Sometimes health insurance is not enough: Cancer protection needs its own plan

Why? Because cancer doesn’t just attack the body, it shakes you from within.

Cancer doesn't knock before it enters a life. It doesn’t ask for permission; it doesn’t give you time to prepare. It just arrives – silently, suddenly, and sometimes, repeatedly.

Every year, over 15 lakh Indians are diagnosed with cancer; and with over 8 lakh projected cancer-related deaths by 2025, this isn’t just a statistic. It’s a quiet storm waiting to disrupt lives – emotionally, physically, and financially.

The harsh truth is that your regular health insurance may not be enough to help you weather it.

It’s time we get real

Most people assume a mediclaim or standard health insurance policy will cover them if cancer strikes. But here’s what they don’t always see until it’s too late:

• It only covers hospital bills, not the hundreds of other expenses that pile up.
• It demands paperwork, proof, documents, at a time when your world is already upside down.
• It may not help if cancer comes back, leaving you unprotected when you need help again.
• It doesn’t replace your income; bills continue, even if your salary doesn’t.

So, while the hospital may be paid for, your home, your child’s future, your EMIs, your dignity, stay at risk.

Ever imagined the “What Ifs?”

• What if I were to stop working for 6 months, would my family be okay?
• What if I had to travel weekly for cancer treatment, could I afford it?
• Would I be able to protect my savings, or would they diminish overnight?

Everyone goes through these thoughts that make them anxious and vulnerable. Here’s how you can be prepared. You just need a plan designed for treating cancer and not just a hospital stay.

Let’s talk about RNL Cancer Protection Plus Plan

This is not a mediclaim. It’s a financial shield built specifically for life’s toughest battle.

What makes it different?

Lump sum on diagnosis – No questions asked

• Get an instant payout the moment you are diagnosed, even at an early stage.
• No hospitalisation. No bills. No forms.
• Just money in your hands when it’s needed the most.

You decide how to use the money

Whether it’s

• Costly treatment at a top-tier hospital
• Covering lost income for household expenses
• School fees for your children
• Rent, groceries, EMIs etc.

You choose, because your life doesn’t stop for cancer, and neither should your finances.

Relapse? You still stay covered

Most plans leave you stranded if cancer returns. But with RNL Cancer Protection Plus, you get another payout – 25% of the Sum Assured, and your original cover stays intact. That’s a second lifeline, when many would leave you uninsured.

Major stage = full cover + monthly income

If cancer reaches an advanced stage, you get 100% of your Sum Assured and a monthly income (1% of Sum Assured) for 5 years. Your family stays financially supported, even in your absence.

Total benefit – up to 235% of your cover

Yes, you can get more than double your coverage, with multiple payouts, because cancer can come in phases, and so should the support.

Harsh’s journey: A real-life example

Harsh, 35, opted for a ₹20 lakh Cancer Protection Plus (Silver Option) policy for a 15-year term.

Here’s what happened over the years:

Year 3: Diagnosed with early-stage lung cancer

Got another ₹5 lakh + 3 years premium waived

Year 8: Cancer relapsed

Got another ₹5 lakh + 3 years premium waived again

Year 11: Diagnosed with major-stage stomach cancer

Got ₹20 lakh payout + ₹20,000/month for 5 years (₹12 lakh)

Total financial support: ₹42 lakh

Premium paid: ₹3,748 per year

Documents needed: Zero hospital bills

Why it matters

Don’t just conquer Cancer. Stay ahead of it.

Cancer doesn’t just test your body, it tests your mind, your plans, your resilience, your ability to keep going.

Most families aren’t prepared, not only financially but they are not ready to deal with the repercussions that impact their life – Income loss, interruptions in future plans, children’s education, and most importantly, the emotional trauma. One diagnosis can break years of savings and planning.

But with RNL Cancer Protection Plus, you are not just getting insurance. You are securing your peace of mind, your stability and your control on situations, even in the face of uncertainty.

Take the First Step. Today.

Because the best time to plan for a crisis is before it strikes.

Talk to our financial expert or visit : RNL Caner Protection Plus Plan

Mktg/RNLIC/cancer plus_blog/V1/Jul25

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