Health Insurance for Breast Cancer Patients in India

The breast cancer news by Hina Khan shocked everyone. Well, this is quite disturbing, how this disease is affecting the health of many young women. According to a report by The Times of India, every 4 minutes, one woman is diagnosed with breast cancer in India. Moreover, this disease takes a life every 13 minutes. However early diagnosis and supportive health insurance can save many lives. Read this article’s end to learn about the best health insurance plan for breast cancer.

Also FYI,

If you are someone between 25 and 50 years old, you might be in danger!

What is Breast Cancer?

It is a type of cancer that develops from the tissues present in the breast. It occurs when the cells in the breast grow abnormally and spread around in an uncontrolled way. In breast cancer, some cells develop mutations in their DNA. This overall disrupts the normal growth process.

Pov- if you see these signs around your chest, contact the doctor immediately.

• A lump near the breast or armpit.
• Change in the size, shape, or appearance of a breast.
• Nipple discharge.
• Changes in the skin of the breast.
• Pain in the breast.

Treatment Procedure for Breast Cancer

Early diagnosis is the key to getting cured in the case of breast cancer. The doctor can start treatment on time, which commonly includes:

Health Insurance Plans for Breast Cancer

Breast cancer treatment can be very expensive. And it has the power to dig into your savings deeply and leave you with no money. Here are some health insurance plans that can help you save your hard-earned money and get better treatment.

• New India Group Cancer Mediclaim
• New India Cancer Guard Policy
• Raheja QBE Cancer Insurance
• HDFC iCan Cancer
• Care Cancer Mediclaim
• ICICI Pru Cancer Protect

Important Considerations for Choosing a Breast Cancer Health Plan

When choosing a health insurance plan, you need to consider a few things-

• All the critical illness plans give coverage for cancer.
• Check for the in-network doctors along with doctors for breast cancer treatment.
• A standard health insurance plan will give you coverage for hospitalisation and doctors, but cancer treatment costs include a lot more than that. So check for the plan, and how much coverage it gives for cancer treatment. 
• The coverage term should be at least 3 years with affordable premiums.

Things You Must Know about a Health Insurance Plan

Several health insurance companies offer insurance plans to provide coverage for breast cancer. These plans help you financially by covering the cost of the surgery, radiotherapy, hospitalisation, chemotherapy and much more. But there are a few things that you need to keep in mind before getting a health insurance plan for breast cancer.

• Mostly all critical illness plans cover the cost of cancer treatment.
• You can get a critical illness rider on your regular health insurance plan, to get extended coverage for the cancer, if you have a family history of breast cancer.
• You need to serve a waiting period before applying for a claim. This is because all critical illness insurance plan comes with a waiting period of at least 90 days.
• These types of plans also come with a survival period. This means if you are diagnosed with breast cancer, you need to survive for 30 days to make a claim.
• Though a cancer health plan covers the treatment cost for cancer, many other expenses might occur like medical tools and appliances cost, diet plan, travelling costs, etc. So, be ready for some extra out-of-pocket expenses.
• Some cancer health insurance plans also offer annual free preventive health check-up facilities. So, it is suggested to get a plan that gives coverage for health checkups.

Conclusion

Breast cancer is one of the most common diseases in women. Though it is a serious disease and can take life, early detection and proper treatment can significantly improve the chances of complete recovery. A health insurance plan for cancer can help you alleviate the financial burden and allow you to focus on your health. Understand the plan before buying any health insurance for cancer.

To clear your doubts about health insurance plans for breast cancer, you can call PolicyX. We have a team of experts, who can guide you through the best cancer health insurance plans.

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