Are you thinking of buying a cancer insurance policy and don’t know where to start? Then you are at the right place. You must understand a few features you must watch out for to choose the best possible plan. This article will explain a few of the most critical features you need to evaluate before opting for health insurance policies with cancer coverage. So, without further ado, let’s get started with the features you need to evaluate.

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Check the Network of Hospitals

It is essential to ensure that the insurance service provider you choose has a vast network of hospitals, including the top cancer hospitals in your nearby vicinity. If anyone in your family gets diagnosed with cancer, you shouldn’t have to travel long distances to seek treatment. You must check your preferred insurer’s network hospitals when choosing.

Coverage for different types of cancer

Check the terms and conditions to see if different types of cancer are covered under your preferred policy. Cancer insurance policies differ across different insurers, so always check for what’s covered under health insurance policies. 

Number of Members Can be Covered Under the Policy 

Go for a policy covering as many family members as possible. Having multiple cancer policies requires keeping a tab on the premium that needs to be paid, which could be a tiresome process. Good health insurance policies can cover various family members, so you don’t have to maintain multiple policies. 

No-Claim Bonus

Check to see if there is a no-claim bonus element available. No-claim bonuses are rewards that increase the sum insured by a specific percentage each year you don’t file a claim. So, compare multiple insurance service providers to see which offers you the maximum bonus. A no-claim bonus can make your cover amount significantly higher than the initial plan for the same amount in the premium. 

Ability to take a Second Opinion 

Some cancer health insurance policies allow you to get a second opinion. It is an excellent option since a different opinion can help you figure out the best course of treatment so that recovery is faster & better. So, always make sure that you check the T&C documents of a cancer insurance policy before making a choice.

Coverage for Chemotherapy and Radiotherapy

Since chemotherapy and radiotherapy are the most common procedures used in cancer treatment, you need to ensure that your cancer insurance policy offers comprehensive coverage. The treatment requires multiple sessions of these procedures, so ensure that you have the best cancer policy to give you the necessary financial support. 

Coverage for Pre- and Post-Hospitalization Expenses

Your cancer insurance policy needs to cover your pre-and post-hospitalization expenses. A good cancer care policy will generally cover everything from diagnostics, medicines, doctor’s consultation, etc., for up to 30 days of pre and up to 60 days of post-hospitalization. 

Annual Health Checkups

Good health insurance policies give you access to free annual health checkups from the second policy year onwards. It ensures that you are always aware of your health condition and can quickly adjust your lifestyle in case there are any underlying issues to stop an illness from getting out of hand. 

Now that you know the essentials of a cancer insurance policy & its features, it is advisable to check out Care Health Insurance. They offer one of the best health insurance policies covering cancer with a claims settlement ratio of 95.2% and a strong team claims team to help you get a faster turnaround on your claims. Moreover, they have a stellar hospital network of more than 19000+ network hospitals, with some of the best medical institutes as part of their roster. The cancer insurance policy is designed to provide you with the best possible care if you ever need to claim insurance. So, if you are looking for a comprehensive cancer insurance plan, you should check their plans out.