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Don’t let cancer ruin you physically or financially!

  • Highlights

  • Cancer treatment can drain your savings

  • Check if your policy covers cancer-related costs

  • Choose a customised cancer insurance policy

  • Pay for multiple stages of treatment costs

Studies show that the mortality rate for cancer is facing an overhaul and is ready to reach 17 lakh by 2020. This number is indicative of the progress medicine and science has done over the years bringing in a ray of hope for cancer patients. Insurance providers have also started treating cancer as yet another disease, removing it from the terminal illness category.

In spite of this, the treatment for cancer can be both long-drawn and expensive. While other health covers may also come to your financial assistance, a specific Cancer Insurance policy is a must as it allows you to pay for a range of associated costs right from the diagnosis stage. Here are 3 cancer insurance policies available to you along with the characteristics of each.

Buy a comprehensive health insurance cover

Many insurers offer a health insurance package providing a comprehensive coverage for a host of normal, acute, and critical illnesses. Today these insurers are most likely to include cancer within such health coverage. In this case, you will be covered for a range of cancer treatments and surgeries, chemotherapy, and other day care treatments too. Added to this, your policy may also pay for pre- and post-hospitalisation expenses.

Buy a critical illness cover

A critical illness insurance cover pays you for expenses and treatment costs of a list of critical illnesses, including cancer. However, the final list varies across insurers and most of them do not pay you for all your treatments, hospitalisation costs, and medicine or day treatment expenses. Here, insurers pay you a lump sum amount based on your insured amount, which you can then use to pay for all your illness-related expenses.

Buy a cancer-specific individual insurance cover

Understanding the importance and expensive treatment costs for cancer, many insurers today offer separate cancer insurance covers. These covers, much like the critical illness insurance covers, pay you your insured amount as a lump sum as and when required and offer other benefits.

For example, the Cancer Insurance Policy that you can buy via Bajaj Finserv covers various types of cancer, be it breast or stomach cancer to ovarian and hypopharynx cancer. Additionally, it covers expenses related to diagnoses, medicines, treatment as well as multiple stages of cancer-related costs. In the event that you are diagnosed with cancer, it pays you a lump sum and your premium is waived off if the cancer is detected at an early stage. In case of a major illness, you also get a monthly sum to meet your expenses. In case you do not make a claim during a year, your sum assured also increases. Of course, you can also enjoy tax benefits on the premium that you pay for this policy

Now that you know the benefits of the different cancer insurance policies, keep the following points in mind while finally choosing the best issuer and the most lucrative cancer insurance.
- Buy an insurance plan at a young age to enjoy a higher insured value on lower premiums
- Understand the basic hospitalisation and other cancer-related treatment expenses and then get a substantial cover so that it covers every aspect of your treatment
- Check all policy details in advance and tally insurers and their offers before buying an insurance to stay protected

Keep these points handy and select insurers with caution to give yourself and your loved ones the protection that you need. Choose one of the best Cancer Insurance coverage from trusted companies like Bajaj Finserv to benefit from a comprehensive coverage for a variety of cancers. Get started on your journey of financial security by checking your pre-approved insurance offers from Bajaj Finserv to buy the policy on competitive premiums and added benefits.

Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.”

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