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As long as Life Goes on Smoothly No One pays attention to it.
But what if CANCER hits UNEXPECTEDLY???
Not only does it affect physically & mentally but also IMPACTS one’s finances.

One can With COURAGE & WILL POWER FIGHT BACK PHYSICALLY & MENTALLY, WHAT ABOUT THE FINANCES?

BE READY TO FIGHT BACK FINANCIALLY IN CASE OF CANCER.

Let’s see what APOLLO MUNICH HEALTH INSURANCE CANCER PLAN has on offer.

ABOUT THE PLAN: It has two variants… ESSENTIAL & ENHANCED.
AGE AT ENTRY: - 5 TO 65 Years.
SUM INSURED: - Rs. 5,00,000 TO Rs.50,00,000
ABOUT ESSENTIAL / STANDARD PLAN…..

Coverage of medical expenses for hospitalization (inpatient and Daycare) and outpatient treatment taken for cancer.
• Conventional treatment
• Chemotherapy
• Radiotherapy
• Organ transplantation, as part of Cancer treatment
• Surgeries for excision of cancerous tissue or removal of organs/ tissues(Onco-surgery)
• Pre- hospitalization expenses incurred in the 30 days immediately before the date of admission in the Hospital are covered
• Post- hospitalization expenses incurred during 60 days immediately after insured person is discharged from the Hospital are covered
• Emergency Ambulance - We would cover expenses incurred on transportation to a Hospital in case of an Emergency upto Rs.2000 per hospitalization
• Follow Up care Post treatment :
We will cover expenses incurred on medical examination upto Rs.3000 twice a year,after treatment for Cancer has been discontinued basis recommendation of Medical Practitioner for atleast six months with “No evidence of disease (NED)”.

 All of the above with addition of
Advanced Plan (Optional benefit)
In addition to coverage under Standard plan, following Advanced treatments would alsobe covered
• Proton beam therapy
• Immunotherapy including immunology agents e.g. Interferon, TNF etc.
• Personalized & Targeted therapy
• Hormonal Therapy or Endocrine manipulation
• Stem cell transplantation

Second Opinion
The Insured would have an option to request for a second opinion, on first diagnosis of Cancer. This would be provided through our panel of medical practitioners who would have access to artificial intelligence, deep analytics, & cognitive software.

Criti Care Benefit (available with Enhance variant)
Lump sum benefit to cover your financial needs

We would pay 60% of Sum Insured as lump sum benefit over and above the base Sum Insured, if the Insured is diagnosed with Cancer of Specified Severity as is defined in our policy. This benefit is available for ages 18 years and above and is payable only once in a policy lifetime.
Family Care Benefit (available with Enhance variant)
100% of Sum Insured as lump sum benefit over and above the base Sum Insured if the Insured gets diagnosed with either of the following, whichever is earlier:
• Advanced metastatic Cancer (Stage IV)
• Recurrence of Cancer
This benefit is available for ages 18 years and above and is payable only once in policy lifetime

(*SOURCE: APOLLO MUNICH HEALTH INSURACNE ICAN BROCHURE)


What’s our view on this plan/policy?
Before taking a closing on various cancer plans available in the market keep this policy in comparison too.
Their Enhanced Plan has wider coverage than the essential one as it gives criti care benefit of 60% of sum insured over the regular sum insured subject to policy terms & conditions and family care benefit of 100% subject to specific diagnosed cancers as stated in their policy terms & conditions.
Further they offer lifelong renewals regardless of health status & claim status.
The policy comes with an initial waiting period of 120 days.
*Kindly Read the Policy Terms & conditions before Subscription.
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