Cancer Insurance

Protect your loved ones against any type of cancer with a cancer insurance plan.

What is Cancer Insurance?

Cancer insurance helps deal with the overwhelming costs of cancer treatment. Signing up for a cancer cover policy ensures that all expenses for the treatment are covered. Early diagnosis and treatment often lead to full recovery of a patient. A cancer Mediclaim goes a long way in ensuring that you don’t exhaust your life’s savings.

There are different types of cancer health insurance policies. Some are suited better for children, some for senior citizens. Insurance policies sometimes also depend on the specific cancer stage. Try Navi’s comprehensive cancer insurance plan to get benefits like cashless claims across 10,000+ hospitals, quick claim settlements, medical bill coverage, and more.

Features and Benefits of Cancer Insurance

Features and Benefits of Cancer Insurance

A cancer policy can present a number of facilities during times of uncertainty.
Here are the features and benefits of Navi Health Insurance with cancer cover:

Get access to a network of over 10,000 hospitals. Avail cashless claim benefits at any of these hospitals, and Navi will take care of all your medical expenses.
Navi Health Insurance eliminates the need for heavy paperwork. Everything is done online on the Navi app, from buying the insurance plan to claim settlement.
Get a no-claim bonus if you make zero claims on your insurance in a single policy year. A percentage of the insured sum is carried forward to the following year.
Navi’s cancer care plan provides an additional sum to aid treatment if the insured suffers a road accident complicating their existing cancerous condition.
Automatic restoration of the entire base sum used to sign up for your specific policy in a policy year.
Get cancer mediclaim coverage starting from ₹2 lakh and going up to ₹1 crore. Monthly EMIs start at ₹235.
For every 4000 steps you take each day for a minimum of 250 days, you will receive a special discount of 5% on your premium at its renewal.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Cancer Insurance Plan?

A cancer care policy safeguards individuals diagnosed with cancer. Here’s why you need one:

Financial Protection

To reduce your financial burden, you must have a cancer plan that protects your savings by minimising your expenditure.

Absolute Coverage for the Patient

Since cancer treatment can be lengthy and financially exhausting, the insurance assures monetary and health security.

Affordable premiums

Insurance premiums lessen your monetary expenses and ensure you don’t have to pay exorbitant amounts to the hospital.

Tax Benefits

Individuals below 60 years can get a maximum tax deduction of ₹40,000 and a maximum deductible of ₹1 lakh if they’re above 60 under section 80DDB of the Income Tax Act.

Protection Against Lifestyle Diseases

Cancer health insurance would ensure protection from complications and risks arising from lifestyle-related diseases.

How to Buy Cancer Insurance

Planning to buy a cancer insurance policy? To get maximum benefits with affordable premiums, try Navi. Download the Navi app to d sign up for comprehensive health insurance with cancer cover.

Follow these steps to buy Navi Health Insurance with cancer cover:

Download the Navi app from Play Store or App Store
Navi’s insurance advisor will ask a few questions
Get a quote right away that is based on your health and personal information
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

How to Buy Cancer Insurance

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Cancer Insurance

How to File Claim for Cancer Insurance

Follow these steps to take to file cashless claims and reimbursement claims for your cancer care policy:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track the claim status through the claims tracker
  4. You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

Manipal.c463cdb4

Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

Trusted by Millions of Users

1 M+
App Downloads
1 L+
Loan Sanctioned
1 K+
Loan amount disbursed
1 L+
Active Loans

What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

The deductible is the amount of money you pay as the policyholder before making an insurance claim. The insurance company will pay for your claim to you or the hospital directly only after the payment of the deductible. It is important to know that the insurance company covers the claim only if it stands higher than the deductible.
A cancer cover policy falls under the individual plan construct. At Navi, the maximum number of adults under an individual plan is two. In a family plan, however, you can cover yourself, your spouse, your parents/in-laws and your dependent children until they are 18 years of age. If more than one individual is suffering or your family has a history of cancer, a family plan would be better suited than an individual one.
There are different terms and conditions, exclusive premiums, and discounts offered by insurance companies for pre-existing medical conditions besides the one you are insured for. Thus, you should always check with the company for the same before signing up for the insurance.
Navi’s cancer policy allows the insurance term to be of 20 years, given that the maturity age of the patient is more than 75 years. You can issue a policy for a patient falling in the age bracket of 18 to 65. However, if you insure someone who is 65 years old, the patient will only be able to avail of 10 of the 20 years of your policy.
The copay clause demands you pay some of the expenses incurred during medical treatment. If your policy comes with a copay clause of ₹20,000 and the total amount incurred is ₹30,000, the insurance company will only pay ₹10,000, while you will have to pay the remaining ₹20,000. But at Navi, we do not have any copay clause, which means that Navi will cover the entirety of the procedure for you.
A balance sum is the amount of money left after a claim has been made, ranging from the initial sum amount to zero. For example, if your base sum was ₹30,000 and a claim was made of ₹25,000, the balance sum would be ₹5,000. There is no limit on the maximum number of claims in a single policy year. But that is only true if you have the balance sum covered by insurance.

Blogs

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

Apr 15

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

It’s wise to be prepared for a sudden medical emergency. A health insurance policy can provide necessary financial support to get medical treatment in time.

Read More
How To Claim Health Insurance And What To Do If The Claim Is Rejected?

Apr 15

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

It’s wise to be prepared for a sudden medical emergency. A health insurance policy can provide necessary financial support to get medical treatment in time.

Read More
10 Best Health Insurance For Parents In India Covering Age-Related Ailments

Mar 07

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

The perks of health insurance for parents include a higher insured sum and full coverage for a wide range of ailments arising due to age.

Read More
Features & Benefits Of Different Types Of Health Insurance Policies

Apr 30

Features & Benefits Of Different Types Of Health Insurance Policies

Health insurance offers financial protection in case of medical emergencies that may arise due to an accident or critical illness.

Read More

Explore our videos

What is No Claim Bonus in Health Insurance? | Benefits of No Claim Bonus (NCB) | Navi | Hindi
Waiting Period In Health Insurance | All You Need To Know In 2022 | Navi
Reimbursement OR Cashless Claim? | Choose Your Health Insurance Smartly | Navi
What is No Claim Bonus in Health Insurance? | Benefits of No Claim Bonus (NCB) | Navi | Hindi
Waiting Period In Health Insurance | All You Need To Know In 2022 | Navi
Reimbursement OR Cashless Claim? | Choose Your Health Insurance Smartly | Navi