Breast Cancer Insurance

Protect Your Health and Finances with Breast Cancer Insurance

Medical uncertainties can disrupt life’s rhythm in an instant. Among the most concerning health conditions for women across the globe is breast cancer. While early detection and advanced medical facilities can increase survival rates, the cost of diagnosis, treatment, and recovery can be financially overwhelming.

This is where Breast Cancer Insurance by Bajaj Allianz General Insurance Company becomes a lifeline. It is tailored to provide you with not only financial protection but also peace of mind during challenging times.

Why Breast Cancer Insurance is a Must-Have?

According to the World Health Organization (WHO), breast cancer is the most diagnosed cancer in women worldwide. With increasing cases among women aged 25 and above, awareness is growing, but so is the need for financial preparedness.

Medical inflation, frequent follow-ups, diagnostics like mammograms, biopsies, chemotherapy, radiation, and surgeries can wipe out your savings. Moreover, if you’re the family’s sole earner, the income disruption could amplify financial stress.

That’s why Health Insurance For Breast Cancer has become essential.

Benefits of Breast Cancer Insurance by Bajaj Allianz

Let’s take a look at some of the benefits this insurance policy offers:

1. Early Financial Support Upon Diagnosis 

The policy pays a lump sum amount on diagnosis (as per defined criteria), which can be used for:

●      Hospitalisation and treatment

●      Travel for specialised treatment

●      Lifestyle modifications (hiring domestic help, nutritious food, etc.)

●      Monthly bills or EMIs

This ensures financial stability for you and your loved ones during treatment.

2. Coverage for Other Critical Illnesses 

Along with Breast Cancer, the plan also covers multiple other life-threatening conditions, including:

●      Uterine/Cervical Cancer

●      Mulititrauma

●      Permanent Paralysis of Limbs

●      Ovarian Cancer

●      Fallopian Tube Cancer

Making it an all-in-one Health Insurance For Women that protects against multiple critical illnesses.

3. Easy Access to Cashless Health Insurance Facilities 

With Bajaj Allianz General Insurance Company’s Cashless Health Insurance, you can access treatment at 18,400+ network hospitals without upfront payments, ensuring immediate care when time is critical.

4. Affordable Premiums with Multiple Sum Insured Options 

Get coverage starting as low as INR 5.00,000 and going up to INR 20,00,000 lakhs, based on your age and requirements. Premiums are competitively priced and vary with your:

●      Age

●      Sum insured

●      Policy tenure

What Does Bajaj Allianz General Insurance Company's Breast Cancer Cover Include? 

This specialised plan covers Cancer of specified severity, which includes breast cancer, provided it meets the defined severity criteria. Here's what you get:

●      Lump Sum Benefit: A one-time payout to use at your discretion for treatment, recovery, travel, or income replacement.

●      Children's Education Bonus: If a critical illness claim is paid, a one-time payment of Rs. 25,000 is provided for the future education of dependent children.

●      Loss of Job Benefit: If the insured loses their job within three months of a critical illness diagnosis (covered by the policy), a payment of Rs. 25,000 is made.

●      Cashless Health Insurance: Access to over 18,400+ network hospitals for cashless treatment under your base policy.

●      Tax Benefits: Enjoy deductions under Section 80D of the Income Tax Act of 1961.

Who Should Opt for Breast Cancer Insurance?

Every woman who values their health and financial well-being should consider this plan, especially:

●      Women aged 21 to 65 years

●      Working professionals

●      Primary caregivers

●      Individuals with a family history of cancer

It’s also an excellent add-on for those who already have Health Insurance For Breast Cancer but need extended protection with higher sum insured options and critical illness coverage.

Comparison Between Health Insurance For Breast Cancer vs. Regular Health Insurance 

When it comes to financial protection against medical emergencies, both regular health insurance and critical illness plans like Breast Cancer Insurance play important roles. However, the coverage they provide differs significantly, especially when facing a serious illness like breast cancer.

A regular health insurance policy typically covers hospitalisation expenses, including room charges, surgeries, diagnostics, and in-patient treatments. It is highly effective for general medical needs and offers cashless health insurance benefits at network hospitals. Additionally, policyholders enjoy tax benefits under Section 80D of the Income Tax Act. However, regular plans have limitations when it comes to managing high-cost illnesses like cancer. They often exclude outpatient consultations, long-term medication, lifestyle-related recovery support, and most importantly, they do not provide lump sum payouts or income replacement.

On the other hand, Health Insurance for Breast Cancer from Bajaj Allianz General Insurance Company is specially designed to bridge these gaps. It offers a lump sum benefit upon diagnosis of breast cancer, giving policyholders the freedom to use the funds as needed, whether for specialised treatment, travel, rehabilitation, or managing daily expenses. It also compensates for lost income during recovery, making it a valuable financial cushion, especially for those who are primary earners. This insurance focuses solely on specific critical illnesses like breast cancer, ensuring comprehensive support for both medical and non-medical needs.

Here’s how they compare:

Documents Required for Claim

To ensure a hassle-free claim process, keep the following documents handy:

1. Duly signed Critical Illness Claim Form and NEFT Form (signed by the Claimant).
2. Copy of Discharge Summary or Discharge Certificate.
3. Copy of the Final Hospital Bill.
4. Policy Copy.
5. First consultation letter regarding the illness.
6. Medical certificate detailing the illness's duration.
7. All relevant investigation reports for the diagnosed illness.
8. Medical certification from a specialist.
9. FIR copy (if claim is due to burns).
10. HR certification stating reason for job discontinuation (for loss of job claims).
11. Copies of Aadhaar card & PAN card (if not already linked to the policy).

How to Buy Breast Cancer Insurance Online? 

Buying your Health Insurance For Breast Cancer with Bajaj Allianz General Insurance Company is quick and seamless:

1. Visit www.bajajallianz.com
2. Go to “Women Specific Critical Illness Insurance.”
3. Select your desired cover
4. Get a quote, submit details, and pay securely
5. Get instant policy issuance and e-copy via email

Alternatively, you can call the toll-free number 1800-209-0144 or visit the nearest branch.

Inclusions and Exclusions You Should Be Aware About 

Inclusions: 

●      Coverage for Cancer of Specified Severity, including eligible stages of breast cancer.

●      Diagnostic expenses such as mammograms, biopsies, MRIs, and lab tests.

●      Hospitalisation costs, including surgery, chemotherapy, radiation therapy, and post-treatment care.

●      The second opinion benefit of expert medical advice from a different specialist.

●      Lump-sum payout option to help manage income loss, lifestyle changes, or other non-medical expenses.

●      Cashless treatment facility across numerous Bajaj Allianz General Insurance Company’s network hospitals for hassle-free access to quality care.

Exclusions: 

●      Critical illnesses diagnosed within the first 90 days of policy commencement are excluded.

●      Pre-existing conditions, treatments, or advice received before policy start.

●      Pregnancy, childbirth, and postpartum complications (except Congenital Disability Benefit).

●      Occupational diseases.

●      War, invasion, terrorism, and related events.

●      Natural disasters.

●      Radioactive contamination.

●      Consequential financial losses (e.g., loss of profit, goodwill).

●      Intentional self-injury, suicide, and substance abuse

Why Choose Bajaj Allianz for Breast Cancer Insurance? 

Bajaj Allianz General Insurance Company stands out for its focused approach and comprehensive support when considering breast cancer insurance. As a reputable insurer, they offer a women-specific critical illness plan designed to address the unique healthcare challenges women face.
This plan not only provides a guaranteed cash sum upon diagnosis but also acknowledges the potential financial strain from hospitalisation and job loss. Bajaj Allianz General Insurance Company's commitment to customer-centric policies ensures that women receive tailored coverage, promoting peace of mind during critical times.
Their established presence, backed by a strong financial foundation and extensive network, reinforces their reliability. Choosing Bajaj Allianz General Insurance Company means opting for an insurer that prioritises women’s health and financial well-being, providing a crucial safety net for those facing serious illnesses.

Conclusion

The women-specific critical illness plan by Bajaj Allianz General Insurance Company is designed to provide essential financial security against the risk of serious illnesses. This plan ensures a guaranteed cash payout by recognising the potential for increased financial strain due to hospitalisation costs and possible job loss following a critical diagnosis. This support allows women to focus on recovery without the added burden of financial worries. Tailored to address the unique health challenges faced by women, this policy offers peace of mind, knowing that in the event of a life-threatening illness, a crucial financial safety net is in place. It's a proactive step towards safeguarding both health and financial stability, ensuring that unexpected medical crises do not derail long-term security and well-being.