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HDFC ERGO iCan Cancer Insurance Plan

The iCan Cancer plan by HDFC ERGO Health Insurance Company offers cove ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

About HDFC ERGO iCan Cancer Insurance Plan

A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.

iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during cancer treatment. In addition to the standard coverage, the plan offers additional coverage for costs related to cancer treatment.

An advanced plan is also available, offering additional coverage for cancer treatment costs. Upon an initial cancer diagnosis within the policy term, the plan provides for a medical second opinion.

Relations Covered: Self, spouse, dependent children, dependent parents, and dependent parents-in-law.

There are two variants of the iCan Cancer Insurance Plan:

  • iCan Essential
  • iCan Enhance

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
5 years to 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
120 days
Renewability
N/A
Policy term
1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cancer cover
  • In-patient hospitalization
  • Ambulance cover

Cons

  • Maternity cover
  • Newborn cover
  • Organ donor cover
  • Global coverage

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC Ergo Health Insurance Plan Detailed Review

HDFC Ergo Health Insurance Plan Detailed Review

This review video of the HDFC ERGO health insurance plan discusses various options & variants this plan offers in India.

iCan Cancer Plan Benefits

The iCan Cancer Health Insurance plan offers several benefits to its customers, including CritiCare benefits and lifelong coverage.

  • Lifelong Coverage

    There is a high chance of cancer recurrence in the first five years after treatment. The plan provides lifetime coverage regardless of medical state and age, which is particularly beneficial for women as the probability of cancer increases with age.

  • CritiCare Benefit

    If diagnosed with cancer, the insured receives a 60% lump sum payout of the sum insured. For example, if the insured sum is Rs. 20 lakhs, the insured receives Rs. 12 lakhs as a lump sum while still having access to the base 20 lakhs for treatment expenses.

  • FamilyCare Benefit

    Upon diagnosis of stage IV cancer or recurrence, a 100% lump sum payment of the sum insured is provided. For instance, if the cover is Rs. 20 lakhs, the policyholder receives a lump sum of 20 lakhs and retains the base 20 lakhs for treatment expenses.

  • My Care Benefit

    The plan covers expenses for hospitalization (daycare and inpatient) and outpatient treatment for cancer. Covered treatments include chemotherapy, radiotherapy, organ transplantation, surgeries for cancerous tissue removal, and more. Pre-hospitalization expenses incurred within 30 days before hospitalization are covered, as are post-hospitalization expenses. Ambulance coverage of Rs. 2000 per hospitalization is provided in emergencies, and follow-up care post-discharge is covered up to Rs. 3000 twice a year.

  • Second Opinion

    iCan cancer insurance provides coverage for a second opinion from a specialist in certain cases, depending on the cancer phase's criticality for women and individual/family floaters.

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

HDFC ERGO iCan Cancer Insurance Sample Premiums

Below are sample premium illustrations for the iCan Cancer plan, calculated for a 30-year-old, non-smoker male in the Essential & Enhanced variants.

iCan Essential

Sum Insured (in Rs.)5 Lakhs10 Lakhs20 Lakhs50 Lakhs
Premium Payable (in Rs.)1016106212462093

iCan Enhance

Sum Insured (in Rs.)5 Lakhs10 Lakhs20 Lakhs50 Lakhs
Premium Payable (in Rs.)1155132817423395

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Non-allopathic treatment
  • Any treatment other than cancer
  • Congenital external diseases, defects, and anomalies
  • Pre-existing condition for cancer for which the insured has existing signs & symptoms, and/or was diagnosed, and/or received consultation, investigation, treatment, or admission anytime before the policy was issued.
  • Prosthetic and other devices which are self-detachable and removable without surgery involving anesthesia.
  • AIDS and other infections with HIV, including but not limited to conditions related to or arising out of HIV/AIDS such as ARC, lymphomas in the brain, Kaposi's sarcoma, and tuberculosis.
  • Treatment availed outside India or at a healthcare facility that is not a hospital.
  • Certain diseases and treatments are covered under this plan after a specific period. Details are as follows:
  • Pre-existing diseases after 48 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: 5 to 65 years
  • Policy term: 1 year
  • Initial waiting period: 120 days

Other features & benefits

  • COVID-19 cover
  • Pre and post-hospitalization
  • ICU charges

iCan Cancer Insurance Plan: FAQs

The 6 most-asked questions about HDFC ERGO iCan Cancer Insurance Plan, answered.

No, the plan does not cover any of the non-allopathic treatments.
The maximum age limit to buy the plan is 65 years.
Particularly there is no such plan. Rather women can be covered under the iCan Cancer Insurance individual plan.
The waiting period is for 120 days.
The maximum sum insured limit is Rs. 50 lakhs.
No, these diseases are clearly mentioned in the exclusions of the plan.

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 7 Aug 2023 · Originally published: 30 Oct 2024

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