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Travel insurance for cancer patients

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November 14, 2018
Incidence of cancer is on a rise. Unhealthy lifestyle changes and a host of factors are responsible for this. A large segment of global population has been affected by this dreaded disease and the figures are expected to rise. Now, if there is a cancer patient who wishes to travel abroad for treatment of a cancer survivor who wishes to go to a destination for recuperation, can she/he seek to insure the trip? Naturally the answer is yes. But is it as easy as getting travel insurance for a person without any history of the disease? The answer is – no. Getting travel medical insurance with a pre-existing condition like cancer is not easy because many insurance companies decline the coverage. The reason is quite obvious. Being a cancer victim or even being in remission from cancer makes a person come into the high risk category of insurance seekers. The probability of claiming the coverage is quite high and most insurers find this to be a worrying factor.


While opting for travel medicare insurance, there are two broad types of insurance providers. First are the mainstream insurance providers. These insurers fall into the traditional category of coverage providers and generally do not offer coverage against cancer (or any other pre-existing condition) while giving insurance cover for the trip. Thus, these insurers cover your trip but exclude any pre-existing conditions like cancer. Then there are the specialist cancer insurance providers, who, unlike the mainstream ones, who offer insurance coverage for cancer and other pre-existing conditions along with the travel insurance. However, due to the extra coverage offered and the high-risk probability, the premiums are higher than those levied by mainstream providers. 

If you have a pre-existing condition like cancer, the best option is be absolutely open and honest with factual details while purchasing the travel insurance plan for cancer patients. While submitting the details, be clear and concise with the medical documentation and other information regarding your medical history and current scenario. In case if you are in a state of remission, you must get a thorough check-up done by your doctor and seek documentation for your exact medical status, whether you can travel and other relevant details. It helps in the long run to inform your insurance provider about everything related to your treatment and how long you have been in remission. This directly impacts the premiums as the premiums to be paid vary according to your past and current condition.

Additionally, you must note that the planned destination of your trip also impacts the travel cancer insurance plan that you are seeking. There are places where the cost of medical treatment is rather high. If you are traveling for the purpose of treatment or recuperation, make a note of the preferred options of places where you can go. It might impact the premium of the cover in some way as the cost of treatment, destination and the planned duration of stay are important factors in travel insurance coverage.

Whatever be the case, being prepared financially for any kind of contingency always helps. HDFC Life presents HDFC Life Cancer Care – a cancer-specific plan that offers benefits ranging from pre-hospitalization and diagnosis to treatment and recovery. For details, click on the mentioned link: https://www.hdfclife.com/health-insurance-plans/cancer-care-insurance.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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