Benefits of health insurance for breast cancer
Comprehensive breast cancer insurance offers several benefits, including:
- Financial security: The foremost benefit of breast cancer health insurance is the financial security it provides. A breast cancer diagnosis often entails significant medical expenses, and having insurance coverage ensures that the financial burden does not compromise the quality of care or the patient's peace of mind.
- Comprehensive coverage: Breast cancer insurance offers comprehensive coverage for various aspects of treatment, including surgery, chemotherapy, radiation therapy, and medication. This ensures that the policyholder can focus on recovery without worrying about the financial implications of each step in the treatment journey.
- Lump sum payout: Many breast cancer insurance policies provide a lump sum payout upon diagnosis. This lump sum can be used at the policyholder's discretion, whether for medical expenses, ongoing treatment, or non-medical costs like household bills.
- Coverage for post-treatment care: Some breast cancer insurance plans extend coverage beyond the active treatment phase, addressing the need for post-treatment care, follow-up visits, and potential complications that may arise.
Inclusions under breast cancer health insurance
Understanding what is covered under breast cancer health insurance is crucial for making informed decisions. Inclusions typically encompass the following:
- Diagnostic tests: Coverage for diagnostic tests, including mammograms, biopsies, and other tests necessary for the diagnosis of breast cancer.
- Surgery costs: Expenses related to surgical procedures, such as mastectomy or lumpectomy, are generally covered under breast cancer health insurance.
- Chemotherapy and radiation therapy: The costs associated with chemotherapy and radiation therapy, essential components of breast cancer treatment, are usually included in the coverage.
- Medication costs: Breast cancer health insurance often covers the costs of medications prescribed during the treatment and recovery phases.
- Post-treatment follow-up: Some policies extend coverage to post-treatment care, including follow-up visits, imaging tests, and consultations.
You can also check the details of Cancer Secure, a pocket-friendly plan offering coverage for cancer treatment.
Exclusions under breast cancer health insurance
While breast cancer health insurance provides comprehensive coverage, it is essential to be aware of exclusions that may vary from one policy to another. Common exclusions include:
- Pre-existing conditions: Some policies may exclude coverage for pre-existing breast conditions or cancers that were diagnosed before the inception of the policy.
- Non-disclosure of information: Failure to disclose relevant medical information during the application process may lead to the exclusion of certain claims.
- Experimental treatments: Experimental or investigational treatments that have not been widely accepted in the medical community may be excluded from coverage.
- Early-stage cancer: Certain policies may not cover early-stage breast cancer, focusing primarily on advanced or invasive stages.
How to buy a breast cancer cover?
To buy breast cancer health insurance, take the following steps:
- Research: Research various health insurance policies available in the market and compare their features, benefits, and premium rates.
- Opt for comprehensive coverage: Choose a policy that offers comprehensive coverage and has inclusions relevant to breast cancer treatment.
- Evaluate exclusions: Evaluate the exclusions and understand what is not covered under the policy.
- Check durations and waiting periods: Check the duration of the policy, the waiting period, and policy renewal options before buying.
- Review premiums: Review the premiums that the insurance provider charges for the policy. While affordability is important, do not compromise on the quality of the policy.
You can also buy a health insurance policy on the Bajaj Finance Insurance Mall. Given below are the steps to buy health insurance offered through Bajaj Finance in partnership with leading insurance providers:
Step 1: Click the link to access our online application form.
Step 2: Complete the form with essential details, including name, gender, mobile number, date of birth, and residential PIN code.
Step 3: Click 'Get Quote' to proceed.
Step 4: Choose your preferred Health Insurance plan from the displayed list by clicking 'Buy Now.' Customise the insured amount, policy term, and plan type as needed.
Step 5: Depending on your selected plan, you may have the option to choose the health policy term and premium amount.
Step 6: Enter your email ID and verify the accuracy of personal details. Click 'Next' to proceed.
Step 7: Provide additional details like height, weight, nationality, marital status, address, and nominee details (if applicable).
Step 8: Answer health and lifestyle questions by selecting the relevant checkboxes. Click 'Next' to proceed.
Step 9: Verify filled details and click 'Proceed' to visit the payment page.
Step 10: Complete the purchase by making payment through net banking, UPI, debit, or credit card to acquire the policy.
Breast cancer health insurance can provide financial support and comprehensive access to medical treatment when diagnosed with breast cancer. It is essential to research and evaluate various policy options, review the inclusions and exclusions, and ensure that the policy meets your needs.
