Cancer Insurance

Cancer is a deadly disease that affects you physically and mentally and financially. It may demand all your life savings as cancer treatment is extremely expensive. Specific cancer insurance is beneficial, and you will not have to pay out-of-pocket. For a quote for this policy, we are right here to assist you; fill in your details for your cancer insurance policyCancer is a deadly disease that affects you physically and mentally and financially. It may demand all your life savings as cancer treatment is extremely expensive. Specific cancer insurance plan is beneficial, and you will not have to pay out-of-pocket. For a quote for this policy, we are right here to assist you; fill in your details for your cancer insurance policy.
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What Is a Cancer Insurance Policy?

Health insurance for cancer patients is designed to provide financial assistance if the patient is diagnosed with cancer. Cancer insurance policies are comprehensive policies that take care of all aspects of cancer treatment. This plan includes radiation, hospitalization, surgery, chemotherapy, blood transfusions, nursing care, and prescription drugs.
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Cancer Insurance Policy - Why do you need one?

It can be quite expensive to treat cancer patients and care for them. The financial burden of paying for treatment and hospitalisation can be tremendous in such situations. Cancer insurance is essential due to the physical, emotional, and financial burden that it can have on families. Even the best insurance plans in the market may not be equipped to cover all costs related to cancer, or if they do, there may be criteria for coverage during certain stages. The benefit of having a standalone cancer insurance policy helps mitigate the risk of cancer-related treatment. It keeps you from having to sell your heirloom.

5 reasons to buy Cancer Insurance Policy from Bajaj Finserv Health

  • Expenses


    The plan offers hospitalization expenses
    The insured person gets hospitalization cover for cancer treatment. He or she also receives pre-hospitalization expenses for 30 days and post hospitalization expenses up to 60 days.

  • OPD Doctor Consultation


    Chemotherapy and radiotherapy expenses
    When suffering from cancer, these procedures are part of treatment. Each session can be very expensive and covered within the sum insured.

  • Network Discounts


    Diagnostic Tests
    The insurance policy covers the expenses of diagnostic tests. You can avail such a benefit within the specified pre-hospitalization and during hospitalization.

  • Cashless treatment


    Doctor’s Fees and medications
    The cancer insurance plan also covers the doctor's fees during hospitalization and before and after hospital discharge.

  • Claim Settlement Ratio


    Ambulance charges
    If you are a cancer patient, this policy allows coverage of up to Rs. 2,000 for ambulance expenses.

Features of Cancer Insurance Plan in India

  • Coverage: This policy provides comprehensive coverage for most types of cancer.
  • Flexibility : The amount insured can be increased during the renewal of the policy and you can avail of competitive premium rates.
  • Family coverage: This policy covers your entire family, including children up to 6.
  • 100 % payout: With most cancer insurance plans you will be eligible to avail of the payable benefit once you are diagnosed with cancer

Benefits of Cancer Insurance Plan in India

This insurance plan will provide protection even in old age on renewal. You must be mindful of the renewal date and timely renewal will also give you some discount and ensure continuous protection per the policy's terms and conditions. Also, the policy holder receives certain tax advantage when a cancer insurance policy is purchased. To continue enjoying the tax benefits, one must renew their policy from time to time.
In recent years, India has witnessed a massive growth of cancer cases. Many factors add to the cost of cancer treatment - hospital charges, duration of treatment, recurrence and you must buy a plan keeping all of it in mind. Under cancer insurance policies, a premium waiver benefit is available, for diagnosis at an early stage and some other benefits specific to the insurer.Suppose a policyholder does not make a single claim under their health insurance policy. In that case, they are rewarded with a No-Claim Bonus (NCB). It can be used to obtain premium discounts during insurance renewal.

Doctor consultation fees


Lab tests


Hospitalization expenses cover


Pre-hospitalization cover and more


The Higher your BMI Higher your Chance to get Cancer

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Why just health insurance? Get a complete Cancer Health Insurance package!

What is cancer insurance complete health package?

Cancer insurance package is critical in today's world. Apart from the wide range of benefits, the policy provides enhanced security to your financial condition during medical emergencies. Typically, you must renew your cancer insurance policy every year on the due date. If you miss the date, you will need to buy a new plan, which involves further hassle and delay. One could renew a cancer insurance policy online or offline, depending on their preference.

Benefits of Cancer Insurance Plan Package

Some of the key benefits of cancer insurance policies can be listed as follows:

  • Treatment cost coverage is a major advantage when it comes to cancer insurance. The premium is not extremely high and can be afforded by almost anyone. Cancer treatment costs can go above the roof, so you want to invest in a good insurance policy to cover the medical costs.
  • The cancer insurance policy offers a lump sum amount which can be used for many purposes including day-to-day medical and living expenses.
  • You will have to present the diagnostic reports for cancer and no other medical bills and receipts are asked for by the insurer to check the break up of the expenditure.
  • All cancer insurance policies provide coverage for various stages of cancer. Evn if you are diagnosed at an early stage, you are eligible to receive the insurance benefits. However, some insurers may limit the benefit amount and you should check it before buying the policy.
  • Some cancer insurance policies provide increasing cover rider to enhance the assured amount. The amount increases every year in case of no claim made.
  • Easy and simple claim settlement helps a cancer patient and the family to focus on recovery instead of going through the hassle of claim settlement.
  • You may avail of income tax benefits if you own a cancer insurance policy.


How to choose the right cancer insurance package for you?

Check the sum assured You must first check how much insurance money you receive from your plan. Cancer treatment is very costly, and you will need a plan which offers you maximum benefits. The amount you receive will help you pay off hospital and other medical expenses while relieving your financial burden and mental stress.

Take a look at the policy coverage - There are several cancer insurances plans available in the market, you must make sure that you read the terms and conditions of the policy and you are receiving comprehensive coverage, one in which all types and stages of cancer are included, medical procedures, hospitalization and others. Waiver of premium under certain conditions like early-stage cancer.

Duration of cover - This factor must be considered while choosing a cancer insurance plan. Cancer can be affected at any age, so pick the plan with long-term coverage to avoid buying new plans.

Waiting and Survival Period - The waiting period of your plan must be less; it is the time required for a policy to come into force after buying. The survival period is when the insured person must survive from the time of cancer diagnosis.

Payouts - This is usually different based on the stages of cancer; you must always choose a plan which provides sufficient payout even in minor conditions of the disease.

Premiums -This is something everyone should carefully check while buying insurance. Compare and select a policy that offers high coverage at low premium rates.

Your 6-point Checklist for Selecting the Best Cancer Insurance Plan

  • checklist-icons_ Cover amount

    Sum assured

    Cancer treatment differs from one type to another. The stage of cancer and its type, and the treatment method chosen, treatment costs will vary. A full diagnosis of cancer will probably require you to spend a fortune. A cancer-centric insurance plan with a high sum assured is, therefore recommended.Perhaps this is one of the important factors you should consider when you're out to buy cancer insurance. The cancer health insurance policies you're looking at should ideally come with a sum to cover the rising hospital expenses and the extra-long treatment regimen for cancer.As a result, you will be able to cover your hospital bills smoothly as well as reduce your mental and financial stress. It is never a concern to be over-insured, you just need to ensure that your budget can manage the costs. Therefore, it should be considered when choosing the best cancer insurance plan in India.
  • checklist-icons_No Sub-limit


    Early diagnosis and treatment are crucial in curing cancer. There isn't a way to predict when it will be detected. Consequently, you should choose a plan that offers coverage for all or most stages of various types of cancer. An important factor to consider whether the plan you choose covers all types of cancer. You should be aware that most policies vary in their sum assured amounts based on the stage of a cancer diagnosis.You should read the policy terms and conditions carefully when purchasing health insurance for cancer. Understanding the details of your policy's coverage beforehand is crucial since you don't want to risk having your medical bills not reimbursed by your insurer.You should select a cancer insurance plan that offers as many benefits as possible. A good health insurance plan should cover medical procedures, medications, radiation therapy, chemotherapy, and other treatments. Your chosen critical illness insurance plan should cover hospitalisation costs. It makes sense to choose a cancer care insurance policy that covers various types of cancer and the different stages of the disease since cancer treatments. This is important as cancer treatment is extremely expensive. It is also wise to choose an insurance policy that pays a part of the sum assured amount depending on the cancer stage.
  • checklist-icons_Waiting period

    Waiting period

    It's important to note that a cancer insurance policy in India may have a waiting period. A waiting period clause specifies how long the policy won't take effect until the waiting period has expired. An ideal policy will have a short waiting period. Therefore, you are advised to select a cancer insurance policy with the shortest waiting period. A cancer insurance policy's waiting period depends on the premium you must pay. From the start if the policy, there is usually a waiting period of 180 days to 365 days. The policyholder is not eligible to claim under his/her cancer insurance policy during the initial waiting period.
  • checklist-icons_Waiting period

    Duration of coverage

    The duration of the insurance plan is just as important to consider when searching for the best cancer insurance plan in India. It is mainly because cancer has the potential to strike at any time of life. Having a plan that provides comprehensive coverage over an extended period is crucial. In addition, most cancer treatments lead to a lengthy recovery period and can last for months at a time. So, selecting cancer health insurance policies with long coverage periods is essential. Keeping this in mind, also look for plans that have minimal increases in premiums throughout their duration. As a result, you'll be able to protect yourself completely and minimise the financial implications.
  • checklist-icons_Beyond hospitalization

    Premium waiver and income benefit

    A diagnosis of cancer has a profound effect on an individual's health. Cancer treatment is expensive and can wipe you out. Thus, make sure you have a plan as a financial backup during such times. Suppose your plan includes a premium waiver benefit. In that case, the policy will remain active and provide regular income assistance to the insured's family.Your family's well-being and security is impacted greatly if you are the sole earner in the family. As a result, cancer insurance is an essential part of the family's financial security. If you are diagnosed and have a claim, you may receive a waiver of future premiums and an income benefit. However, these plans usually require a higher premium
  • checklist-icons_Brand Goodwill


    There are usually some exclusions in every health insurance policy, and cancer insurance policies in India are no exception. Often, these plans don't include pre-existing conditions. An STD-caused cancer is usually not supported. Make sure you check this information before choosing a cancer care plan.
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Here are the coverage offered by Bajaj Finserv Health

What's Covered?
What's not Covered?
Lab tests

Minor conditions of cancer

OPD Doctor Consultation

Major stages of cancer

Teleconsultation Benefit

Early stage cancers

Carcinoma-in-situ of any organ (except skin) and cancers of specified severity.

Choose cancer health insurance coverage of your choice
5 lakhhealth insurance
5 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 38000 Rs.
10 lakhhealth insurance
10 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 56000 Rs.

Eligibility Criteria

Minimum waiting period A typical cancer health insurance plan has 160 days waiting period. Once this period is completed, only then an insured can claim benefits.

Survived Cancer : To be eligible for this cover, you or any other member of the family has to have survived the cancer treatment/care at least 7 days from the day diagnosis was made.

Addition of Minors : Minor children can be included in the policy if the cancer health insurance policy covers only one parent.

Eligibility Criteria

  • Waiting period

    Waiting period
    160 days

  • Pre-diabetes check

    Survival after treatment
    At least 7 days survival after cancer treatment

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Don't worry about price, just check it

How to calculate health insurance premium?

  • Personal Details


    Enter your name and mobile number.

  • Family members


    Select the family members whom you want to insure.

  • Age of eldest member


    Enter the eldest member's age

  • Premium Calculated


    Get your premium

10 factors that affect your health insurance premium:

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Health Insurance is a must for any individual or family who are looking to secure their health and financial future. Owing to medical inflation in the recent years, the cost of medical treatment and procedures often drains one’s lifetime savings and acts a burden. However, getting a health insurance means adding a fall-back cushion to safeguard savings as well as get tax benefits.

As you apply for a health insurance plan, the insurance providers do a thorough check/assessment of your health. Basis your health status, they offer a premium amount for the plan.


Your age is a major factor on which the health insurance premium will be decided. Most companies follow this mantra – the higher the age of the insured, the higher the premium to be paid. This is because older people are prone to illnesses. It is advisable to buy a health insurance plan when you are younger to enjoy more benefits and pay a lower premium.


Your occupation or the nature of your work will also determine the health risks you may be exposed to. Given our hectic lifestyles and sedentary jobs, you will be prone to stress, anxiety, etc. which will lead to other health issues. So, for example, if you have a high stress job, your premium will be higher.

Medical history

Medical history plays a vital role too in deciding the premium. If you have a chronic illness, or have suffered from any past major illnesses, or if family history points to any pre-existing illnesses, your health insurance premium will go up.

Copay feature

If you have a co-pay feature in your health insurance plan, then your premium will be lower as a certain percentage of the medical costs will be borne by you and the rest by the insurance provider..


Habits. Yes, your habits matter a lot. For example, if you are a smoker, you are at risk of serious illnesses like cancer. If you drink regularly, you are at risk of chronic diseases. So, your premium will be higher.


Duration of your policy will also affect your premium. If have a longer duration for your policy, you will pay less premium.


Your BMI or Body Mass Index also affects your premium. If your BMI is high, then you are at a higher risk of chronic or lifestyle illnesses. This means you will pay a higher premium.


Location If you stay in locations where food, water, air quality is an issue, it will lead to serious health issues and therefore, your premium will be higher.

plan type

Your plan type affects your premium amount.

Why To Buy Cancer Insurance Online?

You must choose to buy a cancer insurance plan online because it saves you time and money. The process is also much easier than buying insurance offline. Your choice is not influenced by the insurance company, and you do not have to visit the insurance company several times. Furthermore, cancer insurance claim and renewal procedures can also be done online with Bajaj Finserv. It is simple and only a matter of minutes.

How to buy Cancer Insurance from Bajaj Finserv Health

  • Login


    Step 1
    Log on to the website or download the ‘Bajaj Finserv Health’ app on your phone and sign up.

  • Search for Diabetes Insurance


    Step 2
    Search for the Cancer Insurance Plan.

  • Apply Now for Diabetes Health Insurance


    Step 3
    Click on ‘Apply Now’ and enter your basic details.

  • Confirm Application


    Step 4
    Check and confirm application by entering the OTP received on your mobile number.

  • Pay your premium


    Step 5
    Pay the premium via credit/debit card, UPI, mobile wallet, etc.

  • Get Details on Whatsapp


    You will receive the details of your membership via email/WhatsApp.

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Tax savings with Cancer insurance

If you own a cancer insurance plan, you will be allowed for tax deductions of up to Rs. 25,000 under Section 80D. Senior citizens may receive a higher tax benefit with this insurance plan, and it depends upon the insurer you choose.

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You can avail all your health insurance benefits PAN India. Explore our vast network partners.

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An Easy, Hassle-Free And Quick Procedure

How to Claim Your Healthcare Benefits?

We have 98% Claim Settlement Ratio!
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We have 98% Claim Settlement Ratio!
With the Bajaj Finserv Health Insurance plan, you can avail health benefits and hospitalization benefits across the vast Bajaj Finserv network partners PAN India.
Download the Bajaj Finserv Health app or go to and log in to your account.
Go to your health plan and select the benefit you want to redeem or get reimbursed.
Follow the steps and claim your health plan benefits instantly.

How to make cashless claims & reimbursements?

Cashless Claims
Approach Hospital
Approach Network Hospitals
Approach Network Hospitals for complete cashless facility & once details are verified, send the duly filed pre-authorization form to the insurer
Verification of all details
Verification of all details
The insurer will duly verify the details of the pre-authorization request with policy benefits and intimate their decision to the healthcare provider
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One useful tip just for you!

Cancer Insurance plans offer comprehensive insurance related to almost all types of cancer. Some of these plans give a waiver of premium benefit for the specific period of policy duration and you can also increase the sum assured of your plan. Make sure you choose a plan which offers you these benefits.

Myths Busted

Myth #1: Cancer insurance is expensive

Truth: Cancer insurance can save you from the high treatment costs of cancer. If you buy the insurance early in life you will have to pay reasonable monthly premiums and be financially protected in the future.

Myth# 2: If I do not have a family history of cancer, I don’t need to buy cancer insurance.

Truth: Genetics might not be the only reason for developing cancer. Cancer insurance will protect you from this disease and provide financial cover because it is only increasing every year.

Myth #3: Cancer is covered by basic health insurance policy

Truth: Although most health insurance policies cover critical illnesses such as cancer, they have a lower sum assured and a separate cancer insurance is necessary.
Hear It From Our Customers
Female, 23
Shivani Datt
This has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my parents at reasonable pricing. Also, with preventive health check-ups as a part of the plan, it is a very good purchase.
Male, 29
Rahul M
This Health Insurance has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my family at reasonable pricing. Also, with free lab tests and other hospitalization benefits, it is the best product to manage all healthcare expenses.


If your family has a history of critical illness, you should definitely consider purchasing a critical illness insurance plan. As the family breadwinner, it is essential for you to secure critical illness insurance for your entire family.

Insurers offer cancer insurance policies that pay out a lump sum to policyholders if they are afflicted with cancer.

No. Cancer insurance plans offer coverage only when you are diagnosed with the disease. You can buy an adequate health insurance plan to cover other critical ailments and basic health care.

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₹592 x 10 months

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