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Insurance-Guide

iCANCER INSURANCE PLAN –AEGONLife

iCancer is our online Insurance Plan to help you manage the high costs of medical treatment if you are diagnosed with cancer, specifically designed to provide adequate financial support for the treatment at every stage of the disease through Stage-based Benefit Payments.

Key Features:

  • All stages of the cancer are covered
  • Stage-based Benefit Payment
  • Multiple unrelated cancers can be claimed
  • Increasing accumulated payout as impairment grows to more severe stages
  • Simple online buying process
  • No future premium payment liability with Waiver of Premium benefit
  • Tax Benefit under section 80D

Sum Coverage/Limits/Benefits:

If the life assured is diagnosed to be suffering from a Cancer of defined severity, a percentage of the policy Sum Assured, subject to applicable limits, will be paid in lump sum. The Cancer Benefit has three stages of severity and the payout depends on the stage of the Cancer and claims previously admitted under the policy:

MINOR STAGE:

At the Minor Stage of Cancer, for each claim the benefit will be 25% of Sum Assured minus any previously paid claims under the Policy, up to a maximum limit of `5,00,000 per claim. The sum of all benefits paid in the Minor Stage will not exceed 25% of the Sum Assured.

MAJOR STAGE:

At the Major Stage of Cancer, the benefit will pay 100% of the Sum Assured minus any previously paid claims under the policy.

CRITICAL STAGE:

At the Critical Stage of Cancer, the benefit will pay 150% of the Sum Assured minus any previously paid claims.

HDFC Life Cancer Care

HDFC Life brings to you a comprehensive cancer care plan that provides financial protection for both early and major stage of cancer. So you receive payouts not only on diagnosis of major stage of cancer but also on early stage of cancer. Moreover, we also waive premiums for the next 3 policy years on diagnosis of early stage of cancer. In addition you will receive an income benefit on diagnosis of major cancer under Platinum option. And the Gold and Platinum options have an increased benefit whereby the Sum Insured under the policy increases every year.

Key Benefits:

  • Comprehensive cancer plan that provides financial protection to you and your family against early or major stages of cancer
  • Lump sum payout is provided on diagnosis of major as well as early stages of cancer
  • Future Premiums for next 3 policy years will be waived off on receiving a valid claim of cancer diagnosis
  • Receive Income benefit for next 5 years, under Platinum option
  • Under Gold and Platinum option, the Sum Insured will be increased by 10% every year. This will continue till the increased Sum Insured becomes 200% of the Initial Sum Insured.
  • All benefits and payouts are independent of any other health insurance plan
  • Provides tax benefits on premiums paid up to `55,000 under Sec 80D

Sum Coverage/Limits/Benefits:

The initial Sum Insured available under this policy is as below:

Minimum Sum Insured: Rs 10 Lakhs

Maximum Sum Insured: Rs 40 Lakhs

ICICI Pru Heart/Cancer Protect

ICICI Pru Heart/Cancer Protect is a health Insurance plan which give you cover against specific diseases like heart ailments and cancer. Best part about a plan like ICICI Pru Heart / Cancer Protect is that it gives you the claim amount on first diagnosis irrespective of the actual medical costs.

Key Features:

  • High Cover at low premiums
  • Payout on Diagnosis
  • Discount for the family, Hospital of your choice
  • Waiver of premium
  • Increasing Cover Benefit
  • Substitute for loss of Income
  • No co-payment
  • Tax Benefit

Indian Cancer Society and The New India Assurance Company Limited

This insurance policy is open to any person upto 70 years provided they have had no cancer earlier. According to the agreement with NIA, anyone who wants to avail of this cover has to become a member of the Indian Cancer Society at a small cost of Rs.200. The policy comes into operation only after the one month of membership.

Key Features:

  • There is no medical test. Only Declaration of good health signed by a doctor is required.
  • The Cancer Insurance Policy offers adequate coverage towards the costs of diagnosis, biopsy, surgery, chemotherapy and/or radiotherapy, hospitalization and rehabilitation at an extremely low premium.
  • Reimbursement of claims is made every quarter for actual expenses incurred, until the entire sum insured is exhausted or the insured person is declared cured, whichever is earlier.
  • Free access to cancer related literature available with the Society.
  • At the Society’s discretion, check-up facilities can be made available at its Cancer Detection Centre at Pedder Road, Mumbai. For Cancer Insurance policy holders, first time check up facility for cancer would be free of cost and for the second time onwards, the same facility would be available at 50% of cost.
  • The entire administration of the policy is done by the society. As a result policy holder does not have to interact with NIA. Both premium payment and claim settlement are handled by society without any hassles for the policyholders.

Sum Coverage/Limits/Benefits:

Coverage of Rs. 50,000 + 5% additional sum insured upto Rs. 75,000 for every claim free renewal.

Coverage of Rs. 200000 +5% additional sum insured upto Rs. 300,000 for every claim free renewal.

Star Health Insurance

For the first time ever, a health insurance has been launched specifically for cancer patients, by Star Health and Allied Insurance. It is called the Star Cancer Care Gold (pilot product). It covers both patients recently diagnosed with cancer as well as patients in remission experiencing other illnesses. Patients with metastasis and relapse are also eligible for this scheme. It is available for ages 5 months to 65 years. There is no pre-policy medical check up required.

There are two sum insured options available, at ₹3 lakhs and ₹5 lakhs, both of which cover recurrence/metastasis (section I- lump-sum), surgery (section II-indemnity) and non-surgical remedies (Section III-indemnity). SI option cannot be changed after inception. Under indemnity, the policy covers a single standard A/C room, surgeon and other doctors fees, medical supplies expenses, including but not limited to anesthesia, blood, medicines, surgical equipments and OR charges. It also insures against emergency ambulances charges upto ₹2000 per policy period. Medical expenses pre-hospitalization upto 30 days and post-hospitalization upto 60 days as well as any day care expenses will also be insured. If the patient, at the time of inception, is aged above 65 years, 10% copay will be applicable, lifelong, under indemnity.

After making a claim under section 1, renewals may happen only for section II and III and premium will be charged accordingly. There is a grace period of 30 days for renewal, from the date of expiry. Premium ranges from ₹14,400 to ₹45,000, including taxes, depending on age, SI option and section I claim. In addition to above advantages of the scheme, Star Health also offers cashless hospitalization and 24-hour toll free helpline.

Inclusions/Exclusions:

iCANCER INSURANCE PLAN –AEGONLife

MINOR STAGE

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. The following cancers that are covered under this Minor Stage are defined below. All Minor Stage Cancers in the presence of HIV infection are excluded.

  1. a) Carcinoma in-situ – all organs except skin

Carcinoma in-situ is characterized by the presence of cancer cells that remain within the cell group from which they arose, where cancer cells do not penetrate the basement membrane nor invade the surrounding tissues. The cancer must be classified as “Tis” according to the AJCC 7th Edition TNM staging method or FIGO Stage 0 of the Federation Internationale de Gynaecologie et d’Obstetrique staging system.

The following are specifically excluded:

  • Carcinoma in-situ of skin and Melanoma in-situ
  • Cervical Intraepithelial Neoplasia (CIN I, CIN 2, and CIN 3) without carcinoma in-situ
  1. b) Prostate Cancer – early stages

Early Prostate Cancer is characterised by the uncontrolled growth and spread of malignant prostate cancer cells with invasion and destruction of normal prostate tissue. The prostate cancer must be classified as “T1N0M0” according to the AJCC 7th Edition TNM staging method where the tumour is localized in the prostate but not palpable or detectable with imaging. The prostate cancer must not spread outside of the prostate gland to regional tissues, lymph nodes or distant sites. The prostate cancer must also be well differentiated as evidenced by a pathology report showing a Gleason Score of two to six. All grades of Prostate Intraepithelial Neoplasia (PIN) are not covered under this definition.

  1. c) Thyroid Papillary Microcarcinoma

Thyroid Papillary Microcarcinoma is characterised by the uncontrolled growth and spread of malignant papillary thyroid cancer cells with invasion and destruction of normal thyroid tissue. The thyroid cancer must be less than 1.0 cm in diameter and confined to the thyroid gland.

  1. d) Bladder Microcarcinoma

Bladder Microcarcinoma is characterised by the uncontrolled growth and spread of malignant bladder cancer cells that are confined to the inner lining of the bladder. The Bladder Microcarcinoma must be diagnosed as noninvasive papillary carcinoma and classified as “TaN0M0” according to the AJCC 7th Edition TNM staging method. This means the bladder microcarcinoma has not invaded the bladder wall and has not spread outside of the bladder to regional tissues, lymph nodes or distant sites.

  1. e) Chronic Lymphocytic Leukaemia early stages

Chronic Lymphocytic Leukaemia is categorized as the uncontrolled growth and spread of malignant lymphocyte white blood cells within the bone marrow and the peripheral blood. The Chronic Lymphocytic Leukemia must be diagnosed and classified as Rai stage 0, 1, or 2 by a specialist in the relevant field. These early Rai stages of leukemia imply that there is an elevated malignant monoclonal lymphocyte count with or without enlarged lymph nodes or spleen, but there is no anemia and no thrombocytopenia.

MAJOR STAGE

A malignant tumour characterised by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma.

The following are excluded:

  1. a) Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or non-invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3.
  2. b) Any skin cancer other than invasive malignant melanoma
  3. c) All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0
  4. d) Papillary micro-carcinoma of the thyroid less than 1cm in diameter
  5. e) Chronic lymphocytic leukaemia less than stage 3 (three) as per the Rai Classification
  6. f) Microcarcinoma of the bladder
  7. g) All tumours in the presence of HIV infection.

CRITICAL STAGE

Critical Stage Cancer is defined as any cancer that meets the definition of “Major Stage” under this product and the insured’s oncologist has determined that the cancer has progressed to Stage IV according to the 7th edition AJCC Staging manual. The exact AJCC definition of Stage IV depends on the type of cancer but in general it means the cancer has spread to distant lymph nodes or to distant organs or sites. There must be histological evidence of uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissues. The diagnosis of Stage IV cancer must be supported by histological evidence and confirmed by a pathologist. We will accept a clinical diagnosis of Stage IV Critical Cancer based on the study of symptoms and diagnostic test results without pathology, only if all three (3) of the following conditions are met:

  1. a) A histological diagnosis cannot be made because it is medically inappropriate or life threatening
  2. b) There is medical evidence to support the diagnosis and stage
  3. c) A report from an Oncologist who is treating or advising the Insured confirms the diagnosis and stage of cancer

Claim Limits:

MINOR STAGE:

At the Minor Stage of Cancer, for each claim the benefit will be 25% of Sum Assured minus any previously paid claims under the Policy, up to a maximum limit of `5,00,000 per claim. The sum of all benefits paid in the Minor Stage will not exceed 25% of the Sum Assured.

MAJOR STAGE:

At the Major Stage of Cancer, the benefit will pay 100% of the Sum Assured minus any previously paid claims under the policy.

CRITICAL STAGE:

At the Critical Stage of Cancer, the benefit will pay 150% of the Sum Assured minus any previously paid claims.

References:

  • https://www.starhealth.in/health-insurance-plans/star-cancer-care-gold
  • http://www.indiancancersociety.org/activities-ics/risk-insurance.aspx
  • https://www.hdfclife.com/documents/health-insurance/hdfc-life-cancer-care-plan20170517-101348.pdf
  • https://www.iciciprulife.com/health-insurance-plans/icici-pru-heart-cancer-protect-details.html
  • https://www.aegonlife.com/insurance-plans/health-insurance/aegon-life-icancer-insurance-plan

 


*PLEASE NOT THIS BLOG IS NOT FOR ADVERTISEMENT PURPOSE AND IS JUST FOR REFERENCE*

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Author: Kruttika Aggarwal and Bhaanuj Sharma (Yoddhas Ambassador)

Thanks for reading and please keep visiting our blog to discover and appreciate more Yoddhas. 

Feel free to contact the Yoddhas team at team@yoddhas.com 

“Let no one fight Alone!” – Rahul Yadav, Founder of Yoddhas

Praise the Yoddhas; Support the Yoddha ; Love the Yoddhas!

Cheers!

 

 

Prime Minister National Relief Fund

PMNRF has been created to help people in the treatment of cancer, heart surgeries, kidney transplantation, etc. There have been many cases where the funds have been disbursed for cancer treatment. One such case is of a person in Jharkhand who was diagnosed with Hodgkin’s
lymphoma, a cancer that starts in white blood cells. He got 3 lakh from PMNRF and 1.5 lakh through state relief fund.
Procedure to apply for PMNRF:
1. Applicants first need to fill the form. The form can be downloaded from the link below.

Link: https://pmnrf.gov.in/publicdocs/PMNRF-Assistance-form-English.pdf 
2. They need to enclose two photographs one pasted and one attached on the form.
3. Along with the form a copy of residence proof should be attached.
4. Original medical certificate which has the information about the type of disease and the total expected expenses of the treatment should also be attached.
5. Income certificate should be attached too
6. Send the application along with above mentioned documents to PM at the address:

Prime Minister’s Office,
South Block,
Raisina Hill
New Delhi-110011
The disbursements are made at the discretion of PM only. Usually a part of the
treatment expenses are funded.

7. ID proofs: Income Certificate/Rashon Card/ Aadhar Card

For any Queries Contact:

Email: pmnrf@gov.in
Phone: 011-23013683, 23016060, 23011156, 23012419, 23016469, 23016857

 

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Author: Tanuj Gupta (Yoddhas Ambassador)

Thanks for reading and please keep visiting our blog to discover and appreciate more Yoddhas. 

Feel free to contact the Yoddhas team at team@yoddhas.com 

“Let no one fight Alone!” – Rahul Yadav, Founder of Yoddhas

Praise the Yoddhas; Support the Yoddha ; Love the Yoddhas!

Cheers!

 

FIGHTING THE SYMPTOMS, FIGHTING LEUKEMIA!!

Leukaemia or blood cancer as we call it, is truly an emperor of all maladies, taking in its clutches people from all age groups. What is worse is the fact that children fall prey to it easily and getting out of it is surely not a child’s play. The history of leukaemia if traced back results in finding the first recorded case which took a 5 year old girl’s life. She is said to have vomited all her red blood cells and she perished at the hands of this horrible disease within 3 days of the first symptoms. This was long back in 1860s. Since then both the disease and research on it has evolved. But the sad fact is that still we are lacking somehow that the disease is flourishing, especially amidst the children up to the age of 14.

                        I had a friend who fell to the clutches of this disease at the tender age of 11. We were new to grade 7 and our summer vacations were approaching when she fell ill and suddenly her platelets and red blood cells count fell drastically. The doctors speculated flu, then malaria, then typhoid but none of the medicines seemed to work. It was a month later that leukaemia in her case was confirmed. To a child with dreams and to parents with hopes it was like moving the earth beneath their feet. She survived somehow the chemo and fought back bravely against cancer. She is leading a happy life today at the age of 19 but somehow the symptoms seem to come back at times. And what must be noticed is that not all kids are lucky like her. There are very high chances of death in case of kids suffering from leukaemia.

This case in my life made me think and read about cancer a bit more and what I closely observed was that the symptoms are something we miss to see until the disease expands its treacherous wings. I read that in leukaemia it’s the bone marrow that gets affected first and it results in the most common symptoms that people tend to ignore. In blood cancer the patient begins to show fatigue, weakness, shortages of breaths, headaches and a pale skin. Some of you might think how is it new. These symptoms are the fore bringers of so many diseases. What most people miss is their presence persistently. My friend had shown these symptoms for over a year before she was actually diagnosed with cancer. She hardly played with us in the sports’ period and was always short of breaths even if she climbed just 10 stairs. She was having a pale skin which no one noticed because somehow many don’t differentiate between what actually is fair tone and a pale skin. In total she was a total pack of the earliest symptoms of leukaemia. What I feel is that had her parents took notice of this early, maybe she would have saved loads of pain she suffered.

 What I believe is that care from the side of parents and other relatives becomes a must. If a person is showing signs of these symptoms for a long time then it becomes mandatory to get them checked because cancer is no longer a rare menace. It has become a thing of past to say that,

 “We have learned nothing about the cause of cancer or its actual nature. We are where the Greeks were.” – Francis Wood (1914)

We have evolved a lot and research has come a long way. It is high time awareness be spread and people take responsibility on their parts to look around their dear ones and get persistent symptoms checked, especially in the case of young kids. A stitch in time can actually save nine when it comes to leukaemia.

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Author: Namrata  (Yoddhas Ambassador)

Thanks for reading and please keep visiting our blog to discover and appreciate more Yoddhas. 

Feel free to contact the Yoddhas team at team@yoddhas.com 

“Let no one fight Alone!” – Rahul Yadav, Founder of Yoddhas

Praise the Yoddhas; Support the Yoddha ; Love the Yoddhas!

Cheers!

– NAMRATA

 

The month of January is also regarded as Cervical Cancer Awareness month, in an attempt to educate people, across the globe, about its severity and prevention. We, at Yoddhas, take this opportunity to highlight pivotal information about one of the most commonly occurring, but not very familiar cancer, Cervical Cancer.

In India, cervical cancer is second most frequent cancer among women. Around 1.32 lac cases are diagnosed annually in the country. Incidence rate of cervical cancer is 22 per 100,000 women, per year. Globally, India accounts for 1/3rd of cervical cancer deaths. It is most prevalent in middle-aged and older women, with the risk rising in early 30s and peaking between 55-65 years of age. In India, this risk starts developing for women above 15 years of age.

As evident from the name, cervical cancer develops in cervix (reproductive part) of the women. In most cases, around 70-80%, it is caused by Human Papillomavirus and is sexually transmitted. Other sexually transmitted viruses may also turn cancerous, like human immunodeficiency virus (HIV) and warts. Though it is common to get HPV and other sexually transmitted infections, as they clear up naturally, sometimes these infections go on to become cancerous. This could be mainly due to early onset of sexual activity, unprotected sexual intercourse, multiple sexual partners, high parity and poor genital hygiene. Other common, subtle factors that progress this infection include use of contraceptives and nutritional deficiencies. Though India has recently made striking progress of providing basic defecation facilities in many rural homes, around 40% of households still have to defecate in open, wild areas. In addition, basic genital hygiene products, including sanitary napkins and feminine wash, are not accessible to majority women in the country. This situation is further stressed by the social taboo associated with the terms that is ‘cervical’ and ‘pads’. It should go without saying that maintaining proper genital hygiene is necessary for one’s overall health. With increasing rate of infections, it is more so to prevent cancer is the reproductive parts. Both men and women should be educated about practicing safe sex and be aware of all the red signs associated with reproductive health.

Since it is common to have vaginal infections, it is difficult to detect cervical cancer in early stages. After it has reached an advanced stage, one or many of the following symptoms and signs are prevalent: abnormal vaginal bleeding and discharge, vaginal discomfort, back and pelvic pain, fatigue, weight loss, loss of appetite and swollen leg. Though these are some common signs of a cancerous infection, any other abnormal behaviour, not mentioned above, should be reported to and checked by a gynaecologist immediately.

Even though cervical cancer may not show any early, obvious signs, it is possible to detect precancerous cells and infections by routine check-up. Commonly, if a gynaecologist suspects cervical cancer or other high risk infections, they will perform a pap smear test, in which cells from cervical lining are collected and viewed under microscope for abnormalities. Another way to test for cervical cancer is using diluted acetic acid solution in suspected areas (Visual Inspection with Acetic acid). Abnormal tissue will turn white and cells can be collected from there for biopsy.

Like most other cancers, cervical cancer can be treated by chemotherapy, radiation therapy and/or surgery, depending on stage and progress of cancerous cells. While surgery directly removes the cancerous tissue, with margins, radiation uses rays to kill those cancerous cells in body. Toxic medicines are used as a part of chemotherapy to control rapidly divide cells in the body. There is also an option of hysterectomy, specially for post-menopausal women, in early stages. For advanced, incurable stages, a woman is given palliative care to reduce pain and improve the quality of life. Sometimes a minor surgery may be performed in cases where cancer has advanced to a level that it obstructs bladder and bowel movement.

Cervical cancer can be prevented in the first place. In combination with basic genital hygiene routines, women above 21 years of age, who are sexually active, should get regular screening done every 5-10 years. There is 3-dose vaccination against HPV for 9-13 year old girls to prevent infections and hence the cancer. Since these vaccines do not treat any current HPV infections, they need to be administered before onset of sexual activity. They prevent infections from most common strains of HPV but not all. Screening, later in life, is recommended to all women, regardless of the vaccination. Vaccines against HPV is available in India. However, they are not yet a part of Universal Immunisation Program due to its cost. Each shot of vaccine costs ₹2,000-₹3,000, making it inaccessible to the most prevalent group in the country, low income middle-aged women. There are talks at the central government level to include these vaccines in UIP, which is a step in the right direction. In the meanwhile, there is serious need of awareness, not only about cancer, but about general sexual health and hygiene, right from a very young age. All young adults must be educated about the significance of genital hygiene and should be openly able to discuss any health problems. It is appalling to know how many health issues go unreported just because of hesitation and shame. Moreover, educational institutions should have programs and seminars discussing practice of safe sex and sexually transmitted diseases like HIV, warts and cervical cancer. There needs to be more awareness ad campaigns about cervical cancer so they could be detected at an early stage. Women should be encouraged to get tested and vaccinate their young girls.

Cervical cancer is something that can be prevented and diagnosed early. Let’s not miss those early signs.

More information about cervical cancer can be found in this specially focused WHO guide:
http://apps.who.int/iris/bitstream/10665/144785/1/9789241548953_eng.pdf?ua=1

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Author: Kruttika Aggarwal (Yoddhas Ambassador)

Thanks for reading and please keep visiting our blog to discover and appreciate more Yoddhas. 

Feel free to contact the Yoddhas team at team@yoddhas.com 

“Let no one fight Alone!” – Rahul Yadav, Founder of Yoddhas

Praise the Yoddhas; Support the Yoddha ; Love the Yoddhas!

Cheers!

 
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