HDFC ERGO Health ICAN

Lump-sum payout is a fixed cash benefit given to the insured upon the diagnosis of cancer (as per the stage defined in the policy wording). With iCan you can get lump sum fixed cash benefit as:

• CritiCare Benefit
• Family Care Benefit

Anyone between the age of 18 and 65 years can buy this policy.

Under this benefit, we pay 60% of Sum Insured as fixed cash over and above the base Sum Insured, if the Insured is diagnosed with Cancer of specified severity as is defined in our policy.

The policy premiums of the iCan plan dependupon the calculation of risk/probability. Our underwriting team of specialist and doctors calculate the risk on below criterion:

a. Age
b. Sum insured
c. City
d. Lifestyle habits

iCan is the only plan that provides complete protection against Cancer. Your regular health insurance will cover only your hospitalization expenses. But with iCan, you get full protection against cancer inclusive of in-patient, out-patient, and daycare expenses and other benefits like:

• CritiCare Benefit- Lump sum benefit of 60% of sum insured over the base cover if the person is diagnosed with cancer of specified severity
• Family Care Benefit- Lump sum benefit of 100% of the sum insured over the base cover if the insured is diagnosed with Advanced meta-static Cancer and Recurrence of cancer
• Follow up Care post-treatment cover for medical examination twice a year
• Pre-Post Hospitalization cover for 30 days and 60 days respectively
• Emergency Ambulance Care
• Life-Long Indemnity Cover
• Conventional and Advanced Treatments like Chemotherapy, Radiotherapy, Organ transplantation, Onco-surgeries, and others.

Yes, with this plan, you can claim for the outpatient treatment against cancer. Outpatient treatment or OPD expense includes clinic/hospital visits for consultation, diagnosis, and treatment on the advice of a medical practitioner without being admitted.

Cancer is spreading fast in our country with 2.25 million cases, according to Cancerindia.org. Also, India has the lowest survival rate for this disease, with about 7 lakh deaths in 2018 alone.
So it would help if you considered buying a standalone cancer plan along with your regular health insurance.
Our experts suggest that cancer health insurance is essential if:

• Cancer runs in your family history
• Smoking, drinking alcohol or are living/working in a polluted environment
• Insufficient financial backup for expensive treatment of cancer, if diagnosed

The declarations in the proposal form are the basis on which the insurance companies assess the risk, calculate the premium and authenticate claims. To use the benefits and features of your health insurance when you need them, it is recommended that you provide the correct information. Failing to do so, can also lead to rejections at the time of policy issuance or claim posing.

iCan comes with an initial waiting period of 120 days from the date of policy issuance for all claims in the policy. Other than that, there are no waiting periods as such.

Exclusions under the policy may serve many purposes based on risks involved. The list of general exclusions for this plan are as follows:

• Pre-existing conditions for existing symptoms of cancer
• Any Treatment other than for Cancer
• Prosthetic and other devices which are self-detachable /removable without surgery
• Treatment availed outside India or at a healthcare facility which is NOT a Hospital
• HIV/AIDS-related diseases
• Fertility related treatments
• Cosmetic surgeries and related treatments
• Congenital external diseases, defects or anomalies
• Allopathic treatment
• 16.Can I keep renewing this policy Life long?
• Yes, iCan comes with the option of life long renewals regardless of your health status or claims.

For iCan policy medical checkup is not a mandatory prerequisite, but for individuals above 50 years of age, we may ask for it.

Yes, you can avail cashless facility in any our 13,000+ network hospitals all over India.. Just remember to give notice at least 48 hours before any planned treatment or Hospitalization or within 24 hours after the procedure or Hospitalization in the case of emergency.

We will cover expenses incurred on medical examination up to ₹3000, twice a year, after treatment for Cancer has been discontinued, based on recommendations from Medical Practitioner for at least six months with “No evidence of disease (NED)”.

Yes, you can get your premium back in the Freelook period. Here is how:
Right from the date, you receive the policy documents HDFC ERGO offers you a Freelook period of 15 days. In this period, if you change your mind or are unsatisfied with any of the policy terms and conditions, you can choose to cancel your policy.

Under this benefit, we pay 100% of Sum Insured as fixed cash over and above the base Sum Insured if the Insured gets diagnosed with either of the following, whichever is earlier:

• Advanced metastatic Cancer (Stage IV)
• Recurrence of Cancer

There are two variants available for Energy Health Insurance Plan:

1. The Standard Plan that covers medical expenses towards conventional cancer treatments - Chemotherapy, Radiotherapy, Organ transplantation, as part of cancer treatment, and surgeries for excision of cancerous tissue or removal of organs/tissues (Onco-surgery).
2. The Advanced Plan that offers benefits of the standard policy along with additional coverage - Proton treatment, immunotherapy including immunology agents, personalized and targeted therapy, Hormonal therapy or Endocrine manipulation, Stem cell transplantation, bone marrow transplantation.