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Bone Cancer Insurance

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​Bone cancer is a type of cancer that develops in bones and spreads to other body parts if not treated on time. It is a critical disease that can lead to life-threatening conditions if left unaddressed.

Early detection and careful planning play key roles in the treatment of bone cancer in India. This is where a reliable bone cancer insurance plan comes into play.

Let’s explore the important things to know about bone cancer and the need for bone cancer insurance to overcome this critical illness.

What is Bone ​Cancer?

Bone cancer is a type of cancer that arises in the bone tissue. It forms a deadly tumour in the bone as a result of abnormal cell growth. This type of cancer is commonly found in the long bones of legs and arms and tends to spread quickly in the body.

Types of Bon​e Cancer

There are multiple types of bone cancer, each affecting different types of bone cells. The four most common types include the following:

Osteos​arcoma

It is one of the most common types of bone cancer in India. Essentially, it forms in the cells where bone tissues grow. Although it can develop in any bone, it mostly takes place at the end of long bones of legs and arms. This type of bone cancer is most common in teenagers and children.

Chondrosar​coma

Unlike Osteosarcoma, Chondrosarcoma develops in cartilage, a soft tissue that facilitates smooth movement between bones and joints. This type of bone cancer develops mostly in the legs, arms and pelvis. Moreover, it occurs more frequently in adults than in children and youngsters.

Ewing’s Sa​​rcoma

Ewing sarcoma is a type of bone cancer characterised by several different types of tumours developing in the same type of cells. These tumours usually form in the bones but spread to the soft tissues surrounding them. This cancer is commonly found in the hips, shoulder blades, ribs and long bones of the legs.

Chord​​oma

It is a rare type of bone cancer that occurs in the base of the spine or skull. Similar to Chondrosarcoma, it is found mostly in older adults, especially males.

Understanding​ Stages of Bone Cancer

Understanding the stages of bone cancer is important for its effective treatment. Note that the staging in this type of cancer is determined by its location and size. Here are the main stages of bone cancer:

  • Stage 1: This is the initial stage of bone cancer. In this phase, the cancerous cells become localised, and the tumour is still low-grade.
  • Stage 2: The tumour is high-grade, but cancer cells are still localised.
  • Stage 3: The tumour is high-grade, and the cancer has spread into other areas within the same bone.
  • Stage 4: This is the final stage in which cancer spreads to other parts of the body, such as the liver and lungs.

Bone Cancer Ris​​k Factors and Causes: Who is at Risk?

Although the exact causes of bone cancer are not clear, some factors and pre-existing health conditions can increase the risk of developing this fatal condition. These factors are as follows:

  • Age: Age is among the common bone cancer risk factors. Some types of bone cancer, such as Osteosarcoma, are more common in older adults than youngsters.
  • Genetic Conditions: Genetic disorders can also lead to an increased risk of bone cancer. The most common inherited conditions include Retinoblastoma and lLi-Fraumeni syndrome.
  • Family History: Family history can also be a reason for bone cancer in some individuals. If any of your immediate family members have had bone cancer, the risk of developing this type of cancer is higher.
  • Previous Cancer Treatments: Previous radiation therapy or an overdose of radiation can also increase the risk of bone cancer.

Common Bon​e Cancer Symptoms and Signs

The symptoms of bone cancer vary depending on the type and specific health conditions of the person. This is the reason why some people experience no symptoms while others develop a wide range of signs. Here are the most common symptoms you must look out for:

  • Unexplained swelling over the bone.

  • Pain that gets worse at night.

  • Fever

  • Fatigue or unusual tiredness.

  • Difficulty moving around

  • Unexplained weight loss

  • Frequent fractures as the bones become weak due to tumours.

How is Bone​ Cancer Diagnosed?

Depending on symptoms and health conditions, doctors use different methods for the diagnosis of bone cancer. These may include:

  • X-rays: X-rays are among the most common methods for diagnosing bone cancer in its primary stages. They are usually performed to detect an unusual change in bone growth.
  • MRI: An MRI scan is conducted for a detailed diagnosis of bone cancer. It provides the necessary imaging to learn about the size, location and spread of the cancerous tumours.
  • Bone Biopsy: Sometimes, doctors also recommend bone biopsy to check for the presence of cancer cells. In this method, a small sample of bone tissue is collected and tested against risk factors.
  • Blood Tests: Although rare, blood samples may also be used to detect bone cancer in certain conditions.

When S​hould I See My Healthcare Provider?

  • Consistent Pain: If you are experiencing consistent pain in your bones or joints, then visit your healthcare provider without any delay. It could be a sign of bone cancer and other underlying diseases.
  • Swelling or Lump Above Bone: If there is unexplained swelling or lump over the bone, it could be something serious. Make sure to contact your doctor and get the necessary diagnostic tests done.
  • Unexplained Fracture: Fractures usually happen due to injuries and accidents. However, if your bone gets fractured for no specific reason, it is time to get tested for bone cancer to rule out its possibility.
  • Unexplained Fever: Unexplained fever can also be a sign of an underlying infection or tumour, including bone cancer. Don’t ignore this condition. Get in touch with your healthcare provider.

What Questions S​hould I Ask My Doctor?

When you visit your doctor for the diagnosis of bone cancer, it is important to ask detailed questions and concerns related to this critical condition. This helps you understand the severity of your condition and figure out the best possible ways to treat and manage it. Below are the important questions you must ask your healthcare provider regarding your bone cancer:

What type of bone​ cancer do I have?

Understanding the type of bone cancer allows you to plan your treatment and recovery in an efficient way. This is the first question you should ask your healthcare provider.

What is the stage of my b​​one cancer?

If you are recently diagnosed with bone cancer, make sure to learn about the stage. This is important in order to start the best treatment at the earliest.

What are the best ​treatment options for me?

Learn about the best and safest treatment options and recovery period for each.

Are there any side effects of ​​the bone cancer treatment?

This is one of the most important questions to ask about your bone cancer treatment. Learn about all the possible side effects of your treatment and how to avoid them.

How can I manage pain and dis​comfort?

Learn about the safe ways to manage your pain and discomfort. Ask about medication and therapies that might be helpful.

What lifestyle changes do I ne​ed to incorporate?

Ask about the lifestyle changes you might require to manage your condition. These include leading an active lifestyle, limiting your work hours, reducing physical activities and so on.

What will be my bone cancer ​treatment cost?

Understanding the cost of bone cancer treatment will help you manage and plan your finances better. It will also help you utilise your insurance and save yourself from debt.

Why Buy a Medica​l Insurance Plan for Bone Cancer?

Financial Protection

Comprehensive Coverage

Cashless Hospitalisation

Bone cancer treatment can be extremely expensive as it involves multiple surgeries, radiation and chemotherapy, continuous medication and more. With our insurance for bone cancer, you gain extensive financial protection that allows you to get the highest treatment without worrying about the expenses.

 

Our health insurance plans offer comprehensive coverage for hospitalisation, diagnosis, in-patient and out-patient care, surgeries, modern treatments, ambulance charges and more. This comprehensive coverage provides you with financial security during your medical crisis.

 

With the Reliance health insurance plan, you get access to high-quality network and non-network hospitals where you can get cashless treatment without any out-of-pocket expenses. We take care of your bills while you focus on your recovery.

 

Early Detection and Prevention

Protection of Savings

 

Our health insurance offers annual health checkups that allow you to detect bone cancer in the early stages. This, in turn, helps you start your treatment and take preventative measures for early cure.

 

Above all, health insurance offers the necessary financial coverage to help you face any challenges or take out a loan for your treatment.

 

 

Reliance Health Plan​s for Bone Cancer

Reliance Health Infinity Insurance

Reliance Health Gain Insurance

​It is our best-selling health insurance that offers up to ₹5 Crore sum insured for hospitalisation, surgeries and other medical services.

It covers up to 90 days of pre-hospitalisation and 180 days of post-hospitalisation.

It also offers unlimited restore benefits and up to ₹1 lakh tax savings.

This health insurance plan can be purchased for a sum insured up to ₹1 Crore.

It covers modern treatments like robotic surgeries, chemotherapy, etc.

Cover up to 60 days of pre-hospitalisation and 90 days of post-hospitalisation.

Also includes routine checkups.

Available as an individual as well as a family insurance policy.

Reliance Critical Illness Insurance

Reliance Hospi Care Insurance

This is the best health insurance for bone cancer. It offers a lump-sum payout of up to ₹10 Lakh for surgeries and other treatments.

Covers 10 critical illnesses, including bone cancer.

No medical test is required for individuals below 45 years of age.

Can be purchased as an individual policy or as an add-on with standard health insurance.

This is another curated health insurance for bone cancer and other critical ailments.

It offers a lump-sum amount of up to ₹10 Lakh for hospitalisation and surgeries.

Cover pre-existing conditions after a waiting period of 36 months.

Reliance Health Global Insurance

This is ideal health insurance for foreign travellers or those who need coverage abroad.

It offers 2x annual sum insured with coverage for travel expenses and accommodation.

Up to 15 days of pre-hospitalisation and 30 days of post-hospitalisation.

How to Buy Relianc​e General Insurance's Health Insurance fo​r Bone Cancer?

  1. Visit our Homepage and move to Explore Products -> Health Insurance

  2. Enter your full name, mobile number, and PIN code and click on “View Prices”.

  3. Select your plan type from the given options: Individual, Family, Parents, or In-Laws. Click “Next”.

  4. Fill in your DOB and the type of cover you are looking for.

  5. Select your sum insured, add-ons, and available discounts and proceed to make the premium payment.

Documents​​ Needed to Buy Reliance General Insurance's Medical Insurance Plan

  • Age Proof (e.g., Birth Certificate, Aadhaar Card, Voter ID, Passport, Driving Licence)

  • Address Proof (e.g., Passport, Driving Licence, Aadhaar Card, Rental Agreement)

  • Identity Proof (e.g., PAN/Form 60, Aadhar Card, Voter ID)

  • Medical Reports: Medical reports may be required based on your age, type of plan and health condition.

  • C-KYC Process: In addition to the above documents, you are also required to complete the Centra Know Your Customer (C-KYC) process as per the AML-IRDAI guidelines.

Things to​​ Remember Before Buying and Filing a Claim for Bone Cancer Insurance

Before Buying Bone Cancer Insurance

  • Understand Coverage: Before purchasing a bone cancer insurance policy, take enough time to understand the coverage. Check out the features, benefits, premiums and other factors for seamless and transparent coverage.

  • Learn About Pre-existing Issues: Most health insurance does not cover pre-existing conditions. Even if they do, there is a certain waiting period you have to complete. Learning about pre-existing disease coverage is super important before availing of the benefits.

  • Check Waiting Period: Most health insurance plans have a pre-specified waiting period for which you have to wait before claiming the coverage. Make sure that your chosen plan has a minimum waiting period so that you can avail yourself of the benefits as soon as possible.

  • Check Inclusions and Exclusions: Make sure to carefully check and understand the inclusions and exclusions of your bone cancer insurance policy. This will give you an idea of what is covered/excluded from your coverage. This will also ensure that you are not missing out on an important feature or benefit.

  • Estimate Premiums: Before buying your bone cancer insurance, it is highly advisable to estimate your premiums. To avoid any financial strain, ensure that the premiums align with your budget and income.

Also Read:Buying Health Insurance - Things to Know

Before ​​Filing a Bone Cancer Insurance Claim

  • Intimate Claim ASAP: Timely claim intimation is crucial for successful claims settlement. If you want to avoid unnecessary delays in your claim processing, make sure to register your claim within 24 hours of facing the medical emergency or planning hospitalisation.

  • Cashless Vs Reimbursement Claim: At Reliance General Insurance, we offer cashless and reimbursement claim settlement services. By opting for cashless settlement, you get free access to our network hospitals ​where you can receive cashless treatment for bone cancer. By choosing claim reimbursement, you can get your treatment anywhere by paying upfront and getting your bills reimbursed later.

  • Gather Complete Documents: Documentation plays a key role in bone cancer insurance claim processing. Note that submitting incomplete or incorrect documents can lead to your claim rejection. Thus, make sure to submit all the specified documents in a timely manner.

  • Track Claim Status: Once you have submitted your claim, make sure to track its status to stay updated about its progress. You can do so by calling our claims helpline ​or using the Reliance Self-i

Preventing B​one Cancer

There is no guaranteed way of preventing bone cancer. However, there are certain measures you can take to reduce the risk of this dangerous disease. These include:

  • Balanced Healthy Diet: Make sure to consume a healthy diet with a good mix of fruits, whole grains, vegetables and other essential nutrients. Besides, take necessary supplements for vitamins and minerals like calcium, zinc, magnesium, vitamin B12, etc. Also, make sure to get plenty of Vitamin D from sunlight to strengthen your bones.

  • Healthy Lifestyle: Maintaining a healthy lifestyle is critical to preventing fatal diseases like bone cancer. This includes exercising regularly, avoiding junk and unhealthy food, quitting alcohol and staying active.

  • Routine Checkups: Routine checkups are crucial to reducing the risk of bone cancer and other life-threatening diseases. They allow you to monitor your health and detect illness before it becomes a medical crisis. Thus, make sure to get a full body checkup every 5-6 months, regardless of your health condition.

  • Awareness of Genetic Conditions: As discussed above, genetic conditions increase your likelihood of getting bone cancer. By staying aware of your family history, you can take preventative measures and plan for the unforeseen risk.

  • Limit Alcohol Consumption: Not just bone cancer, alcohol consumption can expose you to a variety of health risks, including liver failure. Thus, consumption should be limited and gradually quit.

  • Invest in Health Insurance: Last and most important, invest in a good health insurance policy. This is a financial safety net that safeguards you against a range of unforeseen financial losses due to expensive healthcare treatments. The right policy will allow you to get the highest quality treatment for your bone cancer without facing any financial challenges.

Conclusio​​n

Investing in efficient health insurance is the first step towards safeguarding your health against critical conditions like bone cancer. With the right policy, you get comprehensive coverage for your bone cancer treatment and recovery.

Whether you are looking for cashless hospitalisation benefits or high-quality cancer treatment at network hospitals, Reliance General Insurance has got you covered. Our health insurance plans are designed to offer comprehensive financial protection with benefits like low premiums, short waiting period, global coverage, 100% claims settlement and more.

For more information, contact us!

Frequently As​ked Questions

What is the surviva​l rate of bone cancer?

As per a report, the overall survival rate for bone cancer is around 70%. It means that someone who has been diagnosed with bone cancer has only a 70% chance of being alive in the next five years.

How much does bone can​​cer treatment cost in India?

The cost of bone cancer treatment in India varies depending on various factors. These include the stage of cancer, the type of treatment, the location and so on. Based on these parameters, it can range from ₹2 Lakh to ₹10 Lakh and higher.

Is X-ray enough to detect​ bone cancer?

X-rays are usually helpful in detecting the primary and secondary stages of bone cancer. They help determine abnormalities in the bone structure, which can be used to identify the type of cancer.

Is bone cancer cur​able?

Yes. If addressed on time, bone cancer can be successfully treated and cured with the right treatment. Treatment usually involves medication, multiple surgeries, radiation therapies and more. It is highly recommended that timely measures be taken for prevention and cure.

What are the early s​igns of bone cancer?

The early signs of bone cancer include pain, fatigue, fever, swelling, unexplained weight loss and fractures. However, sometimes bone cancer can also develop without showing any signs and symptoms.

Which is the best heal​th insurance for bone cancer?

The best insurance for bone cancer offers comprehensive coverage for diagnosis, treatment and recovery from the disease. At Reliance General Insurance, we offer Critical Illness Insurance, which is the best insurance for cancer and other critical illnesses in India.

What does health insuran​ce for bone cancer cover?

Our bone cancer insurance usually covers diagnosis, surgeries, pre- and post-hospitalisation, chemotherapy & radiation, doctor consultation, ambulance costs and more. For more details, contact us today.

What are the exclusions of bon​e cancer insurance?

Pre-existing conditions, cosmetic treatments, non-approved and experimental treatments and other exclusions are common in bone cancer insurance. Check your policy wording or contact our experts for more details.

Which is the best bone​ cancer insurance in India?

Our Critical Illness Insurance is one of the best bone cancer insurance in India. It offers a lump sum amount of up to ₹10 Lakh for the treatment of bone cancer and other pre-specified critical illnesses.

How to purchase bo​​ne cancer insurance in India?

You can purchase bone cancer insurance by Reliance through our website or the Self-i mobile application. All you need to do is visit our platform, provide the required details and make the premium payment. We offer instant policy issuance with zero paperwork and minimal requirements.



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