HDFC ERGO Health ICAN

All You Need To Know

Features

Essential Variant

A. MyCare Benefit

Standard Plan

All your medical expenses for hospitalization (inpatient and Daycare) and outpatient treatment taken for cancer.

Conventional Treatment

Covers medical expenses for conventional cancer treatments: Chemo therapy, Radiotherapy, Organ transplantation, as part of Cancer treatment, Surgeries for excision of cancerous tissue or removal of organs/ tissues (Onco-surgery)

Pre-Post Hospitalization

Covers expenses incurred 30 days prior and 60 days post hospitalization for cancer treatment.

Emergency Ambulance

Cover expenses incurred on transportation to a Hospital for treatment in case of an Emergency upto Rs.2000 per hospitalization

Follow up care post treatment

Covers expenses incurred on medical examination upto Rs.3000 twice a year, after treatment for Cancer has been discontinued basis recommendation of Medical Practitioner for at least six months with “No evidence of disease (NED)”.

Advanced Plan (available with additional premium)

In addition to coverage under standard plan, you will also be covered for the following Advanced treatments

Proton beam therapy, Immuno therapy including immunology agents e.g. Interferon, TNF etc. , Personalized & Targeted therapy, Hormonal Therapy or Endocrine manipulation, Stem cell transplantation

B. Second Opinion

You will have an option to request for a second opinion, on first diagnosis of Cancer. This would be provided through our panel of medical practitioners who would have access to artificial intelligence, deep analytics & cognitive software.

Enhanced Variant (The following benefits are also available in addition to the Essential Variant benefits)

C. Criti Care Benefit

You get 60% of Sum Insured as lumpsum benefit over and above the base Sum Insured, if the Insured is diagnosed with Cancer of specific severity as id defined in our policy.

This benefit is available for ages 18 years and above and is payable only once in a policy year

D. Family Care Benefit

You get 100% of Sum Insured as lumpsum benefit over and above the base Sum Insured if the Insured gets diagnosed with either of the following, whichever is earlier:

i. Advanced metastatic Cancer (Stage IV)

ii. Recurrence of Cancer

This benefit is available for ages 18 years and above and is payable only once in a policy year

Who can buy this policy

You can buy this policy, if you are between the age of 5 and 65 years.

Sum Insured

5 lac

10 lac

15 lac

20 lac

25 lac

50 lac

Tax Benefit

The premium amount paid by you under this policy will qualify for deduction under Section 80D of the Income Tax Act. Income tax rules are subject to change.

Claims Procedure

Initiate a claim or to know about the process visit HDFC ERGO SelfHelp to initiate/Track a claim.

Connect on HDFC ERGO’s Whatsapp no 8169500500

Call on HDFC ERGO's toll free helpline no. 022 6234 6234 / 0120 6234 6234 and register your claim.

DISCLAIMER

This is only a summary of the product features. The actual benefits available are as described in the policy and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification.

FURTHER QUERIES?

In case of any further queries or to know more about the product you can contact our Customer Care 022-6234-6234 or write to us at care@hdfcergo.com

Commission on General Insurance

FAQs

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.

Why should I buy ICan as I already have regular health insurance which covers cancer too?
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

Does this policy allow cashless benefit?
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.

Can I claim for outpatient treatment in this plan?
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.

What is lump sum payout?
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

What is criticare 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.

What is family care benefit?
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

What is follow up care post-treatment?
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)”.

Do I have to go for a medical check before I buy this policy?
For iCan policy medical checkup is not a mandatory prerequisite, but for individuals above 50 years of age, we may ask for it.

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.

How is the policy premium calculated?
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

What are the variants available for this plan?
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.

Is there any waiting period?
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.

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

What are the exclusions under 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
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.

Can I take my premium back if not satisfied?
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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HDFC ERGO iCan