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Care Cancer Mediclaim Health Insurance

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Care Health Insurance
Cancer Mediclaim Policy
Claim Settlement Ratio95.47%
COVID-19 CoverYes
In-House Claim Settlement100%
Network Hospitals8,250+
Policies Sold6,91,739
RenewabilityLifelong

About Care Cancer Mediclaim Health Insurance

Cancer Mediclaim Policy is an indemnity-based policy that provides cancer protection at unbeatable premiums. If covered under the policy, you will stay secure from expenses arising due to cancer treatment, in all stages. This medical insurance policy will cover you for advanced treatment like chemotherapy, radiotherapy, etc. The policy comes with a wide range of sum insured options thereby offering you sufficient coverage in difficult times. If covered under the policy, you can choose sum insured options ranging between Rs. 10 lakh to Rs. 2 crores.

Some coverage benefits that the policy offers you include alternative treatments, daycare treatment, organ donor cover, ambulance cover, second opinion, annual health check-up, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, and so on. The policy offers you tax benefits under Section 80D of the Income Tax Act, 1961. Also, it offers you No Claim Bonus benefit which increases the sum insured for every claim-free year.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses related to chemotherapy and radiotherapy
  • Cover for ambulance and ICU expenses
  • Organ donor expenses
  • Expenses related to alternative treatments
  • Cover for OPD expenses
  • Annual health check-up

What's Not Included

  • Expenses incurred due to cosmetic or plastic surgeries or related treatment
  • Pregnancy , childbirth, miscarriage, etc.
  • All hazardous activities
  • Damage caused due to a nuclear, etc. attack or weapons
  • Illness or injuries
  • Illnesses or injuries related to breach of law

6003 Care Cashless Network Hospitals in India

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Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Cancer Mediclaim Policy Health Insurance Plan

  • Does cancer insurance policy offer tax benefits?

    Yes. The premium paid for cancer insurance policy is eligible for tax benefits under Section 80D of the Income Tax Act, 1961. 

  • What are the factors to keep in mind when buying Cancer insurance policy?

    When buying cancer insurance policy, you should keep the following factors in mind:

    • Sum insured: Considering the high medical inflation rates, it is recommended to purchase a cancer insurance policy with a high sum insured amount.
    • Coverage features: Opt for a policy that offers features like organ donor cover, medical procedures like chemotherapy, etc.
    • Waiting period: When buying a cancer insurance policy, take note of the claim period as this is the period during which you will not be able to make any claim.  
    • Types and stages of cancer: check the types and stages covered under our cancer insurance policy to avoid any discrepancy at the time of claim. 

  • What are the benefits of Cancer insurance policy?

    Cancer insurance policy offers you the following benefits: 

    • Cover for hospitalization expenses
    • Tax benefits under Section 80D of the Income Act, 1961
    • Cover for various medical procedures
    • Cashless treatment at a network hospital

  • Is it necessary to get a medical check-up before buying a cancer insurance policy?

    There is no requirement to go through a medical check-up before buying a cancer insurance policy. But it may be required at the discretion of an underwriter.  

  • Will my sum insured amount increase in the subsequent year if I don’t claim any amount in Cancer insurance policy?

    Yes. you can avail No Claim Bonus in case you don’t make any claim under your Cancer mediclaim insurance policy. Under this feature, the sum insured gets increased by a specific percentage for every claim free year that is completed and is continuous. 

     

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