Cancer treatment rests on three pillars Surgery, Chemotherapy and Radiation, all of these carry high cost. The minimum cancer treatment cost in India is Rs. 5,00,000 it starts from Rs. 90,000 but there are some cancer hospitals in India where you haven’t to pay that much. Apart from this there are some Govt. schemes, Medical Insurance and NGO’s in India which are helping in reducing the treatment charges of cancer patients.
Best cancer hospitals in India for free treatment:
- Tata Memorial Hospital, Mumbai
- Regional Cancer Center, Thiruvananthapuram, Kerala.
- The Cancer Institute, Adyar Chennai.
- Kidwai Memorial Institute of Oncology, Bangalore.
The total treatment cost in these hospitals is not more than 50,000 including all charges.
1. Tata Memorial Hospital, Mumbai
This hospital is located in Parel Mumbai, which was established on 28 February 1941 by Sir Dorabji Tata Trust as the cancer research center, which was converted into the Tata Memorial Hospital in 1957 and was administered by the ministry of health. Tata Memorial Hospital is the main center for advanced cancer treatment and it is providing best and free treatment to its 70% patients. Here advanced technology machines have been used for chemotherapy and radiology, with which you can get Ultrasound, CT Scans, MRI, Memography and medicines free of cost.
Address: Dr. E Borges Road, Parel, Mumbai – 400012, India. Website: www.tmc.gov.in Contact details: 91-22-24177000, 24177300, 24161413.
2. Regional Cancer Center, Thiruvananthapuram
This hospital is located in Thiruvananthapuram, which was established in 1981 by the Government of Kerala and India. Here treatment is given with modern techniques and free treatment is provided. You will also get medicines for free.
Address: Medical College Campus Thiruvananthapuram, Kerala 695011, India. Website: http://rcctvm.gov.in Contact details: 91- 471 – 2442541, Patient Welfare Services: 91 – 471 – 2522272.
3. The Cancer Institute, Adyar, Chennai
This hospital was established in 1954 by Dr. Muthulakshmi Reddy, who was India’s first medical graduate woman. For the last 50 years, free cancer treatment is being provided to poor patients here. Here you will get free cancer treatment. Website: https://cancerinstitutewia.in/
Address: Cancer Institute (WIA), Sardar Patel Road, Adyar, Chennai – 600020 Contact: 044 – 22209150/ 044 – 24437300
4. Kidwai Memorial Institute of Oncology, Bangalore
The Kidwai Memorial Institute is named after Rafi Ahmed Kidwai, the Indian independence activist and governor of Mumbai. 20 acres of campus land and Rs 1,00,000 for their cancer treatment. This hospital is equipped with sophisticated machines and modern infrastructure. This was established by the Indian government. Here below poverty line families are provided free of cost treatment. You will also get these medicines at 60% cheaper rate than the market rate.
Address: Dr. MH Marigowda Road, Hosur Road, Bangalore – 560029, Next to Nimhans, India. Website: www.Kmio.org / http://kmio.org/ Contact details: 091 – 080 – 26094000
5. Tata Memorial Hospital, Kolkata
This is the Kolkata branch of Tata Memorial Hospital, here also free cancer treatment and free medicines are provided. Before going here, you must take an appointment by calling (033)- 6605- 7222, if you go without an appointment, you may have to wait for a long time.
Address: 14 MAR (E – W), New Town, Rajarhat, Kolkata 700160 West Bengal, India. Website: www.tmckolkata.com Contact details: 91-33-66057000 Appointment: 91-33-66057222.
Mostly people think that all these hospitals are very expensive. Let me explain, if a family is unable to bear the actual cost of cancer treatment, then in order to provide financial help to those families, all these hospitals have divided the patients into different categories and sub-categories on the basis of their family income.
Most of the hospitals have divided patients into two main categories –
1. Private Patient
2. General Patient.
There are also sub-categories in the above categories –
1. Private patient
2. General Patient (A, B, C, D, E and so on)
Private Patients:
The category of private patients includes those patients who can afford expensive cancer treatment. Apart from cancer treatment charges, some luxurious facilities are also provided to private patients. No expense deduction of any kind is allowed to private patients. However, all facilities will be provided by the hospital for comfort such as: luxury hotels for staying, separate room for patient in hospital, shopping mall, food court and so on. Apart from this the treatment process is slightly faster in comparison with general patients.
General Patients:
The general patient category is for those who belongs to middle class or lower middle class families and unable to bear treatment expenses. General patients are also divided into sub categories on the basis of their family income and according to their sub category they get help to reducing the treatment charges. Apart from this, the Indian government has also run many health schemes by which general patients can get treatment without paying any fees through these health schemes. There is a separate help desk in all these hospitals you can talk to them, you will have to provide family income proof, only then you will get financial help.
So in all these hospitals you will get good treatment, if you can afford expensive treatment, you will get the treatment here and if you can’t afford expensive treatment or you need financial help for treatment, still you will get good and free treatment for cancer in India.
Financial Cover for SC/ST and Lower middle class families:
Government Health Schemes
Government health schemes have started by Indian Government these are health insurance which is fully finance by the government. It provides financial cover of full medical treatment across public and private empanelled hospitals in India. These schemes are mostly for specific categories only SC/ST, Lower Income Group, or EWS.. You can check your eligibility through the ‘Am I Eligible’ feature on the official website of Government Health Schemes. There are certain conditions in the schemes according to which it is classified mostly on the basis of housing shortage, income and other deprivations.
Here are the details of some government health schemes using which you do not need to pay a single penny for your medical treatment. With the benefit of these schemes, you can get complete treatment free of cost.
- Ayushman Bharat
Ayushman Bharat is the world’s largest health scheme among all the schemes of the Indian Government. The aim of this scheme is to help SC/ST, Lower Income Group, or EWS sector by providing them yearly health cover of up to Rs.5 Lakh per family. The second name of Ayushman Bharat is the Pradhan Mantri Jan Arogya Yojana or PM-JAY as it is popularly known. This scheme was launched on 23rd September, 2018 in Ranchi, Jharkhand by the Hon’ble Prime Minister of India, Shri Narendra Modi.
Beneficiary can get cashless treatment from any public or private hospital in India by the help of Ayushman Bharat Card.
There are few eligibility criteria to apply in this, like:
- Candidates belong to the below-poverty-line (BPL) category or have low-income levels.
- Candidates have to be below Rs 2.4 lakh annual income.
- Eligibility is primarily based on the Socio-Economic Caste Census (SECC) Database.
- The candidate’s family does not have any income above 16 years of Age.
- Candidates must belong to the SC or ST category.
- The candidate who does not have permanent residence.
Eligibility is primarily based on the Socio-Economic Caste Census. You can check your eligibility by selecting ‘Am I Eligible’ feature of its official website. So, if you fall in the above mentioned criteria then you can apply for Ayushman Bharat Card. To apply for Ayushman Bharat Card you need to follow below steps:
- Firstly, you have to visit at its official website (https://pmjay.gov.in/).
- Go to ‘Am I Eligible’ option to check whether you are eligible for this scheme or not.
- Find the nearest Common Service Center (CSC) at your pincode.
- Now, you have to visit the Common Service Center with all the required documents (Aadhar Card, Ration Card, 2 Pass port-size photo, Income certificate, Caste certificate. The CSC operator will verify your details and submit your application.
- After successful registration, you will receive the Ayushman Bharat Cases with a unique identification number which is called the UHID number.
- Now you can use this card for your free treatment at a government-specified hospital or clinic
After successful registration, you can download your Ayushman card online. Follow below steps to download your Ayushman card online.
- Visit the official website of Ayushman Bharat PMJAY (https://pmjay.gov.in/).
- Click on the Download E-Card section. It is available on the homepage or under the “Beneficiary Corner” section.
- Enter your Aadhar Number, Mobile Number or other required details.
- For authentication, enter the OTP received on your registered mobile number.
- After verification. you will be able to download your Ayushman Bharat Card in digital format. Download it or print it
- Keep a printout with you when you visit the hospital for free treatment or save an E-card in your phone for future use.
It’s a very good health scheme of Indian Government, this provides reduction in medical charges in all hospitals of India. So, if you comes under the eligibility criteria of this scheme please check your eligibility and apply for this.
2. Mahatma Jyotiba Phule Jan Arogya Yojana
Mahatma Jyotiba Phule Jan Arogya Yojana is a healthcare scheme of Maharashtra Government for poor sector of Maharashtra state. This scheme is also for below poverty line people of the state of Maharashtra as per the eligibility criteria, its previously known as Rajiv Gandhi Jeevandayee Arogya Yojana. This scheme was launched in 21st November 2013 in all 35 districts of the Maharashtra. It provides medical Insurance of up to Rs 150,000 per year or whole family can get free medical access costing up to Rs.150,000 in one year in government empanelled 488 hospitals for 971 types of diseases including brain, heart, kidney and cancer.
This scheme also has some eligibility criteria, like:
- The annual income of the applicant should be less than Rs.1 lakh.
- He should have Antyodaya Card and Annapurna Card and Yellow and Orange Ration Card, only then he can apply for this medical insurance.
- The scheme does not cover Above Poverty Line families which holds white ration card.
- Data from valid card coupled with Aadhar card is used to issue ‘Rajiv Gandhi Jeevandayee Arogya Yojana Health Card’ to the beneficiary family which bears names, ages and photos of family members.
- Until this health card is issued, valid ration card and Aadhar card can be used to gain access to free medical care under this scheme.
How to register for Mahatma Jyotiba Phule Jan Arogya Yojana
- Open the official website of MJPJAY.
- Click on “New Registration” on the Home Page of official website.
- In next page you have to fill the online application form of Mahatma Jyotiba Phule Jan Arogya Yojana.
- Fill in all the mandatory fields with accurate details.
- Attach scanned copies of the required mandatory documents.
- Click on “Submit” option.
- Once you have submitted the form you will be successfully registered under this insurance scheme. After this, you can easily raise a claim anytime when you need medical treatment. .
Here are the steps to raise a claim for the Mahatma Jyotiba Phule Jan Arogya Yojana health scheme.
- Visit the nearest hospital for treatment.
- The hospital authorities will send a digital pre-authorisation request to the insurance company.
- Upon approval, the treatment procedure will started. In case of emergencies, this procedure is instant and is not delayed by e-authorisation requirements.
- If the diagnosis does not take place in the hospital, then the Arogyamitra will issue a referral card.
- You need to show this card at the hospital to avail of cashless treatment.
Both these insurance schemes are very useful for those who have met the eligibility criteria of these government health schemes, with the benefit of this you do not need to pay even a single penny for the treatment.
Financial Cover for Middle class and Upper middle class families
Health Insurance Policies and NGOs can help middle class and upper middle class families to reduce the expenses of cancer treatment. Here I have mentioned some Government and private health schemes which can help in reducing the cost of cancer treatment, even you can get the entire treatment free.
- Government Health Scheme for all Central Government Employees
- CGHS [ Central Government Health Scheme ]
Central Government Health Scheme (CGHS) gives healthcare facilities to registered employees and pensioners of the Central Government of India. The scheme was introduced in the year 1954 for Central Government employees and pensioners. It provides health insurance cover through which beneficiaries can avail medical treatments free of cost or at reasonable rates. This scheme is specifically for Central Government employees and pensioners, it provides medical expense coverage up to Rs. 5 Lakhs. Currently, CGHS facility is available in 80 cities.
Cities list is given below: Agra, Agartala, Ahmedabad, Aizawl, Ajmer, Aligarh, Allahabad (Prayagraj), Ambala, Amritsar, Baghpat, Bengaluru, Bareilly, Berhampur, Bhopal, Bhubaneshwar , Chanderpuri, Chandigarh, Chhatrapati Sambhaji Nagar, Chennai, Chhapra, Coimbatore, Cuttack, Darbhanga, Dhanbad, Dehradun, Delhi & NCR: Delhi, Faridabad, Ghaziabad, Greater Noida, Noida, Gurgaon, Indirapuram, Sahibabad, Dibrugarh, Gandhinagar, Gangtok, Gaya, Gorakhpur, Guwahati, Guntur, Gwalior, Hyderabad, Imphal, Indore, Jabalpur, Jaipur, Jalandhar, Jammu, Jodhpur, Kannur, Kanpur, Kohima, Kolkata, Kochi, Kota, Kozhikode, Lucknow, Meerut, Moradabad, Mumbai, Muzaffarpur, Mysuru, Nagpur, Nashik, Nellore, Panaji, Patna, Panchkula, Puducherry, Pune, Raipur, Ranchi, Rajahmundry, Saharanpur, Shillong, Shimla, Silchar, Siliguri, Sonipat, Srinagar, Thiruvananthapuram, Tiruchirapalli (Trichy), Tirunelveli, Vadodara, Varanasi (Banaras), Vijayawada, Vishakhapatnam.
There are few eligibility parameters set by the Central Government to register in this health scheme. These eligibility criteria are like this:
- All Central Government employees paid from the Central Civil Estimates (except Railways and Delhi Administration), including their families are eligible for this scheme.
- Pensioners of Central Government (except pensioners belonging to Railways and the Armed Forces) and their families.
- Central Government Pensioners retiring with Contributory Provident Fund benefits and their families.
- Widows of Central Government pensioners, in receipt of family pension.
- Delhi Police personnel and their families, in Delhi only.
- Railway Board employees are eligible.
- Civilian employees of Defence paid from Defence Service Estimates (except in Mumbai where the scheme is in operation).
- Child drawing pension on death of a Central Government employee including minor brothers and sisters of such child.
- Ex-Governors and Lt. Governors and their families.
- Ex-Vice Presidents and their families.
- Central Government servants who are deputed to semi-government and autonomous bodies receiving substantial grant from, or financed by the Central Government.
- Central Govt. employees on deputation to statutory/autonomous during the period of deputation.
- Military Officers while on deputation to civil departments and getting their emoluments from Central Civil Estimates.
- Families of Governments servants transferred to a non-CGHS area, for a maximum period of six months on deposit of CGHS contribution (for the period of 6 months) in advance.
- Families of IAS Officers on North-Eastern Cadre, who continue to stay back in Delhi even after repatriation of the IAS Officer to the North Eastern Cadre, provided that they continue to occupy Government accommodation in Delhi/New Delhi, on deposit of CGHS contribution in advance (one to three years). The same also applies to families of IAS Officers of J&K Cadre.
- Parliamentary Secretaries of the Central Government and their families.
- Members of Parliament and their families.
- Ex-Members of Parliament.
- Sitting Judges of Supreme Court and High Court of Delhi and former Judges of Supreme Court and High Courts.
- Work Charged and Industrial Staff working in establishments run by various Ministries/Departments of Central Government, immediately from the date of their joining the service.
- Employees of Kendriya Vidyalays Sangathan stationed at Delhi & NCR, Kolkata, Chennai, Hyderabad, Mumbai and Bengaluru.
- Employees of Ordnance Factory Board Headquarters, Kolkata and Ordnance Equipment Factories Headquarters, Kanpur.
- All India Service pensioners who retire while serving under the State at their option.
- Freedom Fighters and members of their family receiving Central Pension under the Swatantrata Sainik Samman Pension Scheme.
- Family members of the Deceased Ex-Members of Parliament.
- Pensioners of Ordnance factories.
- Members of Staff Side of the National Council of the Joint consultative Machinery, even though not serving as Central Government employees.
- Persons employed in semi-government and autonomous bodies who are permitted to join the CGHS Scheme.
- An Accredited Journalist who produces a certificate from the Press Council of India stating that he is a member of the Press Association, New Delhi (for OPD and at RML Hospital).
- Retired Divisional Accountants of the Indian Audit and Accounts Department and those whose pay and pension are entirely borne by the State governments.
- PSU absorbees who had commuted 100% of their pension and have been restored 1/3rd portion of their pension after 15 years.
- Employees of Statutory Bodies/Autonomous Bodies of Central Govt. (including those who proceeded on deputation initially or were on deemed deputation and then absorbed), who are in receipt of Central Civil Pension.
- Serving and retired Railway Audit Staff.
- Retired Divisional Accounts Officers and Divisional Accountants of the Office of Comptroller and Auditor General of India.
- CISF personnel (and their families) and CAPF (Central Armed Police Forces) personnel posted in CGHS cities.
- Employees of Supreme Court Legal Services Committee Employees of India Pharmacopoeia Commission, and their families.
- Family and dependent members of a Central Govt. employee (a CGHS beneficiary) who stay back in CGHS covered area after posting of the employee to N.E. region (including Sikkim), Andaman & Nicobar Lakshadweep or Ladakh region and CAPF personnel posted in Left Wing Extremist areas, on payment of annual CGHS contribution in advance.
- Defence Industrial Employees of Naval Dockyard Central Ordnance Depot and AFMSD, in Mumbai.
How to get a CGHS Card
Here are the steps to apply for CGHS Card:
- First, you have to visit at the official website of CGHS cghs.nic.in
- Click on “Apply CGHS card”.
- Then you have to verify your mobile number.
- After verifying the mobile number, the application form will open, in which you have to fill all the details correctly and then click on the save and proceed button.
- After this your acknowledgement number will be generated, then you will get the option to add family members.
- Now, you have to upload all required documents and click on submit button.
- Then download the print of application form.
By following these steps you can easily apply for CGHS plastic card. After online submission of the application, the applicant is required to take a print out of the application and submit it with supporting documents (duly endorsed by the Head of the Department/Office in case of serving employees) in the CGHS office of the Additional Director HQ in Delhi or Additional Director in other cities. If you don’t know the nearby CGHS office then you can go to the dispensary and ask. As soon as the Application for CGHS card is accepted at the CGHS Card Section, you will get the notification at your registered mobile number that an acknowledgment letter is issued to the applicant mentioning the card number and the Ben ID of all family members. The plastic cards are available after one month of the application at the parent wellness centre of the card holder.
In the meantime the acknowledgment letter can be used to avail the facilities from the Wellness centre.
Following documents need to be attached:
In case of serving employee:-
- Proof of residence.
- Proof of stay of dependents.
- Proof of age of son.
- In case of differently abled dependent son above 25 years, disability certificate from competent authority as specified.
- Passport size photo of applicant and family members with Government ID.
In case of pensioners:-
- In addition to 1 to 5 above.
- Surrender certificate of CGHS Card (only if CGHS Card was issued during Service Period).
- Attested copies of PPO/Provisional PPO/Last Pay Certificate (in case PPO is not readily available immediately after retirement.)
- Through BharatKosh Portal in the name of concerned PAO of city.
2. LIC’s Cancer Cover [ Health Insurance Plan ]
LIC’s Cancer Cover is a Non-linked, Non-participating, Regular Premium, Health Insurance plan which provides financial protection in case the Life Assured is diagnosed with any of the specified Early and/or Major Stage Cancer during the policy term. The policy can be purchased offline through Licensed agents, Corporate agents, Brokers, Insurance Marketing Firms. For more details you can visit at it’s official website www.licindia.in
The plan offers two benefit options wherein you have the flexibility to choose the type of Sum Insured at the inception.
Option I Level Sum Insured: The Basic Sum Insured shall remain unchanged throughout the policy term.
Option II Increasing Sum Insured: The Sum Insured increases by 10% of Basic Sum Insured each year for first five years starting from the first policy anniversary or until the diagnosis of first event of Cancer, whichever is earlier. On diagnosis of any specified Cancer as mentioned in Para 1, all the claims shall be based on the Increased Sum Insured at the policy anniversary coinciding or prior to the diagnosis of the first claim and further increases to this Sum Insured will not be applicable
The benefits payable under the plan shall be based on the Applicable Sum Insured, where the Applicable Sum Insured shall be equal to-
• The Basic Sum Insured for policies taken under Option I; or
• Basic Sum Insured during first year and Increased Sum Insured thereafter, as per the provisions detailed in Option II. The options should be chosen carefully depending on the individual’s specific needs as the premium & benefits under the plan shall vary as per the option chosen and the same shall not be altered later.
BENEFITS:
The following benefits are payable during the policy year under an inforce policy:
A. Early Stage Cancer: Benefits payable on first diagnosis of any one of the specified Early Stage Cancers, provided the same is admissible are –
(a) Lump sum benefit: 25% of Applicable Sum Insured shall be payable
(b) Premium Waiver Benefit: Premiums for next three policy years or balance policy term whichever is lower, shall be waived from the policy anniversary coinciding or following the date of diagnosis.
Early Stage Cancers covered: The diagnosis of any of the listed below conditions must be established by histological evidence and be confirmed by a specialist in the relevant field.
• Carcinoma-in-situ (CIS):
Carcinoma-in-situ means the presence of malignant cancer cells that remain within the cell group from which they arose. It must involve the full thickness of the epithelium but does not cross basement membranes and it does not invade the surrounding tissue or organ The diagnosis of which must be positively established by microscopic examination of fixed tissues.
• Prostate Cancer – early stage:
Early Prostate Cancer that is histologically described using the TNM classification as T1N0M0 with a Gleason Score 2 (two) to 6(six).
• Thyroid Cancer – early stage:
All thyroid cancers that are less than 2.0 cm and histologically classified as T1N0M0 according to TNM classification.
Bladder Cancer – early stage:
All tumors of the urinary bladder histologically classified as TaN0M0 according to TNM classification.
• Chronic Lymphocytic Leukaemia – early stage:
Chronic Lymphocytic Leukaemia categorized as stage 0 (zero) to 2 (two) as per the Rai classification.
• Cervical Intraepithelial Neoplasia:
Severe Cervical Dysplasia reported as Cervical Intraepithelial Neoplasia 3 (CIN3) on cone biopsy.
The following are specifically excluded from all early stage cancer benefits (Exclusions):
• All tumors which are histologically described as benign, borderline malignant, or low malignant potential
• Dysplasia, intra-epithelial neoplasia or squamous intra-epithelial lesions
• Carcinoma in-situ of skin and Melanoma in-situ
B. Major Stage Cancer: Benefits payable on first diagnosis of the specified Major Stage Cancer, provided the same is admissible are-
(a) Lump Sum: 100% of Applicable Sum Insured less any previously paid claims in respect of Early Stage Cancer shall be payable.
(b) Income Benefit: In addition to above lump sum benefit, Income Benefit of 1% of Applicable Sum Insured shall be payable on each policy month following the payment of Lump Sum, for a fixed period of next ten years irrespective of the survival of the Life Insured and even if this period of 10 years goes beyond the policy term. In case of death of the Life Assured while receiving this Income Benefit, the remaining payouts, if any, will be paid to his/her nominee.
(c) Premium Waiver Benefit: All the future premiums shall be waived from the next policy anniversary and the policy shall be free from all liabilities except to the extent of Income Benefit as specified above.
Major Stage Cancers covered: A malignant tumor characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy. The term cancer includes leukemia, lymphoma and sarcoma. The following are excluded from major stage cancer benefits (Exclusions):
• All tumors which are histologically described as carcinoma in situ, benign, premalignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non- invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 and CIN-3.
• Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond.
• Malignant melanoma that has not caused invasion beyond the epidermis.
• All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0
• All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below.
• Chronic lymphocytic leukaemia less than RAI stage 3
• Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification.
• All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs.
Benefit Limits and Conditions:
- Early Stage Cancer Benefit shall be payable only once for the first ever event and Life Assured shall not be entitled to make another claim for the Early Stage Cancer of same or any other cancer. However, the coverage for the Major Stage Cancer under the policy shall continue until the policy terminates.
- Once a Major Stage Cancer Benefit is paid no payment for any future claims under Early Stage Cancer or Major Stage Cancer would be admissible.
- Total benefit under the Policy including Early Stage Cancer Benefit and Major Stage Cancer Benefit as specified above shall not exceed the maximum claim amount of 220% of Applicable Sum Insured. If the life assured claims for different stages of the same Cancer at the same time, the benefit shall only be payable for the higher claim admitted under the policy.
- If there is more than one Cancer diagnosed in an event, the Corporation will only pay one benefit. That benefit will be the amount relating to the stage of Cancer which has the highest benefit amount.
WAITING PERIOD:
A waiting period of 180 days will apply from the date of issuance of policy or date of revival of risk cover, whichever is later, to the first diagnosis of any stage cancer. “Any stage” here means all stages of Cancer that occur during the waiting period. No benefit shall be payable if any stage of Cancer occur before expiry of 180 days from the date of issuance of policy or date of revival and the policy shall terminate.
SURVIVAL PERIOD:
No benefit shall be payable if the Life Assured dies within a period of 7 days from the date of diagnosis of any of the specified Early Stage Cancer or Major Stage Cancer. The 7 days survival period includes the date of diagnosis.
ELIGIBILITY CONDITIONS AND OTHER RESTRICTIONS:
- Minimum age at entry should be 20 years completed.
- Maximum age at entry should be 65 years (last birthday)
- Minimum Policy Term 10 years
- Maximum Policy Term 30 years
- Minimum age at maturity 50 years
- Maximum age at maturity 75 years
- Minimum Premium: Rs. 5000/- p.a. for all modes
- Minimum Basic Sum Insured
- Rs. 35,00,000 for ages 20 years to 34 years
- Rs. 25,00,000 for ages 35 years to 40 years
- Rs. 15,00,000 for ages 41 years to 65 years
- Maximum Basic Sum Insured: Rs. 50,00,000
PAYMENT OF PREMIUMS:
Premiums can be paid regularly during the policy term at yearly or halfyearly intervals.
GRACE PERIOD:
A grace period of 30 days will be allowed for both yearly and half-yearly modes from the date of first unpaid premium. If the premium is not paid before the expiry of the days of grace, the Policy lapses and all the benefits payable under this plan will cease
- Best NGO Helping Cancer Patients in India
Cancer Aid & Research Foundation CARF
Cancer Aid & Research Foundation is a registered medical NGO and a non-profit Charitable Organization. It was founded by Late Prof. Kazi in the year 2001, with the mission to reach out cancer patients who needs financial and medical support for CANCER treatment. CARF’s services are not restricted to providing medical and financial help to cancer patients only, they also performing various activities for the society, which includes patients, doctors, general public and most importantly ‘The Youth of India’ by educating them about the ill effects of consuming tobacco and also spreading detailed information and awareness about early detection of cancer by organizing lectures by eminent doctors, screening various types of films based on cancer in Hindi & English languages in schools, colleges, societies and corporate to create maximum public awareness.
The Vision of CARF is to create a world where cancer survivors live a life which is full of vitality, cancer free and without fear. They also organise events to encourage cancer patients so that they can recover and regain themselves after the treatment. So, if you need any kind of help for cancer treatment, you can contact them by visiting the official website of CARF https://www.cancerarfoundation.org
The Cancer Aid & Research Foundation services are:
- They provide financial and medical help to needy and poor people who are suffering from cancer and are unable to afford the medical treatment.
- They Spread awareness of the dangers inherent in prevailing social practices such as chewing of pan / tobacco / gutkha, smoking, early marriage, multiple pregnancies etc. which are responsible for approximately 70% cancer cases in India.
- To initiate steps for the early detection of cancer since it is curable in a majority of the cases with the treatment at that stage.
Contact Info – Official website: https://www.cancerarfoundation.org Email Address: [email protected] / [email protected]
