Most types of cancer, if detected early, can be treated effectively. Today, there are thousands of people all over the world who have had cancer and have been cured. They now lead normal lives. Should cancer be detected, this Cancer Insurance Policy provides substantial financial support so that you can be adequately treated in time, allowing you not only to lead a normal life after cancer but one with lesser worries. This Cancer Insurance Policy relieves you of the crippling costs of curing cancer.
Please note that the policy does not cover any known pre-existing cancer.
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The high incidence of cancer means that you or someone in your family may develop cancer at some point. And while your health insurance policy may cover a portion of physician, hospital, cancer therapy or prescription drug bills, it probably doesn’t cover them all and/or in full.
This insurance is recommended due to the devastating nature of the disease on families, the huge medical costs involved in treatment and the increasing rates of both incidents of the disease and survival rates with proper treatment.
You may not need cancer insurance, but you might want to consider this supplemental coverage. You should think about purchasing cancer insurance if:
Yes, you can purchase this Policy with any other existing health policy. Cancer insurance is designed to help supplement any medical coverage you currently have.Move to top
All individuals in the age group of 1 day to 70 years can opt for this insurance cover with Raheja QBE. For policies continued without any break there will be no exit ageMove to top
Sum Insured options starting from Rs.1 Lakh and in multiples thereof subject to a maximum of Rs. 10 Lakhs are available under this policy.Move to top
All proposers less than 50 years of age will be accepted for this insurance cover on the basis of the self-declaration provided in the proposal form.
All proposers above the age of 50 years will be accepted for coverage after medical examination.
Medical examinations required will be:
|Men||Clinical Examination, Prostate Specific Antigen Test, Stool examination -occult blood, Complete blood count, chest X-ray, Ultrasound of upper abdomen|
|Women||Clinical Examination, CBC, Chest X-Ray, PAP Smear, Mammogram, Stool examination- occult blood, Complete blood count, Ultra sound of Pelvis|
50% of actual expenses for pre-policy medical examination will be paid by Raheja QBE and the remaining amount will be borne by the proposer.Move to top
No, the cover does not change as per the age groups.Move to top
For detail list of exclusions please refer the policy wordingsMove to top
Yes. If the claim is admissible the payment will be made to you in Indian Rupees.Move to top
No, the membership card is not required for this Cancer Insurance Policy.Move to top
This Policy is ordinarily renewable unless you or anyone acting on your behalf has acted in an improper, dishonest or fraudulent manner or there has been any misrepresentation under or in relation to this Policy or the renewal of the Policy poses a moral hazard.
The Policy will not be renewed for an Insured once a claim in is admitted under this Policy.Move to top
You need to inform Raheja QBE and submit the claim form , certificate from the specialist confirming diagnosis of cancer and investigation reports. Additional documents may be called for if any further information is required.Move to top
The benefit amount is payable once the disease is diagnosed and this requires diagnostic investigation or treatment by a duly qualified medical practitioner or surgeon, we will pay you 50% of the Sum Insured or Rs. 250,000.00 whichever is less, as a lump sum amount.
The balance Sum Insured will be reimbursed to you on submission of bills for reasonable and necessary medical expenses actually incurred by you in the diagnostic investigation or medical treatment of Cancer.Move to top
You will receive a cumulative bonus in terms of increase in your Sum Insured by 5% for the immediately following Period of Insurance provided that the cumulative bonus over all Periods of Insurance shall not exceed 25%Move to top
Premium paid is exempt under IT section 80D.Move to top
The claim form can be obtained from our local office or can be downloaded from our website www. rahejaqbe.comMove to top
The information given above is indicative in nature; please refer the policy wordings/brochure for details.