How Much is Cancer Treatment with Insurance?
Cancer is a potentially life-threatening disease, and its treatment is expensive, depending on the stage and type. What’s more, the expense can be burdensome, particularly if the treatment lasts for several months or years. As per a study in 2023, cancer patients in India spend over ₹3 Lakhs per year on treatment.
This is why availing health insurance is crucial to mitigate the financial burden of cancer treatment. Now, if you are insured, you are likely to wonder how much of the cancer treatment cost will be covered by your insurer and what your alternatives are.
Keep reading for a better understanding!
How Much Does Treatment of Cancer Cost in India?
Cancer treatment charges may get too high if you are not ready with a financial backup beforehand. Here is a tabular discussion of various cancer treatments alongside their costs, which will be covered by health insurance plans for insured individuals:
| Type of Cancer Treatment | Cost in India |
| Surgery | Organ-based cancer treatment generally ranges between ₹2,80,000 to ₹10,50,000 in India. However, this cost may vary based on the location and stage of cancer. |
| Radiation Therapy | The cost of radiation therapy in India depends on the patient's needs, whether they need external therapy (₹30,000 to ₹20,00,000) or internal therapy (₹61,960 to ₹5,16,337). |
| Robotic Surgery | The charges for robotic surgery are approximately ₹5,25,000. |
| Chemotherapy | The cost of chemotherapy in India is about ₹18,000 per session, based on the cancer's nature. |
| Immunotherapy | The cost ranges between ₹4,41,000 and ₹4,55,000. This cost is expected to occur once a month for at least two years. |
| Bone Marrow Transplant | A bone marrow transplant is required in the treatment of blood cancer. The charges typically range between ₹15,00,000 to ₹48,00,000. |
| Hormone Therapy | The charges of hormone therapy mainly depend on the nature and severity of the cancer. Usually, the cost starts from ₹3,22,845 onwards. |
| Targeted Therapy | This treatment method is usually adopted with chemotherapy and its cost ranges between ₹2,00,000 and ₹2,50,000. |
Factors Affecting Cancer Health Insurance Premiums
There are various factors that affect the premium of cancer health insurance. Individuals need to pay these premiums on time so that the insurer can help cover their treatment costs if they are diagnosed with cancer. Here are some key factors that influence the cost of cancer health insurance:
●Age: Younger people generally have lower premiums since they have fewer chances of seeking medical intervention than older people.
●Medical History: In case of a family history of cancer or other long-term diseases, your premium would be higher since there are increased chances of requiring cancer treatment.
●Smoker/Non-Smoker: Smokers have to pay a higher amount of premiums due to their higher likelihood of developing lung cancer and other illnesses associated with smoking.
●Pre-existing Health Conditions: Individuals with pre-existing health conditions, for example, cancer or other long-term diseases, will most likely pay more for extra coverage of such conditions.
●Geographical Location: Insurance rates may differ depending on the region where you reside.
●Profession/Occupation: Certain occupations that involve exposure to harmful environments can cause higher premiums as a result of the increased chances of health issues, such as cancer.
How Cancer Insurance is Beneficial for Patients?
Cancer treatment could be highly expensive, which can drain all your hard-earned savings. To cope with this, availing a cancer insurance plan can be beneficial. It pays a lump sum in the event of diagnosis so that you do not have to utilise your savings for your treatment.
In most cancer insurance plans, premiums are waived under specific circumstances and the sum insured increases every year at a certain percentage when there are no claims. Furthermore, if you choose a larger deductible, it can reduce the premiums without compromising on the policy coverage.
With the Star Cancer Care Platinum Insurance Plan, you can get cashless treatment for covered cancer-related ailments in 14,000+ network hospitals across India.
Call now and let finances be the last thing that stands in your way of proper treatment!
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This FAQ page contains information for general purpose only and has no medical or legal advice. For any personalized advice, do refer company's policy documents or consult a licensed health insurance agent. T & C apply.