Choose such a best cancer insurance plan, not a burden on pocket
Choose such a best insurance plan. Cancer in India is at the highest level in the world. According to the WHO, the number of cancer patients in 2017, where 1.5 lakhs, is expected to increase to 17.3 lakh in 2020. It is anticipated that every Indian family will have at least one cancer patient, as per some media reports, one in every six or eight Indian will ever be caught in cancer. Unfortunately, cancer is such a disease that affects not only the life of a person but also affects his whole family financially. But this can be avoided. How, by taking good health insurance Let’s know how to choose the right health policy.
Fixed benefit plan available in the market
The insurance companies currently offering cancer insurance plans is a definite benefit plan. In this, the Sum Insured paid to the insured without the need for hospitalization in the insured person. The cancer insurance plan covers all stage cancer. Provides compensation on every stage. Apart from this, these schemes also provide additional benefits like Minor Stage Cancer, Multiple Unrelated Cancer Claims and Minor Life Cover. Santosh Agrawal, Associate Director and Cluster Chief of Policy bazar.com, says that there is no doubt that cancer insurance scheme is the best way to protect your property and savings during your illness.
Plans up to 25 lakhs are good
According to Agarwal, the treatment of cancer is very expensive when it is cancer. It therefore advised that cancer plans purchased separately. Most cancer insurance plans available in the Indian market pay a one-time payment after diagnosis of this disease. Given the cost of treatment in India, it would be good to buy a plan of at least Rs. 20-25 lakhs.
The treatment of all types of cancer is different
According to Agarwal, when buying a cancer insurance plan, the maximum sum insured purchased only. It is also important to understand the details of the whole sum insured as the method of treating all types of cancer is different. With maximum insured amount, the insured can get the best cancer treatment with the latest technology without spending all his savings.
It is necessary to see the waiting period while taking the plan
Agarwal said that while taking a cancer insurance plan, it paid attention to the waiting period, as the insurance can not claim before this period. So buy a policy that has a minimum waiting period. Typically, the waiting period for maximum insurance plans is between 180 days and 365 days.
100% of the advance stage gets the amount
He said that under the Cancer Insurance Plan, the sum assured paid at all stages of cancer, which 20 to 25 per cent in the initial phase and 100% in the advance stage, although in many policies 150% of the sum insured Percent paid up to.
Some cases do not contain cancer insurance
Agarwal said that in some cases, the companies do not insure cancer, in which if there cancer, skin cancer, sexually transmitted diseases, HIV, or AIDS due to direct or indirect cancer due to insurance, any congenital cause The cancer caused by exposure to cancer, radiation, or radioactivity caused by cancer of cancer, biological, atom or chemical pollution.