Care Cancer Mediclaim Policy

In a world where healthcare costs continue to rise, grappling with a cancer diagnosis can be financially daunting. Amidst the emotional and physical challenges, the burden of medical expenses can exacerbate the situation. This is where the Care Cancer Mediclaim Policy can step in to provide financial support and reassurance.

The policy has been designed to address the specific needs of cancer patients and offers a comprehensive coverage framework. From chemotherapy to radiotherapy, hospitalization to outpatient treatment, and even second medical opinions, it encompasses a wide array of essential services crucial for cancer care. 

Furthermore, the Care Cancer Mediclaim Policy aims to alleviate the stress associated with pre-existing conditions by reducing the Pre-Existing Disease (PED) waiting period, thus enabling quicker access to essential services. 

In this guide, we will take you through a detailed exploration of the Care Cancer Mediclaim Policy offered by Care Health Insurance.

Care Cancer Mediclaim Policy: Key Highlights

• Sum Insured: Ranges from Rs 10 lakh to Rs 2 crore
• Policy Tenure: 1 year, 2 years, or 3 years
• Network Hospitals: Over 19,000 hospitals
• Pre-policy Medical Check-up: Not required
• Initial Waiting Period: 90 days
• Pre-existing Diseases Waiting Period: 4 years

Benefits of Care Cancer Mediclaim Policy

• The plan is tailored to cover the expenses associated with cancer treatment, encompassing crucial procedures like chemotherapy and radiotherapy.
• There are no sub-limits or coverage restrictions on ICU charges, allowing policyholders to claim the actual expenses incurred during hospitalization.
• The policyholders are eligible for a complimentary annual health check-up, facilitating early detection of any health conditions that may lead to cancer.
• One can avail of extensive coverage for in-patient hospitalization and day care treatment expenses incurred outside India, ensuring comprehensive care for policyholders worldwide.
• It gives the policyholders an opportunity to earn an NCB by maintaining a claim-free record in the preceding policy tenure. 
• In addition to financial coverage, the policy offers valuable health services, including online/telephonic doctor consultations, quick recovery counseling, and more.
• It provides access to cashless hospitalization facilities at a vast network of over 19,000 hospitals affiliated with the insurance company.

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Inclusions of Care Cancer Mediclaim Policy

• Coverage for hospitalization expenses, including ICU charges, OT charges, room rent, nursing charges, and doctor’s fees for a minimum of 24 hours
• Coverage for medical expenses incurred for treatments requiring hospitalization of less than 24 hours
• Necessary expenses incurred up to 30 days before hospitalization, including medical tests, doctor consultations, and medications
• Coverage for medically necessary expenses up to 60 days after discharge, such as follow-up consultations and medical tests
• Medical expenses incurred during chemotherapy and radiotherapy treatments
• Ambulance cover that pays for ambulance services during a medical emergency for transporting the insured to a hospital
• OPD expenses cover for medical expenses for outpatient consultations, medicines, and diagnostic tests
• Room rent modification cover allowing the insured to choose their preferred hospital room.
• Reduction in PED wait period 

Exclusions of Care Cancer Mediclaim Policy

While the Care Cancer Mediclaim policy provides comprehensive coverage, certain exclusions apply to maintain clarity and adherence to the policy’s guidelines. These include:

• Cancer resulting from war-like conditions, rebellion, nuclear attacks, acts of foreign enemies, and terrorist activities 
• Injuries intentionally inflicted by the insured 
• Cancer caused due to any type of occupational diseases 
• Expenses related to unproven, investigational, or experimental treatments for cancer 
• Costs associated with vaccinations, regardless of their relevance to cancer prevention
• Expenses incurred on dietary supplements and substances, even if related to cancer care

It is essential for policyholders to be aware of these inclusions and exclusions to avoid any misunderstandings during the claims process. 

Care Cancer Mediclaim Policy Eligibility Criteria

To avail the benefits of the Care Cancer Mediclaim Policy, individuals must meet the following eligibility criteria:

• Minimum Entry Age: 5 years
• Maximum Entry Age: 50 years
• Coverage Type: Individual coverage
• Maximum Number of Family Members Covered: up to 6 members
• Relationships Covered: Self, spouse, children, siblings, parents, parents-in-law, grandparents, uncles, aunts, grandchildren, nephews, nieces, and employees
• Renewability: Lifelong 

These eligibility criteria are structured to accommodate a broad demographic, emphasizing the inclusivity of the policy. 

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