(iStock)
(iStock)

Most critical illness plans cover cancer

  • It is easier to have a top-up plan issued compared to standard mediclaim
  • Health insurance claims can be split across multiple insurers

I was diagnosed with urinary bladder cancer in 2010 and the tumour was removed. Now I get a check-up done every six months and am doing fine. But my insurer is neither giving me a fresh plan nor increasing my sum insured from the present 2 lakh. How should I enhance my cover, with or without the cancer plan? Will going to other insurers help?

—R.N. Verma

It is difficult to get standard health insurance after someone is diagnosed or treated for a major illness such as cancer. Instead of a standard health plan, opt for a top-up health insurance with a deductible of 5 lakh. In such a plan, a claim pertaining to the first 5 lakh will not be admissible. The amount in excess of 5 lakh will be payable. This will ensure that any other major illness diagnosed in the future is insured. A top-up plan will cover all hospitalization claims, including cancer. It is easier to have a top-up plan issued compared to standard mediclaim. You could also apply for a critical illness plan that give a lump sum in case you are diagnosed for any of the specified illnesses. Most critical illness plans cover cancer, and often exclude pre-existing ailments. You could apply for a sum assured of 10 lakh. A low sum assured will increase the chances of issuance. There are a few cancer-specific critical illness plans as well. The likelihood of issuance is higher for cancer plans. Cancer-specific plans cover early-stage cancer as well, which is excluded in a critical illness plan.

It is not important for you to buy insurance from the same insurers. Health insurance claims can be split across multiple insurers. So, even if another insurer provides you coverage, it will work equally well for you. Larger insurers have more flexibility in underwriting such cases.

Abhishek Bondia is principal officer and MD, SecureNow.in.

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