LIC Cancer Cover Plan

 This is a fixed advantage well being design offering payouts for treatment of cancer. On the off chance that the client is determined to have cancer, this arrangement will offer advantages independent of the expenses brought about in the treatment. LIC Cancer Cover gives security if there should arise an occurrence of Early Stage and Major Stage Cancer.

 LIC Cancer Cover Policy Benefits

The advantages are needy of the stage of cancer which you have been distinguished with. They are as per the following:

Early Stage Cancer

In the event that you are recognized with Early stage cancer which are indicated, you get the accompanying advantages.

• Lumpsum Benefit: 25% of Applicable Sum Insured is paid out

• Premium Waiver Benefit: Premiums for next three policy years or adjust policy term whichever is lower, should be deferred from the policy commemoration corresponding or following the date of conclusion.

Major Stage Cancer

On the off chance that you are distinguished with Major stage cancer which are determined, you get the accompanying advantages.

• Lumpsum Benefit: 100% of Applicable Sum Insured less any beforehand paid claims in regard of Early Stage Cancer is paid to you.

• Income Benefit:  1% of Applicable Sum Insured might be payable on every policy month following the installment of Lump sum, for a settled time of next ten years regardless of the survival of the Life Insured and regardless of whether this time of 10 years goes past the policy term. If there should be an occurrence of death of the Life Assured while accepting this Income Benefit, the rest of the payouts, assuming any, will be paid to his/her chosen one.

• Premium Waiver Benefit:  All the future premiums should be postponed from the following policy commemoration and the policy might be free from all liabilities but to the degree of Income Benefit as indicated previously.

 Characterization of the Cancer Coverage within LIC Cancer Coverer Policy

·         Early stages of cancer – Identification of the following conditions have to be proved by the histological verification and also a confirmation by a cancer specialist of the desired field should be produced.

·         Carcinoma-in- situ – this means the occurrence of the cells of cancer in the group of cells where they arise. It should include the entire width of epithelium exception should not cross the base membranes or not occupy the surrounding organs and tissues. The detection must be made by the microscopic inspection of a fixed tissue.

·         Early Stage of Prostate Cancer – in this case, the histological description applying TNM along with Gleason point ranging between 2 to 6 is acceptable.

·         Early Stage of Prostate Cancer – in this case, the histological description applying TNM along with Gleason point ranging between 2 to 6 is acceptable.

·         Early Stage of Thyroid Cancer – histological classification of thyroid cancers under 2.0cm as T1NoMo using TGM is acceptable.

·         Early Stage of Bladder Cancer – histological classification of any tumor in urinary bladder as TaNoMo using TNM is acceptable.

·         Early Stage of Chronic Lymphocytic Leukaemia – categorization of this early stage leukemia between 0-2 using Rai staging is acceptable.

·         Cervical Dysplasia – acute cervical dysplasia identified like Cervical Intraepithelial Neoplasia 3 in cone bioscopy is acceptable.