| Key Features & Benefits of Cancer Care Policy |
| What is Special? |
An insurance cover for the First time in Indian Insurance History to Cancer affected lives. |
| What does it offer? |
I. A lumpsum benefit against the risk of recurrence / Spreading of Cancer (metastasis) / Second Cancer (Second Malignancy) unrelated to previous Cancer. |
| II. The risk of non cancer related illnesses and accidents affecting the cancer survivors. |
| Who Can Buy? |
Persons diagnosed with Cancer (Stage 1 or Stage 2) and whose primary treatment is on/done. |
| Age At Entry |
05 Months to 65 years |
| Policy Type |
Individual |
| Sum Insured Options |
3 Lac and 5 Lac - Sum Insured change not allowed |
| Policy Term |
1 year - Life Long Renewals Guaranteed |
| Policy Benefits |
| Section - 1 |
Lumpsum Benefit - When there is a recurrence / Metastasis and / or a Second CancerFor 3 Lac SI - Rs. 150000 & For 5 Lac SI - Rs. 250000 |
| Section - II |
Indemnity Cover - Surgical and Interventional Theraphy - For non - Cancer Treatments For 3 Lac SI - Rs. 100000 & For 5 Lac SI - Rs. 150000 - Per Policy Year |
| Section - III |
Indemnity Cover - Non Surgical and Non Interventional Theraphy For 3 Lac SI - Rs. 50000 & For 5 Lac SI - Rs. 100000 - Per Policy Year |
| Room Rent Limit |
Single Standard A/C Room for both Section 2 and Section 3 Benefits |
| ICU |
Actuals |
| Professional Fee |
Surgeon, Anasthetist, Medical Practioner, Consultant, Specialists Fee - Actuals |
| Other Medical Expenses |
Anasthesia, Blood, Oxygen, Operation Theatre Expenses, Medicines, Drugs, Diagnostic Expenses, etc - Actuals |
| Road Ambulance Charges |
Rs. 1500 per hospitalisation & Rs. 2000 per Policy Period |
| Pre-Hospitalisation Expenses |
Covered for 30 days prior to Hospitalisation - Actuals |
| Post-Hospitalaisation Expenses |
Covered for 60 days from the Date of Discharge - Actuals |
| Day Care Procedures Coverage |
.ALL Day Care Procedures Covered. |
| Policy Continuity - After Sec. 1 Benefit |
Policy Will continue for Section 2&3 Benefits for remaining policy term. |
| Policy Renewal - After Sec. 1 Benefit |
Guaranteed renewal for Section 2&3 Benefits @ a lower premium. |
| Pre-Medical Screening? |
No. Medical Check NOT required |
| Waiting Periods |
| a.For Cancer (Sec1) |
30 Months from Inception of Cancer Care Gold |
| b. For treatment of non-cancer illnesses/accident (Sec - 2&3) |
| 30 days Waiting |
Disease/Illness contracted during first 30 days since inception will not be covered. |
| 24 Months Waiting |
Specified Illness/Diseases liks - Cataract, Stone removal, Cyst removal, Organ Transplation etc. |
| 48 Months Waiting |
Pre-Existing Diseases (Other than Cancer) - Declared, Accepted and Endorsed in Policy. |
| 48 Months Waiting |
Pre-Existing Diseases (Other than Cancer) - Declared, Accepted and Endorsed in Policy. |
| Copay |
10% on admissible Claims under Section 2&3 for insured more than 60 years of age at entry level. |
