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  • A worry-free life is a beautiful life,

    But what if it takes U-turn and strife?

    An evil like Cancer may hit you unexpectedly,

    But don’t let it hit your finances severely.

    No illness can define you,

    But your courage and strength can.

    Should there be a battle with cancer,

    Make sure you are financially ready with your answer.

    iCAN is all set to create a new milestone in India’s health

    insurance segment with a lifetime coverage for cancer.

    Because neither you should give up nor will we.

    Let’s beat cancer with

    Strength to win against cancer.

  • Plan Highlights

    Please refer to the policy wordings for complete understanding of benefits, terms and conditions and exclusions.

    Strength to win against cancer

    Life Long Indemnity

    Cover

    Conventional and

    Advanced Treatments

    CritiCare Benefit

    FamilyCare Benefit

    Follow up Care Post Treatment

    Pre-Post Hospitalization

    Emergency Ambulance

    Care

  • Strength to win against cancer

    Standard Plan

    We will cover medical expenses for hospitalization (inpatient and Daycare) and outpatient treatment taken for cancer.

    • Conventional treatment :

    • Chemotherapy

    • Radiotherapy

    • Organ transplantation, as part of Cancer treatment

    • Surgeries for excision of cancerous tissue or removal of organs/ tissues (Onco-surgery)

    • Pre- hospitalization expenses incurred in the 30 days immediately before the date of admission in the Hospital are covered

    • Post- hospitalization expenses incurred during 60 days immediately after insured person is discharged from the Hospital are covered

    • Emergency Ambulance - We would cover expenses incurred on transportation to a Hospital in case of an Emergency upto Rs.2000 per hospitalization

    • Follow Up care Post treatment : We will cover expenses incurred on medical examination upto Rs.3000 twice a year,

    after treatment for Cancer has been discontinued basis recommendation of Medical Practitioner for atleast six months with “No evidence of disease (NED)”.

    Advanced Plan (Optional benefit)

    In addition to coverage under Standard plan, following Advanced treatments would also be covered -

    • Proton beam therapy

    • Immunotherapy including immunology agents e.g. Interferon, TNF etc.

    • Personalised & Targeted therapy

    • Hormonal Therapy or Endocrine manipulation

    • Stem cell transplantation

    The Insured would have an option to request for a second opinion, on first diagnosis of Cancer. This would be provided through our panel of medical practitioners who would have access to artificial intelligence, deep analytics & cognitive software.

    Takes care of your medical expenses as long as you need MyCare Bene�t

    Second Opinion

  • Strength to win against cancer

    We would pay 100% of Sum Insured as lumpsum benefit over and above the base Sum Insured if the Insured gets diagnosed with either of the following, whichever is earlier:

    • Advanced metastatic Cancer (Stage IV) • Recurrence of Cancer

    This benefit is available for ages 18 years and above and is payable only once in policy lifetime

    Lumpsum bene�t to cover your �nancial needs CritiCare Bene�t (available with Enhance variant)

    We would pay 60% of Sum Insured as lumpsum benefit over and above the base Sum Insured, if the Insured is diagnosed with Cancer of Specified Severity as is defined in our policy. This benefit is available for ages 18 years and above and is payable only once in a policy lifetime.

    Lumpsum bene�t to take care of your loved ones Family Care Bene�t (available with Enhance variant)

    Anyone between the age of 5 and 65 years can buy this policy

    Who can buy this policy?

    Schedule of Benefits

    Product Variants

    Sum Insured Options (Rs.)

    MyCare Benefit

    5,10,15,20,25,50 lacs

    Second Opinion

    Conventional treatments

    Pre-Post Hospitalization

    Emergency Ambulance

    Follow Up care Post treatment

    Advanced treatments (Optional benefit)

    Available

    Available

    Available

    30 & 60 days

    Upto Rs.2000 per hospitalization

    Upto Rs.3000 twice a year

    CritiCare Benefit

    FamilyCare Benefit

    Not Available

    Not Available

    Lumpsum payment equivalent to 60% of sum insured

    Lumpsum payment equivalent to 100% of sum insured

    Essential Enhance

  • Strength to win against cancer

    The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act. Income tax rules are subject to change.

    Tax Bene�t

    • Life-long renewal: iCan comes with the option of life long renewal regardless of your health status or claims.

    • Waiting period: iCan comes with initial waiting period of 120 days.

    • Sum insured enhancement: Sum Insured can be enhanced only at the time of renewal subject to underwriting as per the plan. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced.

    • Free-look cancellation: We offer a period of 15 days from the date of receipt of the policy document to review the terms and conditions of this policy. In case of any objections, you have the option of cancel the policy and you shall be refunded the premium paid by you after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium.

    • Grace period: A grace period of 30 days for renewing the policy is provided under this policy.

    Things to Remember

    • Any Treatment other than for Cancer.

    • Pre-existing condition for cancer for which insured had existing signs & symptoms, and/or was diagnosed, and/ or received consultation, investigation, treatment or admission anytime prior to the date on which the policy was issued.

    • “AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human Immunodeficiency Virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS Related Complex), Lymphomas in brain, Kaposi’s sarcoma, tuberculosis.

    • Non Allopathic treatment

    • Prosthetic and other devices which are self-detachable /removable without surgery involving anaesthesia

    • Treatment availed outside India or at a healthcare facility which is NOT a Hospital

    • Congenital external diseases, defects or anomalies

    Please refer to the policy wordings for complete understanding of benefits, terms and conditions and exclusions.

    Exclusions

  • Strength to win against cancerStrength to win against cancer

    ANNUAL PREMIUM (excluding goods & services tax in INR) - ENHANCE PLAN

    Non-Smoker (MALE)

    Non-Smoker (FEMALE)

    Age Band / Sum Insured

    500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000

    5 - 10 685 784 871 985 1,110 1,658

    11 - 17 607 676 738 791 864 1,253

    18 - 25 1,064 1,162 1,267 1,351 1,449 2,518

    26 - 30 1,129 1,274 1,415 1,625 1,949 3,365

    31 - 35 1,172 1,335 1,650 2,012 2,390 4,187

    36 - 40 1,253 1,646 2,188 2,760 3,274 5,830

    41 - 45 1,631 2,488 3,387 4,254 5,016 8,998

    46 - 50 2,524 4,112 5,706 7,212 8,535 15,432

    51 - 55 4,084 7,003 9,771 12,234 14,911 27,321

    56 - 60 6,538 11,465 16,237 20,502 24,880 46,044

    61 - 65 9,884 16,940 24,327 31,597 38,398 70,623

    66 - 70^ 13,943 24,310 34,957 45,132 54,905 100,405

    71 - 75^ 19,791 34,609 49,858 64,418 77,789 141,978

    76 - 80^ 25,161 43,989 63,371 81,872 98,049 180,397

    81 - 85^ 30,824 53,909 77,556 100,185 120,208 221,404

    86 - 90^ 34,719 60,262 86,491 111,515 133,467 244,577

    91 - 95^ 42,010 71,382 102,391 131,532 155,605 284,595

    > 95 51,794 86,168 123,789 158,366 190,738 332,288

    Age Band / Sum Insured

    500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000

    5 - 10 633 710 780 835 910 1,345

    11 - 17 598 665 721 769 851 1,249

    18 - 25 1,139 1,264 1,417 1,596 1,944 3,336

    26 - 30 1,358 1,612 2,162 2,702 3,229 5,639

    31 - 35 1,680 2,494 3,414 4,307 5,153 9,207

    36 - 40 2,251 3,704 5,137 6,547 7,866 14,337

    41 - 45 3,216 5,517 7,730 9,848 11,833 21,739

    46 - 50 4,543 7,938 11,197 14,320 17,218 31,862

    51 - 55 6,336 11,211 15,822 20,093 24,507 45,547

    56 - 60 8,514 15,067 21,391 27,206 33,057 61,542

    61 - 65 11,009 19,039 27,220 35,211 42,769 79,055

    66 - 70^ 13,611 23,759 33,996 43,780 53,189 97,706

    71 - 75^ 16,964 29,603 42,434 54,649 65,941 120,500

    76 - 80^ 19,807 34,466 49,415 63,600 76,035 139,502

    81 - 85^ 22,609 39,297 56,291 72,413 86,567 158,677

    86 - 90^ 24,173 41,699 59,623 76,553 91,203 166,224

    91 - 95^ 27,861 47,098 67,353 86,191 101,497 184,923

    > 95 33,071 54,744 78,486 100,048 120,145 207,928

    ADVANCE

    ADVANCE

    ^ for renewals only

  • Strength to win against cancerStrength to win against cancer