Can a Cancer Survivor Get Health Insurance in India?
Many cancer survivors face the challenge of securing health insurance, given the pre-existing condition and the high risk associated with their medical history. This article explores the possibilities and available options specifically for cancer survivors in India.
Seeking Health Insurance for Cancer Survivors in India
It is true that obtaining health insurance coverage for someone who has already undergone cancer treatment can be quite difficult. However, there are options available for you to explore, especially through super top-up covers with a high threshold. These covers can help mitigate unforeseen expenses if a claim is admissible.
Understanding Cancer-Related Health Insurance Plans in India
Yes, there are specialized health insurance plans available in India for individuals who have battled cancer. One such plan is Star Cancer Care, which offers coverage for cancer-related treatments. However, it's essential to note that the coverage for cancer-related treatments may be limited or excluded from the policy. Some insurance companies might require a waiting period before they cover pre-existing conditions like cancer.
The premiums for such policies can also be higher due to the increased risk involved. Therefore, understanding the nuances of the policy is crucial for making an informed decision.
Exploring Cancer-Specific Insurance Plans
Yes, LIC (Life Insurance Corporation of India) also offers a cancer cover policy, which can be a viable option. This policy is designed specifically for individuals who have battled cancer, but it's important to disclose all relevant health information to the advisor.
Health Allied Insurance Co. Ltd. offers the STAR Cancer Cover plan specifically for cancer survivors. The maximum cover amount is Rs. 5 lakhs, subject to the conditions mentioned in the policy. You can submit the proposal papers to explore this option further.
Rare Alternatives and Insurance Challenges
Unfortunately, obtaining insurance cover for cancer survivors is not a common practice, and the likelihood of getting a good insurance policy is quite low. However, if you have any existing insurance, it is best to continue with it. If that is not possible, the alternative is to rely on the generosity of various NGOs, CM's Relief Fund, and social media fundraising. In certain cases, the Government of India offers CGHS (Central Government Health Scheme) and CHSS (Central Health Subsidy Scheme), which cover all diseases without any monetary limit.
Some companies do offer limited coverage for cancer survivors, such as Star Heath's Cancer Care Gold. This product, however, has restrictions, and the premiums are high. While it may not be the most desirable option, it can be a good choice given the lack of alternatives.
Finally, it's important to remember that the risk of cancer recurrence is quite high, which is why insurance companies are wary of pricing such products. Therefore, careful consideration and thorough research are necessary to make the best decision regarding your health insurance coverage.