Health Insurance for Liver Cancer (HCC)

Understanding Insurance for Hepatocellular Carcinoma

Hepatocellular carcinoma (HCC) is one of the most common types of liver cancer. This fast-growing cancer is often seen in patients suffering from chronic liver diseases such as cirrhosis of the liver.

HCC develops slowly at an early stage. Most healthcare professionals opt for surgery to eliminate the tumour or a liver transplant to treat HCC. However, in many cases, people cannot detect this health condition until it reaches the advanced stage, when HCC develops more quickly. In these scenarios, liver failure occurs.

In short, treating HCC is challenging, painful, and costly. Therefore, having health insurance is essential. Let us explain the reasons for considering coverage for hepatocellular carcinoma treatment.

Why OPT for Coverage to Treat Hepatocellular Carcinoma?

Severe health conditions may occur at any time, and liver cancer is no exception. Here are the reasons to consider a health insurance policy regarding hepatocellular carcinoma:

1. Eliminate Financial Burden

When it comes to treating hepatocellular carcinoma, treatment options include surgery to remove the diseased part of your liver or a liver transplant. Both are costly and stressful.

Other options, such as ablation therapy, embolisation, and radiation therapy, are considered advanced treatments. Therefore, having an insurance policy that covers liver cancer ensures timely and the best possible treatment.

2. Manage Loss of Income

If HCC affects the family's breadwinner, it will not only create a financial strain but also have a significant emotional and psychological impact on the entire family. In such cases, health insurance for liver disease treatment is a viable option.

A liver transplant could cost anywhere between Rs. 5 lakhs and Rs. 30 lakhs, an excessive expenditure. However, one can easily manage this by buying health coverage.

3. Get Top-Level Treatment

A few insurance providers offer critical illness insurance policies to safeguard you and your family against tough times. This kind of standalone plan provides a lump-sum amount to treat critical illnesses such as liver cancer subject to a 90-day waiting period and a 15-day survival period.

So, diagnosing and treating this disease in a multi-speciality hospital is accessible without delay, thanks to the financial support provided by the lump-sum payout.

4.  Additional Health Services

Some Insurance plans designed to cover cancer treatment offer additional health services. They include quick recovery counselling, a digital health portal and more. These can meet all your wellness needs and doctor-on-call treatment options.

Why Choose Star Health?

Star Health Insurance offers the Star Critical Illness Multipay Insurance Policy for people with liver disease. It is an individual policy that provides many benefits to the insured person.

• This policy covers the cost of critical surgeries, including liver transplantation.
• Star Health provides a lump-sum amount that is paid upon the initial diagnosis.

Another reason to choose Star Health is the Star Cancer Care Platinum Insurance Policy. This policy is specially developed for cancer patients and covers medical costs for both cancer and non-cancer ailments.

• It offers a lump sum amount for cancer recurrence, metastasis, or the diagnosis of a second, unrelated malignancy.
• By choosing this policy, you can avail a second medical opinion from a healthcare professional in our network of medical practitioners.
• If you purchase or renew the Star Cancer Care Platinum Insurance Policy at the age of 61 or above, a co-payment of 10% will apply to every claim amount.

However, it is mandatory to go through the policy document mindfully and understand every aspect better before buying a health insurance policy for liver disease. The factors include inclusions, exclusions, the waiting period, pre-existing disease or PED coverage and other details.