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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