Cancer insurance is a form of supplemental health insurance designed to help people afford the high costs of cancer care. It’s a part of critical illness insurance. Cancer insurance is typically recommended for people who have a genetic predisposition to cancer.
Cancer benefits can be paid out as a lump sum to the patient or fixed sums to pay for treatments such as chemotherapy after a diagnosis. Cancer insurance usually includes tests, drugs, and treatments, as well as visits to out-of-network hospitals, lengthy hospital stays, co-pays and deductibles, child care, food assistance, and transportation and accommodation for out-of-home treatment.
Cancer insurance provides numerous benefits that will come in handy when you’re diagnosed with cancer and/or need cancer treatment. Below are some of the benefits.
If cancer runs in your family, getting cancer insurance will help you better deal with the situation.
In the event of a claim, total compensation with a maximum sum insured of 900,000 THB is provided
Regardless of the stage of cancer, you will be covered for your medical expenses.
For the family plan, coverage is provided for an unlimited number of unmarried kids ages 1-22 years old
If your condition is detected as advanced, you can earn 100% of your insured sum right away. Note that this depends on the insurer.
The thaiger has done an outstanding job of providing my insurance plan and walking me through every step along the way. I highly recommend using this service!
The buying procedures with Thaiger was actually pretty good and smooth. Online quotes from several providers all helped me select the right service without having to negotiate with any of them one by one. The officer completed the survey on the phone for a few minutes. Overall I was not pressured to buy the policy, it was a simple and easy process.
Was sent a quote very fast and finished the process in just a few day.
Customer service was incredibly friendly and professional. They answered all my questions and put in an good effort.
Appreciated the clear explanations of the services and the information given to me. I have already enquired for this insurance. Thank you.
My representative was extremely supportive and knowledgeable. He helped me understand a difficult topic and identifed a plan that worked for me!
A wide range of cancer insurance plans are available to help you should you get diagnosed with cancer. You can choose the one to fit your needs and budget. Each plan offer different benefits and premiums. In some cases, you may combine them.
According to the World Health Organization, cancer is the top cause of death worldwide, with an estimated 9.6 million deaths in 2018. (WHO). Low and middle-income nations account for more than 70% of cancer victims. Since 1998, Thailand’s Ministry of Health has listed cancer as the leading cause of mortality among Thai residents. In Thailand, there have been 336 new cancer cases every day, or 122,757 per year, while there have been 221 deaths per day or 80,665 per year. The trend is constantly rising.
This insurance plan assists you in dealing with a critical illness such as cancer. If you are diagnosed with cancer, we will be there for you from the start. This insurance includes all types of cancer and all phases of cancer with a maximum sum insured of 900,000 Baht. Registration is simple, and there is no need for a pre-medical examination.
My family has a history of cancer, which increases my risk of developing one as well. That’s why I got cancer insurance to protect my family and me, especially since I am the sole wage earner. I didn’t realise how complicated it is to choose the right cancer insurance from the right company! The Thaiger helped a lot throughout the process. They were always ready to answer my questions. They helped me choose the best insurance for my needs and budget!
Top tip: There is no better way to find the right options for your needs than to consult with the Thaiger.
Coverage vary for each plan and insurer. However, here are some of the general exclusions for cancer insurance.
1. Acquired immunodeficiency Syndrome (AIDS), AIDS-related conditions Positive Blood Test, and/or Immunodeficiency Virus (HIV)
2. Pre-existing condition of cancer
3. Cancer diagnosed or discovered in the first 90 days of the initial policy year
Below are other critical health conditions that are covered by Critical Illness Insurance.
There are numerous things you need to consider before purchasing a cancer insurance policy to ensure that you are fully protected.
It takes a lot of money to get treated for cancer, so you need to look for a plan with extensive coverage. Make sure to choose a plan that covers extensive chemotherapy and expensive drugs in addition to the basic coverage features, such as pre and post hospitalisation expenses.
A waiting period is the amount of time you have to wait before the policy starts the coverage. It is wiser to choose a plan that offers the least waiting period. The usual waiting period is 3 to 6 months.
Numerous cancer insurance plans waive off the premium on the diagnosis. To buy a plan with the most benefits, choose the one with premium waivers since it can help your family. At such a stressful time, they will not be required to pay the premium.
Read carefully about the exclusions under your chosen Cancer Insurance plan before purchasing it. Make sure the coverage you need is not excluded from the plan.
An individual with Parkinson’s disease should have health insurance that covers hospitalisation, major medical care, and a wide range of prescription drugs. People with Parkinson’s disease should think about getting benefits for in-home nursing care or nursing facility care. The insurance is designed to cover you and your family from being solely responsible for the costs of Parkinson’s disease-related healthcare services. The majority of people get health care from their employer or through a family member’s employer.
Although there are several limitations, it normally covers some of the costs of cancer care. If cancer runs in your family, a higher premium could be worth to have the assurance that all cancer treatments will be covered by insurance.
Prices for cancer care differ depending on the type of treatment used, such as surgery, chemotherapy, hormone therapy, and radiotherapy. Price differences are often influenced by the type of cancer. However, it is noted that costs in public hospitals are typically 30-40% lower than in private hospitals.
The leading public cancer care in Thailand are as follows:
-National Cancer Institute of Thailand: The leading national institution for cancer control and patient care
Siriraj Cancer Center: Provides comprehensive cancer care and treatment by a multidisciplinary team of cancer specialists
-Division of Therapeutic Radiation and Oncology, King Chulalongkorn Memorial Hospital: Thailand’s leading cancer centre provides a world-class standard of care
-Ramathibodi Comprehensive Cancer Center, Mahidol University, Faculty of Medicine
-Ramathibodi Hospital: Cancer specialists are dedicated to providing cancer patients with the best possible treatment and quality of care
The leading private cancer care in Thailand are as follows:
-Wattanosoth Hospital: Bangkok Cancer Hospital: With 10 years’ experience as a private dedicated cancer care institution in Thailand
-BNH Hospital: For Onco-Gynecology, BNH has established a partnership with Chulalongkorn and MD Anderson from the USA. MD Anderson is one of the most reputable cancer centres in the UK.
-Bumrungrad Hospital: The renowned hospital is JCI-accredited and treats 1.1 million patients annually across a number of illnesses,
-Bangpakok International 9 Hospital: The multi-disciplinary care hospital offers an extensive range of procedures with an internationally-trained medical team
-Oncology Center Phyathai2 Hospital: Offers comprehensive medical services starting from diagnosis to effective cancer treatment provided by well-known medical teams and trained nurses
All forms of cancer are covered, with the exception of skin cancer.
you can apply for cancer insurance as young as one years old and is renewable till the age of 65 years old
It’s really easy. All you have to do is fill out an application and include a copy of your identity.