Steps To Find The Best Health Insurance Plans For Cancer Patients In India

 

Steps To Find The Best Health Insurance Plans For Cancer Patients In India

Despite the advancements in technology and medicine, cancer continues to kill. It affects the patient and the entire family bringing along with it an emotional and financial turmoil that's hard to overcome. Every year, over 7 lakh patients are affected by this deadly disease in the country. Regular health insurance plans might not cover cancer and the associated cost with its treatment.

The financial challenge can be eased with the help of a dedicated cancer insurance plan. Such a plan gives the financial muscle to bear the cost associated with the treatment of the disease. Here are the steps to find the best insurance plans for such deadly disease in India:

Health/Medical insurance is a type of financial protection which covers you from all sorts of medical expenses which you incur in case of any uncertain health issues.

It covers all your medical expenses as promised by the Insurance provider according to the policy and saves you from huge medical bills that could break down your financial conditions.At insurancehub.ae, we understand that choosing the right health insurance can be a daunting task. There are so many factors to consider, and it can be difficult to know where to start. That's why we're dedicated to providing you with all the information you need to make an informed decision. We compare the features and benefits of different health insurance policies, so you can easily find the cheapest option that meets your needs. And if you're not sure which policy is right for you, our team of experts is always on hand to offer advice and guidance. So whether you're looking for the cheapest health insurance in Abu Dhabi or simply need some help understanding your options, we're here to help.

  • Research

Due to the sheer number of cancer insurance plans available in the market, research is key. Depending upon the type of cancer and the stage of the disease, the policy terms, premium and the payout mode may vary across policies. To make an informed decision, research is crucial. Today, there are various aggregator websites where you can check about the various plans for this desease.

  • Sum insured

The sum insured offered by a cancer insurance policy is crucial. Cancer brings with it heavy expenses for treatment and procedures and being under insured will defeat the purpose of the policy.

Along with the high treatment cost, cancer might impair a person's ability to earn. Hence, the sum insured should be large enough to take care of the family expenses before one resumes work.

Types of cancer covered and stages

The best cancer insurance plans covers most types of cancer - pre-malignant tumors, malignant tumors, non-invasive cancers in the CIS stage, and cancers that spread in various organs like prostate, liver and throat.

The disease usually advances in four stages - CIS stage, early stage, major stage and critical stage. The financial needs of each stage are different as the mode of treatment varies. It's essential to check if the sum insured will cover the financial needs of all these stages.

Payment of sum insured

Most insurance plans make a lump sum payment upon diagnosis. However, there are plans that offer a certain percentage of the sum insured upon diagnosis and pay the remaining periodically to help the family meet the treatment expenses as and when required.

The most beneficial feature of cancer insurance plans over regular health insurance plans is that they offer a lump sum amount, covering pre- and post-hospitalization costs. Cancer care goes beyond hospitalization and needs a hefty amount.

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