iCan – A Cancer Specific Plan

What is Cancer?

Cancer is the uncontrolled growth of abnormal cells anywhere

in a body. These abnormal cells are termed cancer cells,
malignant cells.
What causes cancer?
 Inherited genetic defects
 Infections
 Environmental factors
 Lifestyle choices-like smoking, alcohol use

General signs and symptoms of Cancer

 Fatigue
 Lump or area of thickening that can be felt under the skin
 Weight changes, including unintended loss or gain
 Skin changes, such as yellowing, darkening or redness of the
skin, sores that won't heal, or changes to existing moles
 Changes in bowel or bladder habits
 Persistent cough or trouble breathing
 Difficulty swallowing
 Hoarseness
 Persistent, unexplained fevers, muscle or joint pain, bleeding
or bruising
India’s Cancer Story
 Is Cancer not covered in regular Health Insurance plans?

Regular health insurance plans, do cover hospitalization charges

for cancer. But cancer treatments can cost anywhere between
10-25 lac and only goes upward for advanced treatments

Health plans with such high Sum Insured can burn a big hole in
the pocket, thus leaving the majority of the population
underinsured against diseases like Cancer

What about the CI Plans?

Yes, Cancer is covered under CI plans but only at advanced stages
where a lump-sum payment is made.

And, since CI Plans cover multiple CI`s over and above Cancer,
the plans are considerably expensive.

CI plans would only pay a lump-sum payment once, and the Cancer treatments can take upto years, and the costs are
policy would cease, whereas cancer treatment takes upto years. constantly rising
Why a cancer specific cover is needed?

The treatments for cancer are long and tough. It’s a fight till the last cancerous cell is eliminated.
The treatments affect you physically and mentally, affects your income and further your ability to support
your family.

What you need is a partner who would….

Supports you as long as you need

Takes care of you and your family

Stick to you till conquer the battle

Plan Structure

Plan Variant -
Enhance (indemnity + lumpsum) – Advanced
Available on individual sum insured basis

Sum insured-
5 Lacs, 10 lacs, 15 lacs, 20 lacs, 25 lacs & 50 lacs

Entry Age – 5-65 years

Maximum entry age for child dependent: 17years
Lumpsum benefit is only available for adult dependents
(age>17 years)

Differentiated Premium for

• Smokers & Non Smokers
• Males & Females
Plan Structure

Waiting Periods –
120 days waiting period from policy commencement for all
claims

Policy Period-
One year

Medical Grid 18 – 45 Years 46 – 55 years Greater than 55 Years

Less than 25,00,000 SFQ SFQ + Tele SFQ + Tele

INR underwriting underwriting + MER

25,00,000 INR and SFQ + Tele SFQ + Tele SFQ + Tele

above Underwriting underwriting + underwriting + MER
MER
 Benefits of the Plan

iCAN Plan
1st 120 Days Waiting

Indemnity Benefit Lumpsum Benefit

100% SI available Every Year Total 160% SI available One Time

LIFELONG Conventional
Criticare Benefit – 60% Familycare Benefit – 100%
RENEWAL Treatment

Stage 1 After 365 Days of CB Benefit

Advance
Stage 2 Or 60% Stage 4 Or Reoccurrence Stage 4 100%
Treatment
Stage 3 100%

Within 365 Days of CB Benefit

Stage 4 Or Reoccurrence
40%
Life-long Indemnity Cover

Conventional therapies Advanced therapies

• Proton beam therapy
• Chemotherapy
• Immunotherapy including
• Radiotherapy
immunology agents e.g.
• Organ transplantation,
Interferon, TNF etc.
as part of Cancer treatment
• Personalised & Targeted therapy
• Surgeries for excision of
• Hormonal Therapy or Endocrine
cancerous tissue or removal
manipulation
of organs/ tissues (Onco-
• Stem cell transplantation
surgery)
Income Support

CritiCare Benefit

We know that the treatments for cancer are debilitating, and affects your capability to earn

Thus, in addition to hospitalization costs for treatments, we would also pay 60% of your Sum
Insured as a lump sum payment on diagnosis of Cancer

This would be over and above your base Sum Insured, and the cove is available for adults only (>17years)
 Family Support

FamilyCare Benefit

In Advances stages of cancer, the treatments becomes harder, longer and leaves you more fragile. What
you need most at such times is the support of you family.

You can leave your worries with us.

Fight the battle while we take care of your loved ones.
We take care of your family while your family takes care of you.

Cancer can make u feel defeated,

iCan pays 100% of Sum Insured as lump sum payment on diagnosis of Advanced stages or Recurrence of
cancer

This would be over and above your base Sum Insured, and the cove is available for adults only (>17years)
 Major Exclusions

• Any Treatment other than for Cancer.

• Pre-existing condition for cancer for which insured had existing signs & symptoms, and/or was diagnosed, and/ or received consultation,
investigation, treatment or admission anytime prior to the date on which the policy was issued.
• “AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human Immunodeficiency Virus) including but not limited to
conditions related to or arising out of HIV/AIDS such as ARC (AIDS Related Complex), Lymphomas in brain, Kaposi’s sarcoma, tuberculosis.
• Non Allopathic treatment
• Prosthetic and other devices which are self-detachable /removable without surgery involving anaesthesia
• Treatment availed outside India or at a healthcare facility which is NOT a Hospital
• Congenital external diseases, defects or anomalies

This is only a summary of the exclusions, for the complete list of exclusions please refer policy wordings

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Upfront Rejections

1. COPD
2. All Cancers, carcinoids, Sarcomas, Lymphomas, Leukemia, Myelomas
3. All pre-cancerous conditions
a. Barret’s Esophagus
b. Leukoplakia/Erythroplakia
c. Sub mucosal fibrosis
d. Lichen planus
e. Dysplasias/Metaplasias
f. Actinic Keratosis
g. Atrophic Gastritis
h. Chronic Gastritis
i. Polyposis
4. Brain Tumors
5. Germ Cell Tumor
6. HIV/AIDS
7. Aplastic Anemia
8. Polycythemia Vera
9. Hepatitis B
10. Hepatitis C

Note: The above list is enumerative not exhaustive

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Premium Chart – Enhance Variant

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Thank You