Insurance plans vary in scope and coverage, targeting various medical needs. Three major categories include:
Each one of these different international health insurance India plans has its benefits. The best plan depends on individual health needs and personal financial situations. HCG has partnerships with some of the leading insurance companies globally, including:
The key things to consider when selecting a cancer care insurance include:
It is very important to know what will be included and what will not be included. An ideal cancer policy covers diagnostic tests, surgery, radiotherapy, chemotherapy, medicines, hospitalization charges, follow-ups, alternative treatments, and screening.
The total amount guaranteed by the insurer should be sufficient for the forbidding cost of cancer care.
Policies have a waiting period before the benefits are available. Patients must opt for the policies with the least waiting period to avoid any delay in treatment.
A high claim settlement ratio shows the reliability of the insurer in processing and disbursing claims in a timely manner.
Patients must check whether their preferred hospitals or treatment centres are within the network of the insurer for cashless and smooth transactions.
At HCG, we have a dedicated international patient desk, which ensures that patients from different parts of the world can easily navigate these factors and receive the care they deserve.
The entire cancer insurance claims process in India comprises a few well-defined steps for patients. Being aware of the entire process is helpful to ensure timely and successful settlement.
Here is the detailed process to get insurance coverage for cancer patients:
The patient must inform HCG that the mode of payment for the treatment is through insurance.
The patient should inform the insurance company about their cancer treatment to commence the claim process.
The insurance company issues a pre-authorization and confirms the coverage for the proposed line of treatment. This assurance from the insurance company ensures that the hospital receives the payment after the treatment. The guarantee of payment is crucial for us to proceed further with the patient’s treatment.
In case the insurance company refuses to bear the treatment costs, then the patient is liable to clear the payment.
The patient receives the prescribed treatment after receiving the guarantee of payment.
After the treatment, the hospital generates detailed medical bills that are the basis of the insurance claim.
The claim is submitted to the insurance company with all the required medical records, bills, and receipts by our international patient desk.
The documents submitted are checked by the insurance company as per the cancer coverage payment guidelines. It makes the payment for the amount directly to the hospital based on the documentation provided.
The patient may incur some costs for tests or procedures that are not covered by the insurance policy, and these costs must be paid out of pocket.
This helps establish an orderly process so that the patients can completely focus on their recovery while the hospital and insurer handle the financial aspects.
As one of the leading cancer hospitals in India, HCG has tied up with several insurance companies around the world. This means that patients can come from any part of the world for cancer treatment without worrying about the financial implications. The international patient desk at HCG specializes in understanding medical insurance policies and maintains seamless coordination between the hospital and the insurance providers. Such partnerships facilitate timely payments and make the treatment journey seamless for the patients.
Insurance will help the patient get quality cancer care with no financial stress. There are a variety of plans that are offered, such as comprehensive health insurance, critical illness insurance, and cancer-specific plans. The final decision needs to consider inclusions, exclusions, sum assured, waiting period, and claim settlement ratios. By following a patient-first philosophy with strong insurance claim protocols, HCG remains a leader in providing world-class cancer care.
HCG supports a comprehensive health insurance plan, critical illness insurance, and cancer-specific insurance.
Factors like the inclusions and exclusions, sum assured, waiting time, claim settlement ratio, and network of providers need to be reviewed by the patient.
Yes, the centre has an association with many global insurance companies, and this guarantees that international patients receive the care they need.
Right before you begin your treatment, you may talk to your insurer to understand what is included and what is not.
You may also reach out to the international patient desk at HCG, who will help you obtain this information and make informed decisions.
Some services or procedures may require co-payment, as they may not be covered by cancer coverage for foreign patients in India.
Yes, you can get all the details; some major companies include -
If the insurance does not cover a specific cancer treatment or procedure, then the patient must pay for it out of pocket.
In such cases, patients can explore other avenues for payment or negotiate the same with the insurance provider. For more information on this aspect, patients must reach out the international patient desk.
