Many of us have already been through the psychological stress induced by the diagnosis of cancer, whether as patients or as concerned family members or friends. Many of us may experience cancer since according to the statistics, every third man and every fourth woman in Serbia will develop this serious illness at some point in their lives. After facing the diagnosis, patients need to face the treatment expenses that lie ahead.
Voluntary Health Insurance covers numerous treatment expenses, however, there are many healthcare costs which are not included in the cover and which need to be paid with your own money. Family budget is already overstretched by daily household expenses, loan instalments, or expenses for the education of your children. In the event that the cancer diagnosis is established, will the family budget be able to cover ever growing treatment costs?
Cancer Protection Insurance provides the cash benefit in the event of the confirmed cancer diagnosis, which may help you to protect anything that you find valuable and have cherished for years, and to cover the indirect costs relating to cancer treatment such as loss of income due to a long sick leave, expenses of care for your children, or costs of travel, accommodation and food during the treatment in another town.
In cooperation with MediGuide company, Cancer Protection Insurance offers the service of Medical Second Opinion on the established cancer diagnosis and treatment provided by the leading world experts on diagnostics and cancer treatment.
We hope you will never need to worry about cancer, but just in case, Cancer Protection Insurance may offer you a financial support and possibility to concentrate on the recovery and restoring your health.
Cancer Protection Insurance represents a new generation of critical illness insurance and is the first product of this kind in Serbia. Cancer Protection includes a single payment of the sum insured in the event that during the insurance period the insured person is diagnosed with cancer for the first time:
- After the establishment of initial diagnosis of non-invasive cancer, 15% of the sum insured will be paid, and the insurance will be valid only in case the insured person is diagnosed with invasive cancer *
- After the establishment of initial diagnosis of invasive cancer, 100% of the sum insured will be paid, and the insurance will terminate
*Definitions of invasive and non-invasive cancer are provided in the Special Terms and Conditions for Voluntary Health Insurance against Cancer Risk.
All insured persons with definitive cancer diagnosis or suspected cancer can use the Medical Second Opinion service provided by the world leading experts on oncology. Medical Second Opinion on the diagnosis and proposed treatment is provided based on the original medical records.
During the insurance period, the insured person can use the Medical Second Opinion service more than once, in accordance with the terms and conditions of this insurance.
Medical Second Opinion service for the persons insured by Dunav Insurance is provided by MediGuide company*.
*For detailed information, please refer to the Special Terms and Conditions for Voluntary Health Insurance against Cancer Risk.
For more information about the right to Medical Second Opinion service, the insured persons can call MediGuide at 0800 191-036.
GAINING STATUS OF THE INSURED
Any person who is the national of the Republic of Serbia may qualify for this insurance, regardless of age, gender, or medical condition.
The contract may be signed for individual or group insurance.
Individual insurance may be concluded for the period of one to five years, whereas upon the expiry of the insurance period, the insurance can be renewed. The policyholder of individual insurance may also be the insured person.
Group insurance may be concluded for minimum 10 persons. Group insurance may be concluded for the period of one year, whereas upon the expiry of the insurance period, the insurance can be renewed.
The Contract stipulates the 180-day waiting period for individual insurance and/or 90-day waiting period for group insurance. The waiting period does not apply to the contracts renewed within 30 days from the expiry date of the insurance period, that is, to the continuous insurance coverage.
During the waiting period, the Insured will be entitled to the Medical Second Opinion service.
THE AMOUNT OF THE SUM INSURED AND PREMIUM
The amount of the sum insured is predetermined and may amount to 500.000, 1.000.000, 3.000.000, or 5.000.000 RSD.
Pre-existing condition represents the grounds for the exclusion of the Insurer’s obligation to pay the insurance benefit or its part.
Pre-existing condition includes:
- any form of tumour, cancer, leukaemia, lymphoma, pathological changes on the skin or moles which have bled, become painful, changed in colour or increased in size, or
- colon polyposis, inflammatory bowel disease (Crohn disease or ulcerative colitis), polycystic kidney disease, benign breast disorders, asbestosis, any form of hepatitis or liver cirrhosis
The Insured person, who is confirmed to have suffered from a pre-existing condition, is entitled to the Medical Second Opinion service.