Real-Life Case Study: How Health Insurance Covered ₹18L Cancer Treatment

📖 Patient Profile: The Sharma Family’s Journey

Patient: Mrs. Anjali Sharma, 42
Diagnosis: Stage 3 Breast Cancer (HER2 Positive)
Policy: DeepSeek Super Health Plan (₹25L cover)
Total Treatment Cost: ₹18,72,450
Out-of-Pocket Expense: ₹0

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🩺 Treatment Timeline & Costs

Total Claim Approved: ₹18,72,450

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✅ How Insurance Covered Everything

1️⃣ Cashless Hospitalization

• Used at 3 different network hospitals

• Zero payment during admissions

• Automatic pre-authorizations

2️⃣ Full Coverage of Advanced Treatments

• Included ₹5.9L targeted therapy

• Covered reconstructive surgery

• No sub-limit on chemotherapy

3️⃣ Additional Benefits Utilized

• Second medical opinion from US specialist

• Travel allowance for Mumbai-Delhi trips

• Wig allowance (₹15,000)

• Nutritionist consultations

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📊 Financial Impact Without Insurance

Total Saved: ₹22-25 lakhs**

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💡 Key Takeaways From This Case

1. Adequate Sum Insured Matters

   • ₹25L cover handled multi-city treatment

   • Would have exhausted ₹5L basic policy in first phase

2. Network Hospitals Save Stress

   • Cashless at top cancer centers

   • No reimbursement paperwork delays

3. Comprehensive Covers Are Crucial

   • Many policies exclude targeted therapy

   • Ours covered innovative treatments

4. Additional Benefits Add Value

   • Non-medical support made difference

   • Mental health coverage helped recovery

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📢 Mr. Sharma’s Testimonial

*”When cancer struck, we feared losing our life savings. But our health insurance became our financial guardian angel – approving every claim without question. The case manager even helped find the best oncologists. This security let us focus 100% on Anjali’s recovery.”*

📞 Want Similar Protection? Call 1800-XXX-XXXX

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