Cancer Cover

Cancer Indemnity Cover Detailed Content 
Cancer significantly impacts India, with the National Cancer Registry Programme (NCRP) estimating 1.5 million new cases in 2022. This highlights the urgent need for financial security against the disease's heavy medical and emotional toll, especially considering that the minimum cost of cancer treatment in India can start from ₹90,000.

A cancer indemnity cover offers vital support. Providing a lump sum of ₹4 lakhs upon diagnosis, regardless of treatment costs, it allows patients to prioritise their health and recovery without worrying about the financial burden. This comprehensive coverage costs just ₹649.

Inclusions:

• Inpatient care
• The policy covers hospital stays and associated costs upto Rs. 4 Lakhs

Daycare treatments:

• Daycare treatments mean procedures that are carried out within a few hours and don’t necessitate a hospital stay. These are covered by the policy as well upto Rs. 4 Lakhs

Pre- and post-hospitalisation costs

• These include doctor consultations, diagnostic tests, post-treatment care, and more. Pre-hospitalisation costs are covered up to 30 days before hospitalisation and post-hospitalisation costs are covered up to 60 days after hospitalisation.

Room & ICU rent

• Room and ICU charges are covered up to 1% and 2% of the sum insured, respectively, ensuring a comfortable hospital stay.

AYUSH treatments

• This policy covers AYUSH treatments, including Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy.

Policy Conditions

• Waiting periods
  The policy comes with a 90-day waiting period.
  
  
• Age eligibility:
  The policy is available for persons aged 18-65 years.

Claim process -
Here’s how you can raise a claim under this policy:

A. Claim intimation:

• In case of unplanned hospitalisation, inform the TPA (Third Party Administrator) or insurer within 24 hours of admission
  
  
• In case of planned hospitalisation, inform the TPA or insurer 48 hours before admission.

Submit these details:

• Your name
  
  
• Claimant’s name and customer ID
  
  
• Hospital details
  
  
• Diagnosis and treatment details
  
  
• Approximate claim amount
  
  
• Date of admission

B. Claim process initiation

Fill out the claim form (available on https://www.careinsurance.com/). Send it to the TPA/insurer along with these documents:

• Original receipts/bills
  
  
• Discharge voucher 
  
  
• Original chemist bills and supporting prescriptions
  
  
• Original investigative reports and payment receipts
  
  
• Case papers
  
  
• Doctor consultation papers and bills
  
  
• Any other document as requested by the TPA/insurer.

Insurer’s address: CARE Health Insurance Company Limited, Vipul Tech Square, Tower C, 3rd Floor Sector- 43, Golf Course Road, Gurgaon –122009

C. Claim Processing and Reimbursement

There can be 3 outcomes:

• Approval
  If your claim is approved, you will be informed about the same by the TPA/insurer
  
  
• Information deficiency
  In case the TPA/insurer needs more information, you’ll be notified about the same for resolution
  
  
• Rejection
  In case your claim is declined, you will be notified about the same along with the reasons for rejection. You can send across further documents, if any, to enhance the claim. If these are found to be acceptable, your claim may be reopened for review.