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Health Insurace for my mother with history of cancer

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21 Jan, 2021 by  Umang

Hi,

I want to purchase a health insurance plan for my mother (58). She was detected with Cancer last year, since then she has undergone Oral Chemo, Operation and post operation vial so that there are less chances of cancer happening again.

I have tried getting her health insurance and applied for Star and Care, but both of them declined citing cancer history.

Can anyone guide me, if there are any plans for people who have suffered from cancer?

Thanks in advance.

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Parents-Health-Insurance

1 Answer

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21 Jan, 2021

Hello Umang,


It is unfortunate, but getting insurance cover for someone who has a serious illness history is tough. Here are some solutions you can try:


1) I know you have mentioned you have tried Star, but have you checked Star's Cancer Care Gold Product. It is a pilot product introduced under IRDAI regulations. Here's what is the meaning of a Pilot product

A pilot product is one which is launched on a test basis for period of 5 years. However period of insurance shall be one year and renewable thereon. Based on the performance, the product may be converted to a regular product or may be modified or withdrawn. If the product is withdrawn, the insured person shall be offered a suitable alternate product by the insurance company.

Brochure of the product: Brochure - Star Cancer Care Gold (Pilot Product) - V.2.cdr (starhealth.in)


2) As per recent IRDAI Regulations on Health Insurance, Insurers can now issue health insurance to people suffering from or having a history of certain diseases like Cancer by imposing a permanent exclusion. In such cases, your mother will have a health insurance cover, but with a permanent exclusion for Cancer treatment. You will have to be persistent and try multiple insurance companies, including public sector insurance companies locally.


Hope this helps. Do let us know if you have further questions.


Regards,

Team Beshak

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