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Cancer Risk Insurance
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You
need more than courage to fight Cancer...
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How?
By becoming a member of the Indian Cancer Society you are
covered by New India Assurance's innovative new Cancer
Insurance Policy...automatically.
Cancer can strike at any age, anytime ... and is rightly
called "the enemy within". In fact, it is a genetic accident
caused by various factors pertinent to the environment we all
live in and are exposed to. There are ways and ways of people
reacting to cancer. But, generally speaking, people take it
for granted that it is a terminal illness, with no possibility
of a cure.
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Cancer is curable if detected early enough.
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There are hundreds of patients who are now
leading normal lives because cancer was diagnosed and treated
at an early stage. But, for a large number, treatment for
cancer is too expensive. This proves more detrimental to their
treatment and recovery than the insidious cancer cell. The
Cancer Insurance Policy will provide all these people with the
helping hand they need.
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How
does this new policy work?
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The policy has been devised to provide
financial cover for anybody who may be stricken by this
malignant disease. New India Assurance have planned this cover
meticulously, in consultation with the medical experts of the
Indian Cancer Society, to meet a long-felt socio-economic
need. In fact this particular cover offered by New India
Assurance is unique in that so far India is only the 3rd
country in the world to provide it.
According to the agreement, anyone who wants to avail of this
cover has to join the Indian Cancer Society. The only proviso
being that, at the time of seeking the membership, the person
concerned should not be a cancer patient or a potential cancer
case. The policy comes into operation only after the first one
month of membership.
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What benefits does this cover offer?
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The Cancer Insurance Policy offers you
coverage of Rs.50,000/- +5%. Additional sum insured up to
Rs.75,000 for every claim free renewal, an amount normally
incurred by an individual or his family to fight this dreaded
disease. The policy covers both the member and spouse -
regardless of whose name the membership is in. But once either
of them contracts the disease the other would not be entitled
for any benefits under the same policy. However, he/she can
always take another membership.
The membership also gets a number of other benefits, chief
amongst them being the facility of regular check-ups for
cancer. Because early detection means an effective cure.
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Details of the benefits offered by this scheme
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The Cancer Insurance Policy offers
adequate coverage towards the costs of diagnosis, biopsy,
surgery, chemotherapy and/or radiotherapy, hospitalization
and rehabilitation.
Reimbursement of claims is made every quarter for actual
expenses incurred, until the entire sum insured is exhausted
or the insured is declared cured whichever is earlier.
Should the entire sum insured be exhausted and any
additional expenses incurred, a 50% discount on chemotherapy
drugs is offered by the Indian Cancer Society.
- One free cancer check-up at the Cancer Society's
Detection Centre. Thereafter, concessional check-ups at the
rate of 50% of cost will be charged at Bombay and other
centres as established.
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Free access to lay literature on cancer
available with the Society. And at the Society's discretion
facilities would be available at the Rehabilitation Centre
at Bombay. At other centres these facilities would be
available as and when established.
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Any other rights and benefits as declared
by the Managing Committee of the Society from time to time.
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What are the types of memberships offered by the Society?
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To be eligible for this policy, all you
have to do is to become a well-wisher member of the Indian
Cancer Society. For an annual fee of Rs.200/- and an entrance
fee of Rs.75/- the well-wisher member is automatically
entitled to the Cancer Insurance Policy.
The other categories of memberships are:
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Well-wisher life members for a fee of
Rs.3,000/- one time payment.
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Corporate membership (to cover 25
officers/employees of a Company) for an annual fee of
Rs.5,000/- and entrance fee of Rs.2,000/-.
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Ordinary membership (which gives the
member voting rights in the Society's activities) for an
annual fee of Rs.1,000/- and entrance fee of Rs.500/-.
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Insurance can be extended to provide
cover for two dependent children for Medical Expenses upto
Rs. 50,000/- separately, on payment of additional premium of
Rs. 53/- for one child and Rs. 105/- for two children (from
age 1 to 20 years).
*Group Discount to a Group of more than
25 persons will be allowed between 15% to 66-2/3% of a
Membership fee.
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New
India Assurance offer a worry-free life after cancer
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Remember the best protection is early
detection. Most types of cancer, if detected early, can be
treated effectively. Today, there are thousands of people all
over the world who have had cancer and have been cured. They
now lead normal lives.
Now, the membership of the Indian Cancer
Society provides you with an avenue to have check-ups
regularly. And should cancer be detected, it provides
substantial financial support so that you can be adequately
treated in time , allowing you not only to lead a normal life
after cancer ... but one with no financial worries.
The New India Cancer Insurance Policy
relieves you of the crippling costs of curing cancer giving
you a new lease on life. And hope for a happy and normal
future. |
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