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कैंसर होने से पहले

भारत में कैंसर बहुत तेजी से फैल रहा है।
हर साल नए मरीजों की संख्या में इजाफा हो रहा है।
आप अगर तम्बाकू या धूम्रपान नहीं भी करते तो भी कैंसर की गिरफ्त में आ सकते हो।

आप खुशनसीब हैं अगर आप अभी तक इससे ग्रस्त नहीं हैं।

मगर कब तक ?

cancer होने पर आपको साधारणतः दस लाख तक या उससे अधिक की जरूरत पड़ सकती है।

यह सुविधा 20 वर्ष से 65 वर्ष आयु के लोगों के लिए है

जिनके घर में कैंसर अनुवांशिक (heridatry) तौर पर है, या उन्हें आशंका है कि तेजी से बदलते रहनसहन से वो जल्द ही कैंसर की गिरफ्त में आ जाएंगे

A report by the Economic Times estimated that the following were the average costs of treatment for different types of cancer as of 2018:

  •     Lung cancer  - 4.6 lakhs
  •     Oral cancer 4.3 lakhs
  •     Breast cancer - 6 lakhs
  •     Cervical cancer - 5 lakhs
  •     Colorectal cancer - 5 lakhs

ONLY ONE QUESTION

CAN YOU BEAR THE COST OF CANCER TREATMENT ?

If your answer is YES then read NO MORE...

If your answer is NO then raise your GUARDS and be ready...

financially

REASONS that might cause CANCER to you ?

The following are some of the reasons which we can control if there is a will.

  • Cholesterol.
  • Statins.
  • Saturated oils.
  • Sugar and substitutes.
  • Pesticides.
  • Preservative.
  • Air pollution.
  • Heavy exposure to asbestos.
  • Heavy exposure to pollution from industrial wastes.
  • Heavy exposure to passive tobacco consumption.
    Chronic Stress & Strain.
    Regular consumption of ‘colas’ with massive doses of insecticides.
  • Regular & excessive alcohol consumption.
  • If staple diet/food includes pizzas, burgers, deep freezed and deep fried chicken, mutton, pork cured meat, etc.
  • Skin Cancer Exposure to Sun’s rays @ odd hours
  • Excessive exposure to radiation emanating from cell phones, transmission towers, etc.
  • 24X7-Wearing of bra by the modern woman.
  • Late marriages and late pregnancies, avoiding breast feeding the infant—breast cancer.
  • Nutritional deficiencies
and you thought is not chewing tobacco or smoking ciggarate, you are immune to cancer?

Have a financial BACKUP plan ready which will HELP you fighting CANCER if diagnosed.

Here is your BACKUP plan, which will save you from taking financial burden when diagnosed with cancer, or will not let you sell your assets for treatment.

Plan is designed to ensure if the insured is detected with cancer, the person gets required funds that will get him access to the best of health care which is necessary to fight the life threating disease.

The benefits are dependent of the stage of cancer which you have been detected with.

They are as follows:

Early Stage Cancer

In case you are detected with Early stage cancer which are specified, you get the following benefits.

  •     Lumpsum Benefit: 25% of Applicable Sum Insured is paid out
  •     Premium Waiver Benefit: Premiums for next three policy years or balance policy term whichever is lower, shall be waived from the policy anniversary coinciding or following the date of diagnosis.

Early Stage Cancer covered in LIC Cancer Cover Plan :

The diagnosis of any of the listed below conditions must be established by histological evidence and be confirmed by a specialist in the relevant field.

  • Carcinoma-in-situ (CIS): Carcinoma-in-situ means the presence of malignant cancer cells that remain within the cell group from which they arose. It must involve the full thickness of the epithelium but does not cross basement membranes and it does not invade the surrounding tissue or organ. The diagnosis of which must be positively established by microscopic examination of fixed tissues.
  • Prostate Cancer – early stage: Early Prostate Cancer that is histologically described using the TNM classification as T1N0M0 with a Gleason Score 2 (two) to 6(six).
  • Thyroid Cancer – early stage: All thyroid cancers that are less than 2.0 cm and histologically classified as T1N0M0 according to TNM classification.
  • Bladder Cancer – early stage: All tumors of the urinary bladder histologically classified as TaNoMo according to TNM classification.  
  • Chronic Lymphocytic Leukaemia – early stage: Chronic Lymphocytic Leukaemia categorized as stage 0 (zero) to 2 (two) as per the Rai classification.
  • Cervical Intraepithelial Neoplasia: Severe Cervical Dysplasia reported as Cervical Intraepithelial Neoplasia 3 (CIN3) on cone biopsy.

The following are specifically excluded from all early stage cancer benefits (Exclusions):

  •     All tumors which are histologically described as benign, borderline malignant, or low malignant     potential
  •     Dysplasia, intra-epithelial neoplasia or squamous intra-epithelial lesions
  •     Carcinoma in-situ of skin and Melanoma in-situ
  •     All tumors in the presence of HIV infection are excluded

 

Major Stage Cancer

In case you are detected with Major stage cancer which are specified, you get the following benefits.

  • Lumpsum Benefit: 100% of Applicable Sum Insured less any previously paid claims in respect of Early Stage Cancer is paid to you.
  • Income Benefit: 1% of Applicable Sum Insured shall be payable on each policy month following the payment of Lump Sum amount, for a fixed period of next ten years irrespective of the survival of the Life Insured and even if this period of 120 months goes beyond the policy term.
  • Premium Waiver Benefit: All the future premiums shall be waived from the next policy anniversary and the policy shall be free from all liabilities except to the extent of Income Benefit as specified above.

ALSO you will get two OPTIONS to choose from

Option A – Level Sum Insured
In this option, the sum insured of the plan will be fixed for the entire tenure of the plan.

Option B – Increasing Sum Insured
In this option, the sum insured in the plan increases by 10% after the first policy anniversary for the next 5 years or until the time the insured is detected with cancer, whichever is earlier.

Important points

  • If the policyholder claims for different stages of the same cancer simultaneously, then the benefit will be paid out for the higher claim accepted under the policy.
  • If the policyholder is diagnosed with more than one cancer, then the corporation will pay-out the benefit that relates to one cancer only and for the highest amount applicable.
  • It is to be noted there are no surrender value, loan facility or maturity benefit available in the policy. This policy is purely a protection policy specific to cancer related illnesses.
  • For income benefit even if the policyholder dies in between the period of 120 months, the remaining pay-outs will be made to the nominee mentioned in the policy.
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