection from pre-hospitalization tests to patient care and post-hospitalization treatments. This way, people across ages can secure their health and savings against the life-threatening cancer disease accounting for over 10 million deaths in 2020.
Cover Highlights
Air Ambulance Cover
Annual Health Checkup
Chemo and Radiotherapy Cover
Cover all major types of Cancer
Organ Donor Cover
Every year, over ten lakh people are diagnosed with cancer in India, and another six to seven lakh people lose life to this life-threatening condition. Studies anticipate that India might witness over 17 lakh new cancer patients by 2035 and 12 lakh deaths per year. The alarming facts and unprecedented health conditions are the major reasons why you should opt for cancer coverage. Other critical reasons to buy a cancer insurance plan are:
Increasing Cancer Cases
Cancer is the leading cause of death worldwide– pointing to the need of early detection and timely treatment and care
Expensive Treatment Cost
Treatment cost of cancer goes in lakhs and sometimes beyond; thus you need suitable coverage & security for a lifetime.
High Risk of Ailments
Old age people are most vulnerable to the risk of cancer due to age-related ailments and weaknesses, that must be covered.
Financial Struggles
Cancer is a terrifying condition that pushes people into the financial and emotional turmoil that can be avoided with a mediclaim.
Family History of Cancer
If you have a family history of chronic or heavy chain diseases, you should opt for a plan covering several cancer conditions.
Cancer insurance works on the same indemnity principle as other health plans, with a fixed sum insured for a payout of regular premium amounts. One can buy a cancer cover on an individual basis for a tenure of 1, 2, or 3 years.
The foremost step is to determine how much coverage is suitable for you based on your health status and budget. Once you choose an adequate sum insured, you can file for a cancer-related claim after completing the required waiting period of initial 90 days and 2 years for pre-existing diseases. Also, you can pay the premium in easy instalments in a monthly or quarterly mode. Note that your sum insured is bound to increase by a maximum of 50% as a reward for staying healthy and maintaining a claim-free year. Learn more about how cancer insurance works with the help of the below example.
People below 50 years of age are eligible to secure their lives with a Cancer Insurance Plan by Care Health Insurance. Here are some other crucial cancer policy details:
|
Cancer Insurance Plan Details |
|
|---|---|
|
Minimum Entry Age |
|
|
Maximum Entry Age |
50 Years |
|
Exit Age |
No Bar |
|
Cover Type |
Maximum 6 Persons on Individual Basis |
|
Tenure |
1/2/3 Years |
|
Pre-policy Medical Check-ups |
No Medicals Required |
|
Sum Insured Options |
10 Lakhs to 2 Crores |
An unhealthy lifestyle, physical inactivity, smoking, and drinking are the major causes of cancer. That’s why you need complete protection against the health risks arising due to cancer. Check out the wide-ranging coverage and benefits of the cancer cover policy by Care Health Insurance:
With adequate coverage and unique benefits, a cancer insurance plan offers the right security against financial crunches. However, before you buy a plan, it is essential to read the health insurance documents thoroughly and be informed about the following exclusions:
Under the policy, 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 insurance does not cover suicide attempts or suicide by self-inflicted injury.
Any disease caused by consumption of alcohol, tobacco, or cigarettes is excluded.
Cosmetic or plastic surgery, as well as similar treatments are not covered.
Pregnancy, miscarriage, childbirth, maternity care, including C-sections, abortion, or complications of any of the conditions etc. are excluded.
All hazardous activities are not covered.
A nuclear, chemical, or biological attack, as well as weapons that may cause significant damage is considered as a permanent exclusion.
Illness or injury incurred by the insured's criminal intent to break the law is not covered by the cancer policy in India.
Some of the best cancer care 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. 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 policy.
Filing a claim under cancer insurance is similar to filing a claim under your standard health plan. At Care Health Insurance, our in-house claims department ensures that your claim requests are addressed and processed with the given TAT while promising a seamless process. You can easily raise a cashless or reimbursement claim by following these steps:
Please note, you must inform our claims team within 24 hours in case of emergency hospitalisation and 48 hours prior to any planned hospitalisation.
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
|
|
Cancer care plan and health insurance work on the same principles of indemnity, yet differ with respect to coverage, sum insured options, and eligibility. Also, you may be insured under a standard health cover but would still need a separate cancer insurancecancer insurance plan to ensure protection against cancer-related medical expenses. Here, read about the major differences between the two plans:
| Factors | Cancer Insurance | Health Insurance |
|---|---|---|
|
Coverage |
A comprehensive cancer care policy covers all incurred medical expenses related to 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 plan. In addition to a basic health insurance policy, you can buy a cancer care policy to supplement the protection. |
A standard health policy should be purchased by everyone, regardless of age. With rising healthcare prices, health insurance should take priority in your financial plan. |
| Why Should You Buy?
|
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.It covers the cancer care expenses incurred that can be otherwise financially challenging. Also, the compensation under cancer insurance plan can be used to pay off the other financial liabilities. |
It is a simple indemnity-based plan that reimburses medical costs or provides cashless health care. It is ideal for covering rising hospitalisation 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 care plan, such as the one provided by Care Health Insurance. A cancer insurance outperforms most health insurance plans because the cost is low and coverage is available for all stages of cancer.
Below are the main benefits of purchasing your insurance for cancer treatment online:
Secure payment options keep your bank data safe and help you complete the transaction in a few clicks from anywhere, any time.
We try to resolve all your queries instantly through our chat service. Also, policy evaluation is easy with our precisely spelt-out policy terms.
Make a calculated buying decision by estimating the premium of your policy online. It will help you plan finances and choose affordable coverage.
The website lets you compare coverage, choose and pay anywhere at any time. Also, you can access policy documents online for quick verification.
It's easy to add benefits such as OPD care, co-payment waivers, and pre-existing diseases while purchasing our health policy for cancer care online.
If you are anxious about your maternity, we have JOY Maternity Insurance taking care of your precious journey.
Buying an ideal cancer policy in India can be confusing, especially when you are unaware of the types and extent of expenses incurred toward cancer treatment. While choosing suitable insurance for cancer patients, here are the crucial things that you should consider:
Firstly, you must assess your medical needs. Consider paying attention to factors such as family’s medical history, current health condition, lifestyle, etc. Estimate the medical expenses beforehand so that you choose the right sum insured that lowers your financial burden during medical emergencies. Since your financial profile is unique, you must understand it well before you opt for the perfect insurance for cancer.
Choose a policy that will provide relevant benefits and protection against all the expenses related to cancer treatment. It is possible to find a plan that covers cancer treatment regardless of the stage or type of the disease. For example, Care Health Insurance's cancer mediclaim covers all stages of cancer. It covers hospitalisation costs, pre-and post-hospitalization medical costs, a variety of daycare treatments, as well as specialised treatments such as chemotherapy and radiotherapy.
Treatment for cancer may cost hefty amounts due to the advanced medical care needed. Make sure the cancer plan has enough coverage to combat medical inflation in the future. Choosing a high sum insured with cancer medical insurance can be a smart move, allowing you to receive medical attention and therapy without financial constraints.
You do not need to pay high premium costs to get cancer insurance when you can protect your health with an affordable cancer insurance policy You can use our health insurance premium calculator to estimate the cost of a cancer policy tailored to your specific needs.
A waiting period is the duration of time that must serve before your policy coverage starts. A cancer insurance plan includes 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 waiting period.
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.
Once you have chosen the right cancer insurance plan for yourself or a family member, you can buy the policy online in the following steps:
Step 1
Generate the quote for Cancer Insurance by visiting Care Health Insurance’s official website.
Step 2
Fill in the information about insured members, their age, health condition, and gender.
Step 3
Customize your policy by selecting a suitable sum insured, policy period, and premium payment options.
Step 4
Pay the premium using any safe digital payment method, like net banking, debit or credit cards.
Once approved, you will receive the policy documents at your registered e-mail address, including the e-health card.
Voice of our Customers
Mr. Rajiv Sharma
“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
“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
“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
“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.”
My appreciation for your prompt service
Ankita Sharma
Health Insurance
We will continue to avail of your scheme
Indubala Nambiar
Health Insurance
Everything went very smooth
Vikas Singh
Health Insurance
Really helpful explaining the process in advance
Sahil Khattar
Health Insurance
Finalising my claim in a short period
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
Oops! No results found for your keyword search
Yes, you would need a separate cancer insurance since your basic health insurance may not cover the treatment cost of cancer. There will always be limitations in a standard health plan, which may not allow you to avail of the treatment that caters you complete coverage of your cancer treatment.
Yes, you will be entitled to a maximum of 50% no-claim bonus throughout the cancer treatment policy tenure as a reward for not requesting any claims.
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 a reimbursement or cashless basis, subject to policy terms and conditions.
Our cancer insurance plan offers sum insured options ranging from Rs 10 lakh to Rs 2 crore. You can enhance the coverage with optional benefits like unlimited automatic recharge, air ambulance coverage, and room rent modification at an additional premium, thus enhancing your health coverage.
The reimbursement process under our insurance plan for cancer is easy and quick. Our in-house claims management team will address and process your claim within 15 days of receiving your request. Also, the team will keep well-informed about any discrepancies in the documents submitted. The final claim is settled or denied (as per the policy terms) within 30 days of receiving all the documents.
No, a medical check-up is not mandatory before purchasing insurance for cancer coverage. However, policyholders may need to undergo a few examinations depending on your health status and as per the underwriter’s discretion.
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.
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.
You cannot opt for cancer insurance or mediclaim for existing cancer patients. To opt for a cancer plan, you should check the policy eligibility and disclose your medical history honestly.
Cancer insurance costs depend on several factors like the sum insured, your age, optional benefits, etc. Before purchasing a cancer insurance plan, review the policy benefits, waiting period, and entry age, and check the applicable premium.
If you cannot pay the premium for your cancer insurance policy on the due date, a grace period of up to 15 days 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 will lead to a policy lapse.
The cancer insurance plan offers lifetime renewal option to the policyholders. You can renew the policy online in a few easy steps. Access Care Health Insurance official website and go to the renew section. Enter complete details and make premium payment through any secure payment mode.
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.
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.
Yes, you can buy cancer insurance for your family members, either by adding them to your policy on an individual basis or by purchasing a standalone policy for them. Refer to the terms and conditions of your chosen health insurance with cancer cover for more details.
It is not possible to get cancer health insurance for pre-existing cancer patients.
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 insurance. Generally, anywhere 50 lakhs above is a favourable amount for cancer insurance plan.
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.
^10% discount is applicable for a 3-year policy
GET FREE QUOTE
Pay premium @ Axis Bank
Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Care Health Insurance Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
In case of any modifications in the policy details at the time of renewal, please contact our
branch and do not deposit the cheque in Axis Bank Branch.
Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4488/1800-102-6655
Be Corona-safe with Care Health Insurance plans.
Be Corona-safe with Care Health Insurance plans.
For showing interest in Care Health Insurance (formerly known as Religare Health Insurance Co. Ltd). Our advisor will contact you shortly.
Get Best Health Insurance for You
Get Best Health Insurance for You
For showing interest in Care Health Insurance (formerly known as Religare Health Insurance Co. Ltd). Our advisor will contact you shortly.
“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.” 
