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CPAA: Cancer Insurance Policy CPAA: Cancer Insurance Policy
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Cancer Insurance Policy

From diagnosis onwards, cancer treatment follows a progression, involving combinations of surgery to remove the tumour, radiation to kill cancer cells in surrounding tissue, chemotherapy to target cells that may have traveled from the original site and reconstructive surgery to restore the part removed to as close to its original appearance as possible. This can be an extremely expensive proposition for even the relatively wealthy.

In 1994, CPAA introduced the Cancer Insurance Policy in collaboration with New India Assurance Company. The policy is available to healthy individuals who have not suffered from cancer in the past.

An individual wishing to take this policy must first undergo a mandatory free check up at one of the CPAA’s Cancer Detection Centres. During the checkup, a Physician, a General Surgeon, a Gynaecologist and an E.N.T. Surgeon will screen them. Basic blood tests and a Pap smear test (for women) will be performed.

If the individual is found to be symptom-less as per the screening procedure, they are then enrolled under the scheme of their choice from those listed below. The policy takes effect 30 days from the date of the medical check up. If a pre-cancerous condition is detected, the patient is kept as a follow up case, and enrolled in the scheme after treatment and recovery.

In some cases additional tests may be necessary, charges for which will be reimbursed for the first check-up. If cancer is detected during the check-up, the policy will not be issued and the premium charge will be returned after deducting charges for any extra investigations conducted. 

The policy has many unique benefits. If the person is subsequently found to be suffering from cancer, reimbursement of expenses for treatment, hospitalisation, investigations related to cancer as specified in the policy document up to the insured amount will be made each year against bills submitted until the patient is considered cured or succumbs to the disease. All treatment has to be taken in India and must be allopathic in nature.

15 Year Comprehensive Scheme
(Effective 21st August, 2003)

 
Sum Insured
One time Lumpsum Payment
Category
(Rs.)
(Rs.)
I
 30,000
2,400
II  
50,000
3,000
III
1,00,000
4,700
IV
1,50,000
6,300
V
2,00,000
8,000

The policy also covers a free annual check-up at CPAA facilities. Literature and information about the disease will be available to the policy holder. 80G certificate for 50% tax exemption will be provided. A cumulative bonus payable to the policy holder shall be increased by 5% on the sum assured for every year during which the policy has been in force prior to claim but this increase will not exceed 50% of the sum insured.

It should be pointed out here that as per the Insurance Act, New India Assurance Company is not allowed to issue policies for more than one year. Once a policyholder contracted cancer, therefore, he was unable to renew his insurance in subsequent years, as the ailment was no longer a fortuity. This meant that the patient could only get one claim and could not get ongoing medical reimbursement for treatment, which generally spans several years. In the case of the Cancer Insurance Policy, however, CPAA helped to overcome this drawback and a novel arrangement has been forged whereby the insured person is covered for the longer term. This means that the policyholder has the benefit of a fresh limit every year to take care of his treatment expenses.

CPAA also undertakes to pay premiums in a timely manner before the expiry of the policy so that the policyholder holds a current policy at all times.

Whenever a claim is submitted, CPAA interacts with the patient on one hand and New India Assurance Company on the other hand to ensure that it is settled quickly. Since inception, 210 patients have made 838 claims. CPAA ensures that claim forms are completely filled in as required with the entire requisite supporting documents. CPAA also confirms that the bills are for cancer related treatment

Email us at insurance@cancer.org.in or call +91 22 24924000 / +91 22 24921856 / +91 22 24928775, if you would like someone to contact you regarding the Cancer Insurance policy.


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