You need health cover regardless of what you take two at a time - pills or stairs.
  • Health Insurance for Cancer in India - What are the Options?

    In USA medical science has gone far enough to be able to determine the percentage of chance an individual has to attract certain types of cancer in their lifetime. While the future generation does have some hope in cord blood banking which perhaps would help to save some lives from cancer, Indians do not have access to such opportunities to save lives mainly because of the affordability factor.

    Affordability of Cancer Treatment in India:

    Despite the fact that India has a huge market for medical tourism which relies mainly on cheaper medical costs, many Indians do not have access to basic health care . The main issue is health finance is expensive and when someone has cancer, keeping in mind that there are 200 types of them, you ought to think about being able to afford the treatment, even if the patient is in a curable stage. India’s pharmaceutical industry is booming and yet people can’t afford the basic pain relief medication for pain as a cancer patient. Before one does go bankrupt one can think of a solution that is now available to Indians known as the health insurance for cancer. In our country, over 10,000 people get diagnosed with cancer each year and it is indeed a scary number.

    Benefits and Features of Cancer Health Insurance from ICS:

    It is easy to get this policy since many banks and insurance providing companies have started including this in their health insurance portfolio. All an individual needs to do is be less than 70 years of age and have a membership in ICS (Indian Cancer Society). It is important to note that the individual should not have a history of being diagnosed with cancer before. But the reasons why one should opt for it is not only the alarming chances of cancer having increased in people, but because it is a convenient product too:

    • This insurance policy does not require any medical tests as long as a Declaration of ‘good health’ has been signed and provided by a licensed doctor.
    • This policy offers enough coverage for probable costs that come with cancer treatment, right from diagnosis, biopsy and surgery to radiotherapy, chemotherapy along with hospitalization as well as rehabilitation if and when required at a very affordable premium amount.
    • Claims of reimbursements can be done quarterly for all the actual cancer treatment expenses incurred, until the whole sum insured amount is completely exhausted. The other case when the claim reimbursement stops is when the insured individual is declared as cured or in good health. Whichever of the two happens will happen earlier will stall the claim reimbursements.
    • The insured also have access provided by the Society for check-up facilities since there is a Cancer Detection Centre in Mumbai at Pedder Road. People who come for first time check-up facility will have access to it for free but from then on the tests will be available at 50 percent discount.
    • Also people get free access to various cancer related literature accessible at the Society.
    • The best part about the policy is that the whole policy is managed and administered by the Society itself, making it very convenient for people to handle this insurance, including premium payments, treatments and claims if and when needed.
    • You also can get tax benefits from this health insurance since it also comes under the general insurance category.

    Other Cancer Insurance Policies:

    Other similar products are available from CPA which is also in association with National Insurance, like ICS. Also, ICICI has a similar product for health insurance for cancer. Here is a comparative study of the existing products available for health financing in India:

      National Insurance with CPAA Cancer Insurance Policy National Insurance with ICS Cancer Insurance Policy ICICI Cancer Care Plus
    Eligibility For Cancer Patients Aid Association members not having diagnosed with cancer.
    Minimum and Maximum Age of Entry Company discretion Up to 70 years Between 20 years to 60 years but can be renewable up to 70 years
    Policy Term 1 year 1 year 10 years
    Sum Assured Range Rs.30,000 to Rs.5 lakhs Rs 50,000 to Rs.2 lakhs Rs 5 lakhs to Rs.25 lakhs
    Premium Range Rs.2,400 to Rs.8,000 Rs.496 for minimum cover and Rs.1,157 for maximum cover. Starts from Rs.4,604 Rs.14,845. Minimum single premium starts at- Rs.1,200 annually.
    Waiting Periods From diagnosis date should survive up to 30 days Should be able to survive for 30 days from the date of diagnosis Varies based on age

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Health Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 15 years and it is a good policy. It is a family policy with the coverage value of Rs 7 lakhs for this insurance. I have no claim experience so far from this insurance and i pay a premium of Rs 4000 for this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 18, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've an employer provided health insurance policy with the ICICI Lombard. The company is paying the premium. It offers of a coverage of 2 lacs for me annually. I do not have any claim experience with the policy. So far there hasn't been any issues with the policy. I'll have to wait and see how they respond to my claims in future if I'll have any.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 17, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have choose this Hdfc insurance mainly because of convincing premium benefits . This policy covers Cashless hospitalization, pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits and the premium amount which am paying is quiet high , I make the payment through on line.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 17, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Icici health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • Star Health Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • review Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I took health insurance from Iffco tokio health insurance . I have choose this insurance mainly because of convincing premium amount . I have closed this insurance as they told it cover pre disease coverage . During claim process , there is no proper response from the customer service and response .
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • New India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy which is provided by the employer in partnership with the New India Insurance . The company is paying the premium, so far there hasn't been any claim experience with the policy. It offers 10 lacs hospitalization coverage and a whopping 1 Crore accidental benefits. Considering the features and benefits it is recommendable health insurance policy to have.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Health Insurance
      "Useful Service"
      0.5 4.0/5 "Great!"
      I've an employer provided insurance policy with the Bajaj Allainz. The company is paying the premium, I do have a claim experience with the policy where I claimed 100% amount needed for the treatment. It was a cashless treatment and the whole process was smooth and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 16, 2018
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from more than 10 years and it is an individual policy. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy and the policy is covered up to Rs 3-4 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • Max Bupa Health Insurance
      "Don't buy health insurance from Max Bupa"
      0.5 0.5/5 "Unacceptable"
      I have taken policy for brother. while playing he suffered from knee injury. During hospitalization doctor suggested for ligament operation. After that we applied for cashless but max bupa rejected cashless and suggested for reimbursement. After hospitalization we submitted all claim document. max bupa send message that within 21 days claim will approved. Now after 40 days also claim is not approved and showing Suspense status . after that i checked review from many website, i come to know that max bupa claim ration is zero. This is fake company who not settle any claim. Below are my claim details: Claim Number: 339012 Final Status: Suspense Claim Decision Date: Saturday, June 9, 2018 12:00 AM
      Was this review helpful? 1
      , pune
      Reviewed on Jul 12, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 7 years and it is one of the good insurance policy. I pay a premium of Rs 10000 for this insurance and it is a family heath policy. My claim experience was good and i have claimed 2 times. The coverage value was 90% and it was a cashless treatment.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 12, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 15 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. This is a family policy so the coverage value is Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2018
    • Reliance General Health Insurance
      "Claim not clear & totaly judh bol rahe hai.."
      0.5 0.5/5 "Unacceptable"
      Rejection Letter of 90618616 00 Policy No : 12371716 Reason INSURED IS SUFFERING FROM HEADACHE PRIOR TO POLICY INCEPTION AND SAME WAS NOT DISCLOSED. HENCE CLAIM IS REPUDIATED UNDER NON-DISCLOSURE. But total false.. Hame phale koi bimari nahi thi Plz take action...
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • review Health Insurance
      "Good to take the Health insurance policy"
      0.5 4.0/5 "Great!"
      I have a claiming experience. There is plenty of hospitals covered in Hydrabad area. The claiming experience is good and it was done within 15 days. I claimed the maximum amount of Rs. 25000 till now and i can claim upto 5 lakhs for me and my family. Cashless treatment facility is also treatment. The company will take care of premium amount and all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Bajaj Allianz. Their service is very good. I have raised almost three claims and the processed those claims with out any delays. Everything was smooth and hassle free. I am really impressed with their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy from the ICICI Lombard which is provided by the Company. The company is paying the premium. It covers almost all treatments, I do not have any claim experience with the policy. I'll have to wait and see how they respond to my claim in case if I'll have any.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2018
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