Protecting Your Finances
Treatment for cancer can be quite expensive. Your savings may not be enough to cover all the costs you need to meet. A cancer medical insurance plan can help you cover the expenses during the course of treatment. An indemnity-based plan can help you afford treatment while a benefit-based plan may also help you afford costs that fall outside the purview of your health insurance coverage. This kind of financial protection truly gives peace of mind.- Need Help
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1800102111
Need Support?
Have Queries About Your Current Product? Please Write Us An Email & We'll Sort it Out.
customer.care@sbigeneral.in
Cover Yourself With
Cancer Insurance
- 6000+ Network Hospitals
- 24,700 SBI Branches
- 24/7 Customer Helpline
- ₹ 15000 Cr General Insurance Claims Handled
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Why Cancer Insurance?
With the rising medical expenses, a health-related contingency like cancer can take toll on your finances. This is where having the protection of a cancer insurance plan can prove to be a saviour. A cancer health insurance policy can help you access the best treatment without you worrying about the medical expenses. The financial security offered by this form of coverage lets you breathe easy, knowing that your savings won’t get depleted in your hour of need.
SBI General Insurance has a range of health insurance plans that can secure you against many unforeseen illnesses. We offer cancer insurance as a rider on indemnity health insurance plans and as a part of a benefit-based payout in critical illness insurance.
Cancer Health Insurance Plans from SBI General Insurance
SBI General Insurance offers a cancer coverage through indemnity-based and benefit-based plans. An indemnity-based plan pays you the actuals of treatment costs up to policy limits. This plan can be enhanced with the help of riders that offer a lump sum payout for serious illnesses like cancer. A benefit-based plan directly pays you a lump sum amount that you can utilise for any expenses you meet during the course of treatment.
Why Do You Need Cancer Health Insurance Plan?
Having a cancer insurance plan can help you by:
Offering Cashless Hospitalisation
Having coverage for cancer means you can enjoy cashless hospitalisation under an indemnity-based health insurance plan. This way, you can focus on getting the help and care you need without having to worry about your finances. SBI General Insurance has a wide network of cashless hospitals across the country.
Functioning as Income Replacement
A benefit-based plan like <a href="https://www.sbigeneral.in/health-insurance/critical-illness-insurance">critical illness insurance</a> can act as income replacement in case you need to stop working while receiving treatment through chemotherapy. The lump sum payout can help you pay your bills and keep your home running.
Tax Benefit
The premiums you pay for health insurance plans are eligible for tax deductions under Section 80D of the prevailing tax laws. You can avail these deductions for the premiums you pay for yourself, your spouse, dependent children, and parents.How to Choose a Cancer Health Insurance Policy?
If you are buying a cancer health insurance policy for the first time, keep the following points in mind:
Indemnity and Benefit-Based Coverage
There are two types of cancer insurance you can get – an indemnity-based plan with cancer cover rider or a benefit-based plan.
An indemnity plan will cover you for the actual expenses you face while its rider gives a lump sum pay-out, whereas a benefit-based plan just pays you a lump sum amount. You can opt for both these plans to have a comprehnesive coverage when you need it the most.
Sum Insured
When choosing a cancer health policy, you need to be very particular about selecting the right sum insured. To make a good decision, check the costs of hospital expenses in your city. If you will be opting for an income benefit plan, calculate your monthly expenses to arrive at the correct figure.
Network Hospitals
In order to benefit from cashless treatments, you may avail treatment in Insurer's network empanelled hospital located close to where you live. This will make it easier for you to utilise the full value of your cancer health insurance plan.
Additional Benefits
When buying coverage look for additional benefits offered by the insurer. For instance, SBI General Insurance offers a 15-day free look period on its Critical Illness Insurance Policy. These benefits give you time to study the coverage you have and help you make a good decision.
Indemnity and Benefit-Based Coverage
Sum Insured
Network Hospitals
Additional Benefits
Indemnity and Benefit-Based Coverage
There are two types of cancer insurance you can get – an indemnity-based plan with cancer cover rider or a benefit-based plan.
An indemnity plan will cover you for the actual expenses you face while its rider gives a lump sum pay-out, whereas a benefit-based plan just pays you a lump sum amount. You can opt for both these plans to have a comprehnesive coverage when you need it the most.
Sum Insured
When choosing a cancer health policy, you need to be very particular about selecting the right sum insured. To make a good decision, check the costs of hospital expenses in your city. If you will be opting for an income benefit plan, calculate your monthly expenses to arrive at the correct figure.
Network Hospitals
In order to benefit from cashless treatments, you may avail treatment in Insurer's network empanelled hospital located close to where you live. This will make it easier for you to utilise the full value of your cancer health insurance plan.
Additional Benefits
When buying coverage look for additional benefits offered by the insurer. For instance, SBI General Insurance offers a 15-day free look period on its Critical Illness Insurance Policy. These benefits give you time to study the coverage you have and help you make a good decision.
How to Buy Cancer Health Insurance Plans?
You can buy a cancer insurance plan from SBI General Insurance either in person or online.
Branch Visit
Simply visit one of our branches that is closest to where you live. Our staff will guide you through the entire process of purchasing the right protection plan. They will explain to you how the cancer cover works and also address any queries that you may have. You can also get help with filling the form. Alternatively, you can also get help from one of our agents. We have over 10,000 agents who can help you get the coverage you need.
Online
You can also buy a cancer medical insurance plan online from our website. We recommend that you get your coverage online as the entire purchasing process is quick, contactless, and convenient. You can take your time to explore our range of insurance products and select the one that meets your needs. If you get stuck at any point during the process, you can always reach out to one of our support staff for assistance.
Our website has a user-friendly interface so that you can buy the coverage you need without any hassles. Once you have completed your purchase, we will email a copy of your cancer insurance plan to you so that you can access it whenever you need to.
How to Raise a Cancer Insurance Claim?
At SBI General Insurance, we believe in simplifying the process of raising claims. We understand that you already have so much to handle, and so we try our best to make things a little easier for you. To raise a claim with us, just follow these four easy steps for a hassle-free claim:
1Step
Contact us
To raise a claim for cancer insurance, simply reach out to us by phone, text, or email. You can call us at 1800 210 3366 / 1800 210 6366 OR email details on sbig.health@sbigeneral.in
2Step
Receive
Assistance
As soon as you get in touch, one of our support staff will help you with the documentation and formalities you need to follow for your unique claim. Let us know in case you need any assistance in filling up the form.
3Step
Collect & Submit
Documents
Now, you need to submit all the required documents to us so that we can review and process your claim.
4Step
Review &
Settlement
Upon review, we will settle all relevant and valid claims. Do feel free to contact us at any point during this stage for any queries you may have.
FAQs
Our policies can be purchased by anyone between the ages of 18 to 65 years. For indemnity-based family plans, children can be included for coverage from the age of 91 days. For Critical illness Insurance- benefit based plans, members between 18-65 years can be covered on individual basis
SBI General Insurance offers you a grace period of 30 days during which you can pay the premium to enjoy a continuity of benefits. If you miss out on paying the premium during the grace period as well, then the benefits of the plan lapse.
A family floater plan covers you, your spouse, your dependent children, parents, and parents-in law.
- Contact us on our Tollfree Customer care number – 18001021111
- You may visit our website – www.sbigeneral.in
- You may send us an email – customer.care@sbigeneral.in
Alternatively, you may meet us in person at one of our branches near you. Our office timings are 9:30 AM to 5:30 PM (Monday to Friday)
Critical Illness Health Insurance - UIN: SBIHLIP11004V011011
Arogya Supreme Health Insurance - UIN: SBIHLIP21043V012122
Disclaimer: The coverages/benefits and the extent of coverage may vary between plans. Please read the policy wordings carefully before making a purchase.
Tax benefits are subject to changes in tax laws.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
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