Throat Cancer Insurance
Throat Cancer Insurance
Cancer has grown in both severity and prevalence throughout the years, eventually becoming an increasingly serious problem in India. As per the cancer registry statistics, it is anticipated that around 800,000 new cancer cases will be diagnosed in India each year. At any one time, the load is likely to be three times that of 240,000 instances. Some of the major reasons behind the development of throat cancer include excessive consumption of alcohol, smoking, etc. Tobacco-related cancer sites account for 35 to 50% of all malignancies in males and around 17% of cancers in females.
With such alarming statistics and the growing incidence of cancer in the country and throughout the world, you must be conscious of your health and take proper precautions to be ready to tackle this vital condition.
We know that nobody, not even in their wildest dreams, would want to be diagnosed with throat cancer. Nonetheless, today's lifestyle has increased the risk of developing cancer.
While the risk of acquiring throat cancer has increased greatly, more alarming is the concurrent surge in cancer treatment costs. The cost of throat cancer treatment in India is too expensive. Thus, having a health insurance plan has become an important need. We're all aware that there exist numerous tax benefits available to those who purchase a health insurance policy. Furthermore, such a policy clubbed with critical illness insurance cover will essentially preserve a person's income in the case of an unexpected medical emergency.
If you are diagnosed with throat cancer, you will not have to worry about high medical expenses if you have a medical policy with critical illness insurance from Tata AIG. So, to protect enough financial reserves against such an ailment, consider acquiring a health insurance plan that includes throat cancer coverage. Investing in such a policy will give optimal coverage while not breaking the bank, and our plans meet all of the criteria. Contact Tata AIG to learn more.
Anyway, here is a complete guide about this ailment for you. Continue reading to learn more about the exact meaning, causes, signs and symptoms, its stages, diagnosis and treatment carried out, as well as some preventive measures for throat cancer.
Throat Cancer: Meaning Explained
Cancer develops at the cellular level in the body and is caused by a breakdown in cellular function when normal cells proliferate uncontrolled or do not die as they should. Squamous cells, which border the pharynx and larynx, are the most common site of throat cancer.
Throat cancer can attack either the pharynx or the larynx, and there are several forms depending on where the disease is detected. Squamous cell carcinoma of the throat has the potential to spread to other parts of the body, such as the lungs, bone, and liver.
However, throat cancer is a broad term for cancer that has an effect on one or more regions of an individual's throat. Typically, persons with throat cancer have cancer in their voice box (larynx) or the middle part of their throat (oropharynx). Usually, throat cancer is treated surgically. The specific procedure depends on the throat cancer type, its location, as well as if it has spread.
Throat Cancer: Is it Common in India?
Throat cancers are one of the most common in India, affecting mostly Indian men. Based on reports, In India, 1 million new cases related to throat cancer are detected each year".
There are several kinds of throat cancer. Laryngeal cancer and oropharyngeal cancer are the two most frequent kinds of throat cancer.
Your larynx is affected by laryngeal cancer (voice box). The centre section of your throat is affected by oropharyngeal carcinoma. Oropharyngeal cancer was predicted to affect around 54,000 individuals in 2022, whereas laryngeal cancer was expected to affect approximately 12,000 people.
Here is further information on the two most frequent kinds of throat cancer:
- Laryngeal Cancer: Well, this is cancer of the vocal cords. Men are more likely than women to be affected by this malignancy. It usually affects adults over the age of 55. Laryngeal carcinoma can develop in many areas of the larynx.
- Oropharyngeal Cancer: Well, this affects the area of an individual's area of throat behind the mouth. This sort of cancer affects twice as many males as females. It usually affects adults aged 63 and up.
- Hypopharyngeal Cancer: This malignancy affects the area of your neck above your oesophagus and windpipe.
- Supraglottic Cancer: The higher section of your larynx is where this cancer begins. It can harm your epiglottis, the cartilage that prevents food from entering your windpipe. Surrounding 35% of all laryngeal malignancies begin in the supraglottis.
- Nasopharyngeal Cancer: It's a very uncommon kind of throat cancer. It affects the area of your throat just below your nose.
- Glottic Cancer: It's cancer developed in an individual's vocal cord. Their voice cords are located in the centre of the larynx. Over 50% of every laryngeal malignancy begins in this area.
- Subglottic Cancer: It develops behind an individual’s vocal cords (in the lowest region of their voice box). Approximately 5% of all laryngeal malignancies begin here.
Throat Cancer Causes and Risk Factors
Anyone can be affected by throat cancer (which includes malignancies of the tonsils and larynx). Some of the major risk factors include getting infected with the HPV (human papillomavirus), as well as alcohol and tobacco use.
Continue reading to learn more about the causes of throat cancer:
- HPV 18 and HPV 16: Since Human Papillomavirus is most usually connected with cervical cancer, Human Papillomavirus-positive is the rapidly-growing throat cancer in the world. The strain of HPV to which you were exposed influences your chance of acquiring HPV-positive throat cancer. Some strains, for example, produce skin, oral, or genital warts but seldom, if ever, cause malignancy.
- Other strains are more dangerous and have a stronger link to cancer growth. HPV 16 and, less often, HPV 18 are the viruses most usually associated with head and neck cancer. Fortunately, most people, including those with high-risk HPV, will be able to get rid of the virus on their own. Unfortunately, there is no method to determine who may get cancer if they have HPV 16 or HPV 18.
- Tobacco: It includes smoking as well as smokeless tobacco (chewing tobacco and snuff). Passive smokers are also more likely to get throat cancer. If you chew or smoke tobacco, you may lower your chance of throat cancer — as well as the danger to others around you — by quitting today. It's not too late to quit if you've been diagnosed with throat cancer or are already undergoing treatment.
- Gutka and Betel Quid: Individuals who chew gutka or betel quid, which is more widespread in India, are more likely to get throat cancer.
- Alcohol: Another big risk factor for throat cancer is excessive alcohol usage.
- Other than these, there are several other factors that may increase your risk of developing throat cancer:
- A diet deficiency in vegetables and fruits
- Consuming a lot of salt-cured meat and fish
- Asian ancestry
Throat Cancer Stages
Listed below are the throat cancer stages:
- Stage 0: Also referred to as carcinoma in situ. It's the very start of the scale. It applies to aberrant cells in the throat lining that have the capability to turn out cancerous.
- Stage 1: It refers to the extremely early stages of cancer. In the first stage of throat cancer symptoms, the tumour is no more than two centimetres in diameter, and the malignancy has not spread to the lymph nodes.
- Stage 2: A tumour in stage II is one that is larger than two centimetres but not bigger than four centimetres. Cancer in stage II has not spread to the lymph nodes.
- Stage 3: It is defined as cancer that has progressed to a lymph node on the neck's same side as the tumour or is more than four centimetres in size. That lymph node is likewise less than three millimetres in size.
- Stage 4: This cancer is at its advanced stage, and the afflicted region might be of any size. Cancerous cells may have spread to neighbouring tissues such as the oesophagus, trachea, thyroid, jaw, and mouth. It can sometimes reach neighbouring organs such as the lungs, especially in severe instances.
Throat Cancer Signs and Symptoms
It refers to a variety of cancers that can affect diverse areas of your throat in various ways. The most prevalent throat cancer symptoms are
- A persistent sore throat lasting over two weeks
- Experiencing pain while swallowing food
- Change in the voice that continues longer than two weeks, such as hoarseness
- Lumps in the mouth or back of the mouth
- Pain in the ear lasting over two weeks
- Lumps in the neck as well as the back of the neck
Well, having all these aforementioned symptoms does not always indicate that a person has throat cancer. These are frequent indicators of less severe illnesses. If individuals experience a symptom that lasts two weeks or longer, consult the doctor to determine what's causing it.
- Swollen lymph (individuals might see a bulge in their neck)
- Breathing problems (creates a blockage in an individual's oesophagus or windpipe)
- Weight loss (direct impact of unable to swallow food)
- Aside from these, throat cancer also causes the following symptoms:
- Ear pain
- Intense coughing that might cause bleeding
- Patches inside the tongue or mouth
Throat Cancer Diagnosis
Several tests are used by healthcare professionals when it comes to diagnosing throat cancer. They utilise the following tests to diagnose throat cancer (laryngeal as well as oropharyngeal):
- Physical Examination: An individual's doctor will inquire about your symptoms as well as any behaviours that may enhance your chance of acquiring throat cancer.
- Pharyngoscopy: This test may be performed by an individual’s healthcare practitioner to diagnose oropharyngeal cancer. Their healthcare professional will perform this scope procedure.
- Laryngoscopy: This test allows a healthcare provider to examine the patient's throat. They might perform a direct laryngoscopy to check the throat and the region behind the nose in greater detail. A patient's healthcare provider will perform this scope procedure.
- MRI (Magnetic Resonance Imaging) Scan: This particular test creates pictures of your throat using a magnet and radio waves.
- Endoscopic Biopsy: The healthcare provider might conduct this test in order to procure tissue samples.
- CT (Computed Tomography) Scan: This examination produces comprehensive photographs of an individual’s throat. This imaging test may be used by your doctor to diagnose laryngeal or oropharyngeal cancer.
- PET (Positron Emission Tomography) Scan: Healthcare professionals basically conduct this test in order to look for cancer spreading signs.
Throat Cancer Treatment
Several therapies may be used by healthcare practitioners to treat the most prevalent types of throat cancer. If you smoke or use tobacco, your doctor may advise you to quit before undergoing treatments such as surgery, chemotherapy, or radiation to help your treatment be more successful and reduce adverse effects. Here is information about laryngeal and oropharyngeal cancer treatment options:
- Surgery: To treat laryngeal carcinoma, surgeons may employ one of many surgical methods. The goal of surgery is to remove as much cancer as possible while keeping your larynx and ability to talk and swallow intact.
- Chemotherapy: Chemotherapy and radiation therapy may be combined by healthcare practitioners. Chemotherapy may also be used before or after surgery.
- Radiation Therapy: Radiation treatment may be used by healthcare practitioners to treat minor tumours or before and after surgery.
- Immunotherapy: This therapy safeguards your immune system's reaction to malignancy.
- Targeted Therapy: Targeted treatment concentrates on proteins in cancer cells that aid in cell growth and replication. This medication either kills or inhibits the development of cancer cells.
Throat Cancer Preventive Measures
There is no foolproof strategy to avoid throat cancer. People who use nicotine or consume large amounts of alcohol may develop throat cancer. Also, HPV throat cancer infections are becoming more common. You can lower your risk by doing the following:
- Try to stop smoking or consuming tobacco.
- Limit your alcohol consumption to moderate levels.
- Getting vaccinated against HPV and preventing HPV infections Oropharyngeal carcinoma is more prevalent in people who have a certain HPV type.
- Develop good eating habits. Laryngeal cancer has been related to poor diet, obesity, and vitamin deficiencies, according to researchers. A diet high in vegetables, fruits, whole grains, and lean protein may lower your chances of acquiring laryngeal cancer.
Why Should You Buy Throat Cancer Insurance Even If You Have a Medical Insurance Policy?
Cancer is a fatal illness with catastrophic emotional and financial consequences. Coping with such a disease may be difficult for everyone concerned. Still, the availability of cancer therapy provides many people with peace of mind.
Today, purchasing critical illness insurance as a complement to a medical insurance policy in India is the greatest approach to avoiding financial and emotional stress. It minimises out-of-purse expenses connected with throat cancer treatment, such as radiation treatment, chemotherapy, surgery, medication costs, and nursing care. The amount insured is determined by the stage of cancer at which it was diagnosed.
Mentioned below are a few more reasons why you must obtain such a cover policy:
Coverage for Throat Cancer: You can augment the coverage offered by your current health insurance plan by acquiring a critical insurance policy. As a result, if you are ever diagnosed with throat cancer, you will be financially able to tackle the treatment.
Financial Security for Your Income and Savings: Without a health policy that covers throat cancer, you'll be forced to bear the financial burden of considerable medical expenditures incurred as a result of such treatment. Many people sell out their properties to afford such treatment.
Reasons Why Tata AIG Throat Cancer Policies are the #RightChoice
Tata AIG provides one of the best throat cancer insurance coverage in India. Our plans provide a number of benefits that make them the ideal option for you. Some of the advantages of Tata AIG throat cancer insurance are as follows:
Financial Support: Under our critical illness insurance packages, we give a lump sum payout of your whole sum covered, which can be a great financial help.
Second Opinion Benefits: You might wish to get a second opinion on your throat cancer diagnosis at some point. In such a case, you may proceed with confidence because your Tata AIG throat cancer insurance would cover the costs.
Increase Your Assured Sum: When renewing your throat cancer insurance policy, you have the option of increasing the total sum assured.
Simple and Clear-Cut Online Procedure: Because of digitalisation, obtaining medical health insurance coverage is now easier than ever. Tata AIG makes it straightforward and easy to obtain medical insurance or critical illness coverage, as well as renew it and file a claim.
Monthly Income Benefit: The total amount covered by your medical policy with throat cancer coverage can assist in compensating for any monthly income loss that may occur as a result of your incapacity to work full-time immediately after diagnosis.
Perks of Throat Cancer Insurance Plans
Customers who purchase throat cancer insurance receive a variety of significant perks. Some of the benefits of a throat cancer insurance package are as follows:
- Provides Financial Support in Medical Emergencies: With the rising cost of medical care in India, which may coincide with a loss or drop in your monthly income or savings. In this instance, a medical insurance policy might give financial support in the form of lump sum payments from the total amount promised.
- Can Be Used to Compensate for Daily Income Loss: The loss (likely) of your ability to work and earn money throughout your treatment might create considerable financial difficulty for your household and family. Having throat cancer coverage with Tata AIG’s medical insurance package might assist you in restoring your lost monthly revenue stream.
- Covers Every Procedure for Treating Throat Cancer: Tata AIG's throat cancer coverage will include all aspects of therapy, like the full coverage for diagnostics, radiation, chemotherapies, and other procedures, with a single insurance policy. As a consequence, you can start cancer treatment without worrying about losing your life’s savings.
- Financial Backing Other Than Your Health Policy: A throat cancer insurance will offer you financial backing together with your regular health policy. It also makes up for the lack of cancer (critical illness) coverage in a regular medical plan. Consequently, if you obtain this plan and are diagnosed with throat cancer, you'll be better placed financially.
- Affordable Premium Rates: Tata AIG can provide you with low-cost throat cancer insurance coverage. Choosing a health insurance plan that includes coverage for throat cancer is thus a good decision.
- Tax Benefits: With a medical plan, you will not only have appropriate coverage for your throat cancer treatment, but you will also be able to claim health insurance tax advantages as a consequence of the premiums you pay for your insurance policy. The 1961 Income Tax Act (Section 80D) permits you to claim a ₹25,000 tax deduction for medical insurance premium payments. And for senior citizens, it's ₹50,000.
Purchasing Throat Cancer Insurance: How to Do It?
Tata AIG provides the best medical insurance coverage to our customers. Purchasing a health policy with a throat cancer insurance policy from us is likewise a simple and uncomplicated process. In order to proceed, please follow the instructions outlined below:
Navigate to the official web portal of Tata AIG and Choose for whom you wish to purchase health insurance. You can purchase medical insurance for any member of your family (parents, dependent kids, spouse), including yourself. As soon as you have determined who is going to be insured, tap on the "Get Plan" option. Provide the necessary information, and we will recommend the best and appropriate plans for you. On the next page, all you need to do is select the sum insured. You can do it by clicking the drop-down menu. After that, you'll be able to view the premium amount. You may also compare the policies to see which one best suits your needs. Choose the policy you want to purchase and select the "Buy Now" button. Our customer service team will call you shortly to assist you in determining the appropriate coverage for you. You also have the option to reach out to our customer care department, and we will take care of it for you.
Just to mention, you also have the option to pay a visit to your nearest Tata AIG office and buy a medical policy with cancer insurance cover offline. You can also follow these steps for offline health insurance purchasing from Tata AIG —
- Find a Tata AIG office nearest to your location.
- Visit the office and go to the reception desk and express your desire to purchase a health insurance policy.
- Our representative will discuss health insurance plans that will be the best for you.
- Once you have decided on a plan, our representative will help you fill out the application form, attach relevant documents and make the payment.
You can also acquire a health plan that includes a throat cancer cover in order to enjoy the benefits of both a health policy and a throat cancer cover.
What Throat Cancer Symptoms and Treatment Are Covered by a Tata AIG Throat Cancer Insurance Plan?
To establish whether or not you have throat cancer, you must look for a few signs of throat cancer on your own. If you happen to be experiencing a sore throat for more than two weeks, have ear pain, or feel pain in your mouth while swallowing food, you should consult an oncologist and follow the instructions provided by your physician.
Before you pick a throat cancer policy, you need to be aware of the inclusions and exclusions of a Tata AIG cancer cover policy. Listed below are a few of the coverage inclusions and exclusions for a cancer insurance plan:
Detection Procedure: Well, cancer is a health condition that causes a malignant tumour to form in the body. Malignant cell growth and spread become unchecked, killing normal tissues. To confirm throat cancer, several tests are carried out like pharyngoscopy, endoscopic biopsy, laryngoscopy, CT Scan, physical examinations, MRIs, and PET. The throat cancer insurance will pay for the whole detection process.
Second Opinion Benefits: If you are not happy with your doctor's diagnosis of throat cancer, you should seek a second opinion. The medical plan will pay any expenditures incurred during this time period.
Consumable Expenses: Several other expenditures covered by the plan include pre and post-hospitalisation costs, related medical charges, domiciliary hospitalisation, daycare procedures, ambulance fees, and so on.
- Gleason score of less than 6 for prostate tumours
- Bladder's microcarcinoma
- Chronic lymphocytic leukaemia (if it's less than Stage 3)
- Skin cancer (invasive malignant melanoma - special case)
- Thyroid papillary microcarcinoma (if the size is less than 1 centimetres)
- Any comorbidities that were not disclosed during the medical insurance application process.
- If the throat cancer signs existed before the insurance policy date or arose during the first 3 months of the insurance policy's issuance, your claim will be refused.
- Any illness caused by a physical or mental condition that existed during the policy issuance time or the commencement date of the insurance won't be covered.
- Self-inflicted injuries like suicide, STDs (sexually transmitted diseases), and so on. It also includes any form of harm caused by adventure sports like skydiving or paragliding.
- Any extra therapy or diagnostic that's unrelated to the health condition.
Claiming Throat Cancer Insurance: Documents Needed
If you wish to have the insurance claim settlement procedure go seamlessly, you must submit all essential documents on time. To file a throat cancer insurance claim, you must have all of the essential documentation. The following are the papers you need to submit for such an insurance claim:
Insurance Claim Application Form: You need to fill out and sign the health insurance application form. You can easily do this through our web portal. After these steps, you can monitor and track the progress of your throat cancer insurance claim. You need to notify Tata AIG and complete this application form within 30 days of receiving throat cancer treatment.
Essential Documents: Tata AIG will request the following papers from you or whoever is submitting the claim on your behalf after we receive your throat cancer insurance claim application:
Medical documents, hospital discharge summary, case histories
A detailed and correct diagnosis of throat cancer
Any other documents required for the claim procedure as asked by our in-house claim specialists.
Tata AIG will examine and authenticate the correctness of the papers you supplied in support of your throat cancer medical insurance claim. And we'll get started on it within just 15 days of your throat cancer treatment or hospital release. If we approve your claim form, rest assured you will be reimbursed within 30 days of receiving every appropriate paperwork.
Considerations When Procuring a Throat Cancer Insurance Plan
You need to keep a few things in mind while purchasing throat cancer insurance. Here are a few critical points:
Check that the sum promised is sufficient:Medical inflation is expected to climb by 15% every year. Cancer treatment can be time-consuming, therefore, it is best to purchase cancer insurance coverage with a substantial sum insured. This will guarantee that finances are available for your life-saving cancer treatment.
Examine the payment schedule: A decent critical illness insurance policy should provide complete coverage for all phases of the disease. The majority of plans offer 25% of the total insured at the early stage and the remainder at the major stage.
Check out extra policy benefits:Some health insurance firms provide extra perks to differentiate their plans from the competitors. Some of these perks include recurring income for a certain length of time and a premium benefit waiver. These extras are crucial because they bring additional relaxation during a difficult time. Most critical illness insurance plans have these benefits; nonetheless, it is best to double-check that they are included with the throat cancer insurance plan you are purchasing for yourself or your loved ones.
Policy duration:A throat cancer insurance plan with a long duration is usually advantageous since it provides the insured with protection for a longer period of time for the same premium amount.
Check the waiting and survival period: It’s advised that you read the policy specifics since they include information on the waiting period; that is the time you’ll have to wait before the insurance provides benefits. Check the survival period, which is the time following the diagnosis that the insured must be alive in order to access the policy's benefits. Being diagnosed with throat cancer is frightening, and the cost of its treatment is unquestionably a nightmare for the middle class. Purchasing a health policy with cancer insurance coverage is a big financial help that can rescue you from financial ruin if you are ever diagnosed with such an ailment.
Throat Cancer Insurance: Tax Benefits
The premiums you generally pay for a throat cancer cover policy are tax-exempt as per the 1961 Income Tax Act (Section 80D). However, your tax savings will be decided based on your age group.
The following is an overview of the tax advantages of throat cancer cover:
|Assesse's Age||Critical Illness Insurance Cover Recipients||Maximum Permissible Tax Deduction|
|Below the age of 60||Self, parents, dependent kids, and spouse||₹25,000 in return for paying premiums for dependent children, spouse, and self. ₹25,000 in return for paying premiums for parents below the age of 60. ₹50,000 in return for paying premiums for parents above the age of 60.|
|Above the age of 60||Self, parents, dependent kids, and spouse||₹50,000 in return for paying premiums for dependent children, spouse, and self. ₹50,000 in return for paying premiums for parents above the age of 60.|
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Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Frequently Asked Question
1. What are some of the potential post-throat cancer recovery complications?
After the treatment of throat cancer, some people relearn how to talk. A physical therapist and a speech therapist can assist with this. Furthermore, some people diagnosed with throat cancer face certain complications. These might include -
- Difficulty in swallowing food
- Changes in the look of the face or neck
- Difficulty in breathing
- Difficulty in speaking
- Hardening of skin around the neck area
Occupational therapists can assist with swallowing problems. Your doctor can advise you if reconstructive surgery is required to deal with this or other difficulties.
2. Do I need to have cancer insurance coverage despite having a medical insurance policy in place?
Without a doubt. Purchasing a cancer cover plan together with your medical policy is the proper thing to do. Cancer treatment is relatively costly, and most standard health insurance plans don't cover the expenses incurred as a result of cancer treatment. Furthermore, standard health insurance payouts are dependent on hospitalisation expenditures, but cancer cover payouts are made once you are diagnosed with this condition.
3. Is it okay to purchase health insurance with cancer cover online?
Yes, buying health insurance with cancer cover online is completely safe and secure. In reality, it has a number of additional benefits.
Here's a brief rundown of the advantages of getting health insurance with cancer cover online:
- You will save time and money.
- You can compare several plans in real time.
- You have comprehensive access to all cancer cover information.
- You get to receive lower premium rates.
4. What's the difference between critical illness insurance and cancer insurance?
The breadth of coverage distinguishes a cancer insurance plan from a critical illness plan. A cancer insurance plan is a form of speciality health insurance plan that specifically covers cancer. In contrast, a critical illness plan covers a variety of other terminal and non-terminal conditions in addition to cancer, such as end-stage liver disease, renal failure, and cardiovascular disease, among others.
5. What if I need to see a doctor for throat cancer treatment at a hospital that is not in my network?
The network hospitals approved by your medical insurance plan assist you in obtaining cashless coverage for throat cancer treatment costs. If you need to see a doctor who practises at a hospital that is not on the list of network hospitals of your insurance provider, you may still claim those costs via your plan. However, instead of cashless coverage, the insurer would usually repay your spending.
6. How many network hospitals are Tata AIG empanelled with?
Tata AIG is empanelled with over 7,200 network hospitals around the nation. All of these facilities provide cashless hospitalisation to policyholders.