Why Specialized Cancer Coverage is Essential? | Key Benefits & Protection

🩺 Why Specialized Cancer Coverage is Essential?

Cancer treatment in India costs ₹5-25 lakhs on average, with advanced therapies reaching ₹50 lakh+. Standard health insurance often falls short, making specialized cancer coverage not just beneficial but essential for complete financial and medical protection.

🔹 7 Reasons You Need Dedicated Cancer Insurance

1️⃣ Covers Advanced Treatment Options

• Immunotherapy (Keytruda/Opdivo: ₹1-3L per dose)

• Targeted Therapy (₹50,000-2L/month)

• Proton Beam Therapy (₹25-30L full course)

• Bone Marrow Transplant (₹15-35L)

(Most standard policies exclude or limit these)

2️⃣ No Sub-Limits on Critical Procedures

• Chemotherapy cycles (All covered, no per-session caps)

• Radiation sessions (IMRT/IGRT included)

• Diagnostic tests (PET-CT, genomic testing)

• Reconstructive surgeries (Post-mastectomy)

3️⃣ Lifetime Renewability Guarantee

• Coverage continues even after claims

• No refusal for recurrence cases

• Annual sum insured restoration

4️⃣ Financial Safety Net Beyond Treatment

• Loss of income compensation (20-50% of sum insured)

• Child education benefit

• Travel/accommodation coverage

• Palliative care inclusion

5️⃣ Access to Best Oncology Networks

• Cashless at 200+ specialized centers

• Tata Memorial, Apollo Cancer, MSKCC tie-ups

• Second opinion from global experts

6️⃣ Pre/Post-Hospitalization Coverage

• 180 days pre-diagnosis expenses

• 365 days post-treatment care

• Includes home nursing costs

7️⃣ Psychological & Emotional Support

• Counseling sessions

• Support groups access

• Nutritional guidance

---

📊 Standard vs Specialized Cancer Coverage

---

💡 Real-Life Case Study

Mr. Sharma (42) diagnosed with Stage 3 Lymphoma:

• Standard Plan: Exhausted ₹5L limit in 2 chemo cycles

• Specialized Plan: Covered full ₹25L treatment including:

  • 6 chemo cycles

  • PET-CT scans

  • Rituximab targeted therapy

  • 30 radiation sessions

---

✅ How to Choose the Right Cancer Plan?

1. Sum Insured: Minimum ₹10L (₹25L for metro cities)

2. Waiting Period: Opt for ≤1 year clauses

3. Hospital Network: Check premier cancer centers

4. Survival Period: 0-30 days is best

5. Additional Benefits: Look for income support