Is There Any Insurance for Chemotherapy-Induced Nausea Management?

Cancer Care Insurance: Managing Chemotherapy Side Effects

From hospitalisation bills and cancer-related surgeries to chemotherapy and radiation treatments, availing top-quality treatment for cancer is very expensive. Therefore, a cancer care insurance policy can help you manage the associated expenses.

Understanding Whether Health Insurance Covers Chemotherapy

The question of whether a health insurance policy covers the cost of chemotherapy and cancer management comes to almost anyone's mind after they are diagnosed with the illness.

The straightforward answer is yes. Chemotherapy is covered. However, a regular health insurance plan may not be adequate to compensate for the sky-high medical bills that are incurred from multiple sessions of chemotherapy. So, it is strongly advised to go for an exclusive insurance policy that covers all the expenses anticipated for cancer treatment. Conversely, a traditional policy will only pay for your hospitalisation bills.

Insurance for Chemotherapy-Induced Nausea Management – Plan Essentials

You should examine the following conditions before availing a health insurance plan that pays for chemotherapy:

• The Plan Must Not Require Prior Medical Examinations: Considering the needs of individuals suffering from cancer, a pre-medical test should not be compulsory to avail a cancer insurance policy.
• Your Health Insurer Must Provide a Unique Policy: The health coverage plan should particularly cater to people diagnosed with cancer. However, it must cover medical treatment costs for non-cancer and cancer ailments.
• It Should Offer a Lump Sum Cover: A lump sum coverage is truly beneficial, as it takes care of the recurrence of cancer treatment, metastasis, and a second malignancy (if that happens).
• Your Plan Must Assure Hospice Care: Care is of utmost importance for cancer patients, especially for those who are in the life-limiting stages. Therefore, it is a bonus if your health coverage plan pays for a compassionate care schedule.
   

Ways to Personalise Your Cancer Treatment Insurance Policy

Many health insurance companies offer you the opportunity to customise your cancer treatment policy with an additional premium. Accordingly, you can add the following riders to seek added protection from cancer:

• Lump Sum Cancer Rider: Under this, the policyholder gets an additional amount in addition to the sum insured by indemnity. This additional money is typically 50% of the original insured amount.
• Lump Sum Heart Attack and Stroke Rider: The expenses incurred from an abrupt heart attack, heart-related surgery or stroke can be overwhelming. Thus, to remain prepared for such scenarios, you can opt for a lump sum heart attack and stroke rider to get a specific percentage of the preferred benefit amount.
• Hospital Indemnity Rider: When taken with your cancer management health insurance, this rider will pay for hospitalisation charges arising from the insured person’s covered injury, sickness, or pregnancy-related complications.
   

Thus, with the right cancer management health insurance, you can get the best possible medical attention at any of your insurer’s network diagnostic centres.