HDFC ERGO iCan Cancer Health Insurance
Cashless Approval TAT | 45 mins Cashless Claim Processing |
Claim Settlement Ratio | 100% |
Network Hospitals | 12,000+ |
PED Coverage Starting From | 3 year |
Special Benefits | 2X Cover from Day 1 |
Starting Premium | Rs. 1090/month |
About HDFC ERGO iCan Cancer Health Insurance
iCan Cancer Insurance plan designed by HDFC ERGO General Insurance is a cancer-specific medical insurance plan. The plan covers medical expenses incurred due to cancer on an indemnity basis. This means that the actual cost of treatments and hospitalisation is covered under the plan. The plan comes in two variants of Essential and Enhance. Enhance variant has two additional coverage options wherein a lump sum portion of the sum insured is paid in case the insured is diagnosed with cancer.
Besides the standard coverage available under the plan, there is also the option of choosing Advanced Plan. Advanced Plan gives additional coverage to the insured for expenses incurred in treating cancer. A medical second opinion is also available under the plan when the insured is first diagnosed with cancer during the policy period. Sum insured levels start at Rs. 5 Lakh and go up to Rs. 50 Lakh.
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Key Inclusions and Exclusions of the Plan
What's Included
- Conventional cancer treatments like radiotherapy, chemotherapy, onco-surgeries and organ transplants
- Pre and post-hospitalisation expenses for 30 and 60 days respectively
- Criticare and FamilyCare Benefits are available in Enhance Plan which pay a lump sum amount on diagnosis of cancer of specified severity
- Hospitalisation and day care treatment for cancer
- Emergency ambulance cover for up to Rs. 2000 per instance of hospitalisation
What's Not Included
- Treatments taken outside the country or within the country but at a place which does not fulfill the definition of a hospital
- There is no cover for pre-existing illnesses under iCan Cancer plan
- AIDS and HIV related treatment is not covered under the policy
- Non-allopathic treatment is excluded from the coverage list
- Treatments not taken for cancer is not covered by the Plan
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FAQs on iCan Cancer Health Insurance Plan
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What is Criticare Benefit?
Criticare Benefit is available under the Enhance Plan. Under this benefit, if the insured is diagnosed with cancer of a specified severity, 60% of the sum insured is paid in lump sum. The benefit would be payable only once during the coverage period.
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What is FamilyCare Benefit?
FamilyCare Benefit is also available under Enhance Plan. Under this benefit, if the insured is diagnosed with Stage IV cancer or if the cancer recurs, 100% of the sum insured is paid in lump sum addition to the sum insured which is available for meeting medical expenses of the insured.
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What is the policy’s entry age criterion?
Individuals aged between 5 years and 65 years can buy the policy on an individual sum insured basis.
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Does the plan have any waiting period?
Yes, an initial waiting period of 6 months is applicable for the occurrence of cancer.