Shriram Life Comprehensive Cancer Care
You look after your loved ones, we’ll do the rest!
cancer cases globally by year 2030
deaths estimated by 2020
cancer patients in India
Over 7 Lakh
new cases every year
Cancer patients are children
1 in 7 deaths
Due to cancer worlwide
Of cancer patient families pushed below poverty line (BPL)
Cancers are lifestyle related.
Shriram Life Comprehensive Cancer Care Plan (UIN-Code) is a non-linked insurance plan. As one of the best cancer insurance plans in India, it provides benefits on diagnosis and during its treatment in both initial and critical stages.
Cancer can take a toll on the patient and his/her family members physically, emotionally and financially. This plan helps minimise the financial burden and allows caregivers to focus on the patient.
– Lump sum payment
– Lump sum payment with monthly income*
– Minimum Rs. 500/- (In all cases)
– Waiver for 3 years (or less)
– 25%, Initial Stage
– 100%, Critical Stage
On premium paid
under Income Tax laws
Shriram Life Comprehensive Cancer Care Plan – UIN 128N070V01
YOU SHOULD KNOW
Cancer is a life-changing disease. It is severe, difficult on patients & caregivers and very expensive to treat.
Given cancer touches everyone’s lives in one way or another, here are a few things you should know about this disease.
|It cannot be treated effectively||While it is true that cancer treatments come with no assurances, instances where traces of Cancer have been completely removed are not unheard of. Treatment also mitigates the spread of Cancer.|
|Chances of survival are low||Winning the battle against cancer is influenced by multiple factors. The type of cancer, its stage, patient’s age, overall fitness and medical history play a significant role in determining your survival against cancer. Timely detection and good post-operative care is known to result in complete remission in many cases.|
|Surgical removal of Cancer causes it to spread||A good oncology surgeon is extremely careful while taking a biopsy or carrying out a surgery. Most of the times some healthy tissue around the Cancer is also removed as a precaution. Some may take extra precautions if they are certain of the cancer recurring.|
|Cancer is a communicable disease||A healthy person can never ‘catch’ cancer from a person who suffers from the disease. However, there are a few bacteria/infections that if transferred, could increase the risk.|
|Injuries cause Cancer||Injuries / Bruises do not cause cancer. There is a possibility that while treating an injury cancer may be detected, but it certainly is not the cause. Chronic inflammatory processes may at times increase the risk of certain cancers, but these instances only account for a small fraction of cases.|
|Nothing can be done to prevent Cancer||While there are no guarantees, a modified lifestyle can reduce the occurrence of cancer. Simple steps like, quitting tobacco, reducing alcohol consumption, exercising, protecting yourself from the sun etc. can easily reduce your vulnerability.|
|Breast cancer||A lump in the breast, bloody discharge from the nipple and changes in the shape or texture of the nipple or breast.|
|Prostate cancer||Difficulty in urination, but sometimes there are no symptoms at all.|
|Basal cell cancer||This cancer typically appears as a white, waxy lump or a brown, scaly patch on sun-exposed areas, such as the face and neck.|
|Melanoma||A new, unusual growth or a change in an existing mole. Melanomas can occur anywhere on the body.|
|Colon cancer||Colorectal cancer symptoms depend on the size and location of the cancer. Commonly experienced symptoms – changes in bowel habits, changes in stool consistency, blood in the stool and abdominal discomfort.|
|Lung cancer||A cough (often with blood), chest pain, wheezing and weight loss. These symptoms often don’t appear until the cancer is advanced.|
|Leukemia||Many patients with slow-growing types of leukaemia don’t have symptoms. Rapidly growing types of leukaemia may show signs of fatigue, weight loss, frequent infections and easy bleeding or bruising.|
|Lymphoma||Symptoms include enlarged lymph nodes, fatigue and weight loss.|
Statistics show that one in three women will get cancer in their lifetime. Breast cancer cases are on the rise and survival rates are dismal. Majority of the cases are due to late detection and lack of awareness. Although both men and women are affected by cancer, they experience cancer’s impact differently, from the side effects they deal with, to the decisions they make about their care.
Most common causes of mortality:
- Ignoring symptoms
- Late detection
- Irregular check-ups
- Lack of good post-operative care
Symptoms women shouldn’t ignore:
- Breast Changes
- Skin Changes
- Changes in lymph nodes
- Trouble Swallowing
- Blood in Urine / Stool
- Weight Loss
Very often while playing the role of the primary caregiver for their loved ones and family, women tend to forget themselves. And when they do realise something is wrong, it is often too late. Women are central to our societies and communities and their wellness should be of utmost importance.
–When you come to the end of your rope, tie a knot and hang on!!–
Doing what you can to help prevent cancer is your best defence. Knowing about cancer and what you can do to help reduce your risk of it can help save your life. Early detection is of utmost importance. Finding cancer early, before it has spread, gives you the best chance to do something about it.
Reducing your risk against cancer:
- Stay away from tobacco and reduce alcohol consumption: Research has shown that smoking causes lung cancer while those who chew tobacco are at a major risk for oral cancer. Alcohol consumption should also be limited.
- Reduce your weight and stay healthy: Risk of cancer is known to go up with obesity.
- Exercise regularly: Regular exercise will prepare your body to fight against anything that should come its way. Cancer is a lifestyle disease and staying active will help reduce your risk.
- Eat healthy: A well balanced diet with plenty of fruits and vegetables will help take care of nutrition requirements and reduce your risk.
- Protect your skin: The sun’s UV rays are harmful and can cause skin cancer. Make sure you use a sunscreen when you are stepping out for prolonged periods in the sun.
- Know yourself, your family history, and your risks
- Get regular check-ups and cancer screening tests
Reducing your Financial Risk:
The economics of cancer care is daunting. Cancer is known to wipe out savings of entire families given the expensive treatment and the length of time one is required to be in medical care. One of the ways to prepare for this is to buy a cancer insurance plan that will mitigate some of the financial risks.
Cost of cancer care:
- Cancer treatment could start at Rs 2.5 lakh for six months of treatment, with some of the lowest priced generic drugs in the world, and could go upto as much to as Rs 20 lakh, with novel drugs and targeted medicines.
- Cost of diagnostics (CT Scans, PET Scans, MRIs, biopsy) is high and treatment costs are out of reach for many if it is detected late.
- In addition to treatment cost, out of pocket expenses are known to skyrocket due to travel, hospital stays, and other expenses. Loss of income because of work days lost further adds to the burden.
Understanding some key aspects of cancer insurance:
Common to all plans
The lump sum payout at any stage will be reduced to the extent of any payouts at an earlier stage. For example, if 100 percent of the sum insured is payable in the major stage, then the 25 percent paid in the early stage will be deducted before this major state payout is made, i.e., only 75% of the sum insured would get paid at this stage. Also, there is no death benefit but if a patient dies within the waiting period, 100 percent of the premium is refunded to the family.
An important feature to consider while choosing a plan is what is its maximum term? Most cancer plans have the maturity age fixed at 75. But the maximum term can make a big difference in the decision.
Premium paying term
The premium paying term will depend on your appetite. Most plans allow you to compute a premium that suits you by using a premium calculator.
Increasing medical costs
The increased sum insured is called the indexed sum insured as the annual increase is indexed to the initial sum insured.) Though the premium could be higher for such a plan, it does ensure taking care of the escalating medical costs.
When you have cancer:
After your cancer treatment, as a cancer survivor you’re eager to return to good health. But beyond your initial recovery, there are ways to improve your long-term health so that you can enjoy the years ahead as a cancer survivor.
The recommendations for cancer survivors are no different from the recommendations for anyone who wants to improve his or her health: Exercise, eat a balanced diet, maintain a healthy weight, avoid tobacco and limit the amount of alcohol you drink.
But for cancer survivors, these strategies have added benefits. These simple steps can improve your quality of life, and smoothen your transition back to wellness. Here’s what you can do to take care of yourself after cancer treatment.
Stay physically active –
- Regular exercise increases your sense of well-being after cancer treatment and can help with speedy recovery.
- Cancer survivors who exercise may experience:
-Increased strength and endurance
-Fewer signs and symptoms of depression
- Adding physical activity to your daily routine doesn’t take a lot of extra work. Focus on small steps to make your life more active. Take the stairs more often or park farther from your destination and walk the rest of the way. Check with your doctor before you begin any exercise program. With your doctor’s approval, start slowly and work your way up. The American Cancer Society recommends adult cancer survivors exercise for at least 30 minutes five or more days a week. As you recover and adjust, you might find that more exercise makes you feel even better.
- Sometimes you won’t feel like exercising, and that’s OK. Don’t feel guilty if lingering treatment side effects, such as fatigue, keep you sidelined. When you feel up to it, take a walk around the block. Do what you can, and remember that rest also is important to your recovery.
Eat a Balanced Diet –
- Vary your diet to include lots of fruits and vegetables, as well as whole grains. The American Cancer Society recommends that cancer survivor eat at least 2.5 cups of fruits and vegetables every day. Choose healthy fats, including omega-3 fatty acids, rather than saturated fats or trans fats. Select proteins that are low in saturated fat, such as fish, lean meats, eggs, nuts, seeds and legumes. Opt for healthy sources of carbohydrates, such as whole grains, legumes, and fruits and vegetables This combination of foods will ensure that you’re eating plenty of the vitamins and nutrients you need to help make your body strong.
- While it may be tempting to supplement your diet with a host of vitamin and mineral supplements, resist that urge. Some cancer survivors think that if a small amount of vitamins is good, a large amount must be even better. But that isn’t the case. In fact, large amounts of certain nutrients can hurt you. If you’re concerned about getting all the vitamins you need, ask your doctor if taking a daily multivitamin is right for you.
Maintain your weight –
- You may have gained or lost weight during treatment. Try to get your weight to a healthy level. Talk to your doctor about what a healthy weight is for you and the best way to go about achieving that goal weight. You and your doctor can work together to control nausea, pain or other side effects of cancer treatment that may be preventing you from getting the nutrition you need.
Caregiving can be overwhelming. Here are a few things that could help:
- Make lists of tasks to be done; Keep patient’s papers, documents and receipts in order.
- Actively seek help when needed. Speak to someone who has been through the struggle, or go through counselling.
- Organise your finances, and pay attention to post-operative care instructions.
- Understand insurance documentation and claim procedures from insurance company or employer.
- Try to stay positive and don’t forget about yourself!
News and sources
- www.cancer.org – https://www.cancer.org/research/cancer-facts-statistics/global.html
- Times of India – http://timesofindia.indiatimes.com, Feb 4, 2017
- The Better India: State of Cancer in India https://www.thebetterindia.com/74188/cancer-awareness-india/
- Blog on surviving cancer by Kris Carr http://kriscarr.com/blog/11-tips-for-cancer-patients/
- Article on Breast Cancer, Published by Indian Express, August 15, 2017