Is health insurance available for someone who was diagnosed and treated for cancer 4+ years ago?
My friend was diagnosed and treated for cancer about 6 years ago. Post that, there has been no remission, and has been leading a life without any health complications.
Would companies provide health insurance under the provision that pre-existing diseases are those that have been diagnosed/treated in the past 4 years?
Hi Pratik,
Star Health Insurance has a specific plan for cancer survivors. It's Star Cancer Care Platinum Insurance Plan.
Here is a short description of the plan for your reference:
Highlight
Entry age - 5 months to 65 years
Renewals are guaranteed for - Lifetime
Lump-Sum Cover
The Company will pay a lump sum amount as mentioned for the person who suffers a recurrence, metastasis, and/or malignancy unrelated to the first cancer Sum insured under this section is 50% of the Section I sum insured.
No pre-acceptance medical screening. All that one needs to do is share the past medical records pertaining to the treatment taken for Cancer in the past
InPatient Hospitalization - Covered up to Sum Insured
Room Rent Capping - Single Standard A/c
ICU Capping - None
Ambulance charges - Covered
Pre-Hospitalization - 30 days
Post-Hospitalization - 60 days
Daycare Treatments - All day care procedures are covered
Health Checkup - Up to Rs.2,500/- for every claim free year
Cumulative Bonus - 5% of basic sum insured for each claim free year subject to a maximum of 50% of the basic sum insured
Waiting Periods
30 days (Not applicable for Accidents)
24 months for specified illness/ diseases.
30 months for treatment of Pre-existing diseases
Get in touch with an insurance expert for further assistance in this regard..
Best Wishes,
Satish Kumar H
Dear Pratik
Yes , there are products as recommend by Pankaj and Satish.
However , I recommend to create a medical emergency fund rather depending on insurance .
If possible ask for RS 100 lakh cover with Rs 10 lakh deductible.
Make an medical contingency fund of Rs 10 lalh .
This way , you will buy cover for a very low price and have a security for high cover .
Best wishes
Most insurers exclude cancer as a pre existing ailment and can reject your application for insurance,
However star has lately launched a product for cancer patients where individuals with cancer as a PED can apply, there are if& buts surrounding it to the extent they cover people incase there is a recurrence of czncer in the future & it comes with a copay of 10%
I'll be able to help you better if you choose to book a consult - it's free, you can click on the link next to the profile for the same.