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How to Evaluate Cancer Insurance

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April 08, 2019
These days, cancer in its various forms has emerged as one of the biggest killers of mankind and it has become one of the most dreaded diseases to ever plague the societies across the globe. In India too, the incidence of cancer has lately been on a rise and this is so, owing to several reasons. Cancer is caused due to a malignant cell growth that occurs because of changes in the cell structure or physio-chemical changes in the cell chemistry due to various reasons. As a result of this, the cell witnesses abnormal and malignant growth and this malignant growth may spread to other surrounding tissues as well, leading to a full blown abnormal growth, which can become life-threatening. Symptoms may include nausea, weakness, diarrhea or constipation, unexplained weight loss/gain, painful lumps, chemical changes in the body etc. Moreover, the cancerous growth can spread to other parts of the body or there can be even relapses in patients who undergo treatment.

The treatment process for cancer is extensive, elaborate and requires elongated durations for completion. The treatment process is extremely complex and may require therapies such as chemotherapy, radiation therapy and even surgical procedures. Needless to say that such procedures and the treatment methods involved put a terrible strain on the family's finances as well. Therefore, taking out a cancer-specific policy goes a long way in taking care of the policy-holders financial interests in the event of occurrence of a cancer-related emergency.

When it comes to choosing between the various cancer-specific plans that are offered by various insurance providers, there are certain important parameters that must be taken into consideration. This is what constitutes the basis of evaluation of cancer insurance plans. While evaluating various cancer insurance plans, there are following parameters that must be kept in mind:

  1. Coverage offered: The plan that you choose must offer complete coverage against the various involved costs. This includes coverage starting from the stage of diagnosis of the disease, pre-hospitalization, doctors consultation, therapies and surgical procedures involved to post-hospitalization, recuperation and ultimate recovery.
  2. The policy must offer exclusive riders that suit the needs and requirements of patients. This may include benefits related to extended hospital stay, accommodation for family, ambulance facilities etc.
  3. The policy must offer coverage for any extra or unforeseen complications that may arise during or after the course of treatment. This will ensure that sufficient financial back up is in place and the patients family does not have to worry about additional financial expenses that may be incurred.
  4. Most insurance providers these days offer the added benefits of offering coverage against the travel expenses in case the patient has to be transferred or referred to any other place for specialized treatment. Extra clauses like this must be included in the policy terms.
  5. One more important factor that must be duly checked is whether the policy terms include the clauses for any waiting period. This period refers to the time duration, post diagnosis, after which the patient is eligible for claiming the coverage benefits. This waiting period must be checked and evaluated before purchasing the policy.

HDFC Life offers HDFC Life Cancer Care a cancer-specific plan that offers extensive benefits in the event of any cancer-related emergency and offers complete financial protection in case of the occurrence of any such disease. 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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