You look after your loved ones, we’ll do the rest!
CANCER CASES GLOBALLY BY YEAR 2030
DEATHS ESTIMATED BY 2020
NEW CASES EVERY YEAR
DUE TO CANCER WORLDWIDE
OF CANCER PATIENT FAMILIES PUSHED BELOW POVERTY LINE (BPL)
CANCERS ARE LIFESTYLES RELATED.
Shriram Life Comprehensive Cancer Care Plan (UIN: 128N070V01) is a non-linked non-participating protection plan.
We work hard to provide the best to our family and aspire to improve our life style. We save money for future liabilities like higher education, marriage and others.
Sometimes uncertainties in family may have financial and emotional impact and needs special arrangements to deal with it.
With increase in diagnosis of cancer now-a-days, it is taking a toll on the financial stability of families. Uncertainties’ like Cancer today has greater chances of treatment with advancement in medical treatments. While you take care of your family member Shriram Life provides you the financial aid to ensure that there is no limitation of funds.
Easy and convenient process to avail comprehensive cancer cover
In addition, a monthly income benefit of 2% of the sum assured from the date of critical stage cancer for a period of 5 years if Option 2 is chosen
Two Benefit options to choose from
|Plan Option / Benefit during||Initial Stage Cancer||Critical Stage Cancer|
|Option 1||Lump sum||Lump sum|
|Option 2||Lump sum||Lump sum + Income Benefit|
Fixed Benefit on diagnosis of Cancer
Initial Stage: 25% of the Sum Assured on diagnosis of Initial Stage Cancer
Critical Stage: 100% of Sum Assured (less payments made if any for Initial Stage Cancer) on diagnosis of Critical Stage of Cancer.
₹ 5 Lakhs to ₹ 50 Lakhs
Lump sum benefit
Lump sum + Monthly income benefit
I already have a mediclaim, why do I need a separate
The medical expenses incurred for
may be very high, depending on the stage. Mediclaim cover may not be sufficient to cover the treatment expenses for
offers only pre and post hospitalization expenses based on the bill amount.
How different is this plan from regular
This is a fixed benefit plan and offers lump sum pay-out at predefined stages as opposed to Mediclaim plans where the benefit pay-outs depends upon the expenditure incurred in hospital.
What if I missed my premium due date?
You have a period of 15 days as grace period from the premium due date for Quarterly and Half-Yearly modes and 30 days grace period from the premium due date for annual mode, to pay the premium. If a due premium is not received within the grace period, your policy will lapse and the insurance cover will cease.
What if I am not happy with the plan?
If you are not satisfied with any of the terms and conditions of the Policy, you may return the Policy document along with a letter stating the reason for dissatisfaction within 30 days of receipt of the Policy document. Upon return of this Policy by You, this Policy will terminate and all rights, benefits and interests under this Policy shall stand extinguished.
Will the premium remain same for the entire term?
Premiums are guaranteed for a period of 3 years. After every 3 Policy years, reviews will be carried out to determine whether the applicable premium will remain same or will change at the end of the guaranteed period. Premium revision will be applicable on approval from IRDAI. We will inform you about premium revision, if any at least 30 days in advance.
What is the list of exclusions in the policy?
Please refer our Sales Brochure for details.
Can husband and wife jointly apply for the policy?
No, it is an individual insurance plan.
Who can be a nominee in the policy?
As per Sec. 39 nominee can be any person nominated by the policyholder. In most cases, nominees are immediate family members (spouse, children, father and mother). Other person can be nominated by mentioning the relation & reason.
What if I stop paying Premiums?
In case the premiums are not paid within the Grace period, the policy will lapse and no benefits will be payable.
How can I revive my Policy?
The Policyholder can apply for reinstatement of the lapsed policy within two years from the due date of the first unpaid premium. In case of reinstatement, the policyholder will need to pay all unpaid premiums plus interest.
Can I opt for this plan if I have pre-existing cancer?
No, you are not eligible for the plan if you have pre-existing Cancer.
Can I opt for this plan if I consume tobacco?
Yes, you can take this plan if you consume tobacco, beedi, cigarette or gutka.
What is the waiting period for one to get the claim?
There is an initial waiting period of 180 days from the date of commencement of the Policy or from the date of reinstatement of the Policy, for diagnosis of cancer & valid claim to be admissible under this Policy.
Once I have uploaded my documents on the website, do I also need to courier the same?
You have the option of either uploading your documents on the website or sending it via courier to us.
Is there a difference between Cancer, Critical and Health Insurance?
are different from regular
The differences are listed below:
Cancer Care Plans
Critical Illness Insurance
Health Care Plans
|Reason to Buy||
|What Does It Cover?||
|Who is it for?||
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
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 leukemia don’t have symptoms. Rapidly growing types of leukemia 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:
Symptoms women shouldn’t ignore:
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 defense. 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
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
plan that will mitigate some of the financial risks.
could start at ₹ 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 ₹ 20 lakh, with novel drugs and targeted medicines.
Understanding some key aspects of
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
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:
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
Stay physically active –
Eat a Balanced Diet –
Maintain your weight –
Caregiving can be overwhelming. Here are a few things that could help: