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Home / Health Insurance / iCan Cancer Insurance Plan
  • Introduction
  • What's included?
  • What's not included?
  • FAQs

iCan- An Essential Cancer Insurance Plan

 

You can’t predict cancer. A Who’s report predicts one in 10 Indians will develop cancer in their lifetime.Given the scenario, getting cancer insurance is a wise choice. iCan Cancer Insurance by HDFC ERGO Health is a plan that never gives up on you.iCan is a lifelong bag of goodies that provides you with health insurance coverage and along with it lump sum benefits to support you in defeating cancer for a win. So, never give up.

Reasons to choose iCan Cancer Health Plan

Life-long Renewals, Even after Claims
Life-long Renewals, Even after Claims
Cancer often recurs but iCan never gives up. You can renew your iCan health plan life-long, for your treatment expenses.
Cancers cover for All Stages
Cancers cover for All Stages
Timely diagnosis and treatment can prevent over 75% of deaths due to cancer, annually. iCan covers all kinds and all stages of cancer.
Cashless Cancer Treatments
Cashless Cancer Treatments
Our 13,000+ network hospitals are spread all over India. So no matter where you are, flash your cashless card and your treatment is on us. Or if you choose a treatment from any other licensed medical facility, you can apply for reimbursement from our app.
Lump-Sum Payout
Lump-Sum Payout
Cancer treatment may burn a hole in your pocket. But, iCan saves you from it. iCan covers your medical treatment costs up to the sum insured and will offer a lump sum amount to pay for other miscellaneous expenses too.
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What is covered in iCan Cancer Insurance Policy ?

My Care Benefit

My Care Benefit

From chemotherapy to stem cell transplantation, iCan offers complete cover for conventional and advanced treatments as well as your in-patientand outpatient treatments costs.

CritiCare Benefits

CritiCare Benefits

Get an additional 60% of the sum insured, as a lump sum payment if cancer is detected of specified severity. So, if you have a ₹20 lakhs cover, you will get an additional 12 lakhs as a lump sum.

Family Care Benefit

Family Care Benefit

iCan takes care of your family too! Get 100% of the sum insured as lump sum payment, on the diagnosis of stage IV cancer, or if the cancer recurs.

Second Opinion

Second Opinion

You can request for a second opinion from our panel of doctors and medical practitioners on your first diagnosis.

Cashless Treatment

Cashless Treatment

Get cashless treatments at any of our 13,000+ network hospitals. You get hassle-free reimbursements in non-network hospitals too.

Pre and Post-Hospitalisation Cover

Pre and Post-Hospitalisation Cover

Get reimbursement for treatments and diagnosis expenses up to 30 days before admission. iCan also offers you followup care of up to 60 days after your hospitalization.

Emergency Ambulance

Emergency Ambulance

You get up to ₹ 2,000 as reimbursement per hospitalization for road ambulance in case of emergency.

Follow-Up Care

Follow-Up Care

Cancer treatments often have side-effects. Follow up care benefit gives you reimbursement up to ₹3,000 twice a year for follow-up care.

Tax Benefits

Tax Benefits

Get tax benefits of up to ₹25,000 under Section 80 D of Income Tax Act.

What is not included in iCan Health Insurance ?

Treatments other than Cancer
Treatments other than Cancer

iCan is a health insurance plan specially designed to cover diagnosis and cancer treatment. Treatment costs for any other disease are not included in this policy.

Pre-existing conditions
Pre-existing conditions

Expenses for treatment, if the policyholder has Pre-existing ailments for cancer, existing signs & symptoms any time before the date on which the policy was issued is excluded.

AIDS/HIV
AIDS/HIV

Medical expenses arising out of HIV/AIDS such as ARC (AIDS Related Complex), Lymphomas in the brain, Kaposi’s sarcoma and tuberculosis remain uncovered under this policy.

Prosthetics and non-surgical devices
Prosthetics and non-surgical devices

Cost of prosthetic and other tools, which are self-detachable/removable without surgery involving anaesthesia Remains uncovered.

Non-allopathic or international treatments
Non-allopathic or international treatments

Non-allopathic treatments or treatments performed outside India or at a healthcare facility which is NOT a registered hospital is excluded

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

First 4 Months from Policy Inception
First 4 Months from Policy Inception

There is a 120-day waiting period, which starts from the start date of the policy.

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Frequently asked questions

1.How is iCan different than any regular health insurance?
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.
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
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.
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.
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
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.
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
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)”.
For iCan policy medical checkup is not a mandatory prerequisite, but for individuals above 50 years of age, we may ask for it.
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.
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
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.
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.
Anyone between the age of 18 and 65 years can buy this policy.
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
Yes, iCan comes with the option of life long renewals regardless of your health status or claims.
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.
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