In this video, we cover everything about health insurance for cancer patients. Cancer patients can get health insurance, but it might be more challenging and expensive due to their pre-existing condition. Also, premiums may be higher. But insurers often require a medical examination before providing coverage.
Further, the standard insurance typically covers hospitalization, surgery, and some medical care. However, it might not cover all expenses related to cancer treatment, such as certain medications, or non-hospitalization expenses. Here, a critical illness insurance or a cancer-specific insurance policy can provide additional coverage for treatments and expenses not covered by standard insurance.
Most comprehensive health insurance policies cover pre-hospitalization expenses (such as diagnostic tests and consultations) and post-hospitalization expenses (such as follow-up visits and medications) for a specified period (usually 30-90 days before and after hospitalization).
Health insurance policies often have a waiting period for coverage of pre-existing conditions, which can range from a few months to a few years. For cancer-specific or critical illness policies, there may be an initial waiting period (e.g., 90 days) during which no claims for cancer treatment can be made.
There is a difference between life insurance and critical illness insurance. Life insurance is essential for long-term financial security for dependents, while critical illness insurance is crucial for immediate financial support during a major health crisis.
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TIMESTAMPS:
00:00 Intro
00:24 Can cancer patients get health insurance?
01:00 Is medical test important?
01:30 Is standard insurance enough for cancer patients?
02:30 Can cancer patients get critical illness cover?
03:04 Waiting period for critical illness insurance
03:28 Life Vs Critical illness Insurance
04:57 Does premium vary for people with cancer history?
05:50 Ending
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