Search in Indianmoney's WealthPedia

Home Articles How This Widow Got Her Cancer Treated with Just Rs 5,000?

How This Widow Got Her Cancer Treated with Just Rs 5,000? Research Team | Posted On Saturday, August 17,2019, 04:58 PM

5.0 / 5 based on 1 User Reviews

How This Widow Got Her Cancer Treated with Just Rs 5,000?



Well, the story begins at Hidkal Dam, a village in Belagavi district, Karnataka. Two friends Kadam and Raghav both 35 years of age were residing at the same colony. Kadam had a family of 5 and his friend, Raghav, had a family of 4 members.

One fine day Raghav left the village to further his career. After 5 years, Raghav visited Hidkal Dam to meet his friend. Rima, the wife of Kadam, informed Raghav that Kadam had passed away in an accident. Kadam was very sad to hear the news of his friend’s untimely death.                                                                                                           

Unfortunately, Rima was diagnosed with cancer soon after her husband’s death. With no regular income, a 34-year-old school teacher; now a widow; was able to fight cancer, a life-threatening disease. Raghav asked her how she managed hospitalization expenses for such a costly disease like cancer. She replied, ‘It was possible as I had a critical illness insurance plan. I just paid Rs 5,000 premium a year to avail this policy.

Want to know more on Health Insurance? We at will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.

How This Widow Got Her Cancer Treated with Just Rs 5,000?

Key Features of Critical Illness Insurance

You stand protected with a critical illness plan which covers critical illnesses like cancer, renal failure, heart attack and so on. A majority of critical illness insurance policies offered today; cover cancer. The policyholder gets the sum assured; if he/she is diagnosed with a critical illness. The lump sum may be used to pay for medical expenses and hospitalization.

Salient Features of Critical Illness Plan:

  • It covers up to 36 life-threatening diseases, including cancer.
  • Just diagnosis is enough to get the policy benefits.
  • It comes with a waiting period which is just like health insurance. The length of the waiting period depends on the severity of the illness.
  • There’s lifetime renewability

See Also: Types of Health Insurance Plans in India

Common Critical Illnesses Covered Under Critical Illness Insurance Plan


Major organ transplant

Heart attack

Aplastic anemia


Bacteria meningitis

Kidney failure

End-stage lung disease

Muscular dystrophy

Fulminant viral hepatitis

Major burns

Muscular dystrophy

Liver disease

Motor neuron disease


Permanent paralysis of limbs

Critical Illness Insurance by ICICI Prudential and Bajaj Allianz

Both ICICI Prudential and Bajaj Allianz offer critical illness plans. Other insurers also offer these policies. The policy offered by ICICI Prudential covers 34 critical diseases and the premium remains unchanged for the entire term.

The premium starts at Rs 2,400 and the policy benefits accrue up to Rs 25 Lakh. Critical illness insurance plans offered by Bajaj Allianz cover up to 10 major critical diseases and offer coverage up to Rs 50 Lakh. The initial waiting period for the plan is 90 days. The premiums start at Rs 3,000 a year.

Common Exclusions

The common exclusions of critical illness insurance plans include HIV/AIDS, hormone replacement treatments childbirth-related critical conditions, chronic diseases developed due to external and internal congenital conditions, smoking related diseases and conditions due to drug and alcohol consumption.                                                                                                 

Why Critical Illness Insurance Plan?

Rima made a smart decision to avail a critical illness plan. Being a widow and with no income to support her in these dire times, it would have been very difficult to manage the high expenses of cancer if she had not availed a critical illness plan.

Treating cancer and other critical diseases is expensive and therefore, one needs to avail a critical illness policy. Various studies reveal there has been a rise in the number of people suffering from critical illnesses due to lifestyle changes and other reasons. It is a must for people with a history of chronic diseases.

See Also: Choose the Best Health Insurance Policy?

Factors to Be Considered While Availing Critical Illness Insurance

  • Sum assured – How much cover you need?
  • Critical illness insurance rider
  • Sub-limits – Are there any sub-limits?
  • Waiting period- What is the waiting period?
  • Age – What is the entry age?
  • Maximum renewal age
  • Exclusions and inclusions- Is it good in terms of inclusions and exclusions?

Keep your Financial Cognizance up to date with IndianMoney App. Download NOW for simple tips & solutions for your financial wellbeing.

Have a complaint against any company?'s complaint portal can help you resolve the issue. Just visit and lodge your complaint. If you want to post a review on any company you can post it on review and complaint portal

Be Wise, Get Rich.

What is your Credit Score? Get FREE Credit Score in 1 Minute!

Get Start Now!
Get It now!

This is to inform that Suvision Holdings Pvt Ltd ("") do not charge any fees/security deposit/advances towards outsourcing any of its activities. All stake holders are cautioned against any such fraud.