Insurance & cashless treatment for childhood cancer — we handle the paperwork, you focus on your child

Most comprehensive health insurance policies in India — including family floater plans and individual plans that list a child as a dependent — cover hospitalisation, surgery, chemotherapy, and radiation for childhood cancer. Coverage depends on your policy's sum insured, any sub-limits on specific treatments, and the policy wording on cancer. Critical illness riders attached to some policies pay a lump sum directly to you on diagnosis, giving you immediate liquidity. Our team reviews your policy document with you on the first visit and tells you exactly what is covered, what is not, and how to file so the claim is approved the first time.

A cashless claim means the hospital settles the bill directly with your insurance company through a third-party administrator (TPA). You do not pay from your pocket first and claim later — the insurer pays the hospital directly for covered services. To use cashless treatment at a network hospital, you (or the hospital team) initiate a pre-authorisation request before admission. Once approved, covered services are billed directly to the insurer. You are only responsible for non-covered items, co-pay amounts, or expenses above your sum insured. CION's billing team initiates the pre-authorisation on your behalf and follows up with the TPA so you do not have to.

CION Cancer Clinics works with major health insurers through hospital network tie-ups that enable cashless treatment for eligible patients. Our admissions team verifies your insurer and policy on the day of your first visit. If your insurer is in the network, we initiate the pre-authorisation before treatment begins. If a direct cashless arrangement is not available with your specific insurer, we help you collect and organise all the required documentation so you can file a reimbursement claim quickly after treatment. Please call us on 1800 202 8726 to confirm whether your specific insurer is in the current network.

Aarogyasri Health Care Trust in Telangana covers a broad range of cancer treatments — including surgery, chemotherapy, and radiation — for eligible families at empanelled hospitals. Children of BPL (Below Poverty Line) families and other income-eligible households are covered as beneficiaries. The scheme works on a cashless basis: pre-authorisation is granted by the trust before treatment, and the hospital bills the trust directly. CGHS, ECHS, and ESI follow similar cashless mechanisms for children of eligible government employees and workers. Our admissions team checks your scheme eligibility on the first visit and completes all pre-authorisation paperwork.

The core documents for a health insurance claim include: a completed claim form from your insurer, all hospital bills and receipts, the discharge summary, pathology reports (biopsy/diagnosis), investigation reports (MRI, CT, PET-CT, blood tests), prescriptions, and your policy number and health card. For a cashless claim, the hospital submits most of these directly to the TPA. For reimbursement, you collect originals from the hospital. CION provides a complete discharge package with all clinical records organised so your claim submission is complete and correct. Our billing team is available to answer insurer queries after discharge.

It is common for the insured sum to fall short — especially for childhood cancers that require long treatment courses. When this happens, we work with you to identify every available option: activating any critical illness rider on your policy, checking eligibility for Aarogyasri, CGHS, ECHS, or ESI, exploring structured EMI arrangements through our empanelled finance partners, and connecting you with NGOs and patient-assistance programmes that support families in exactly this situation. We never recommend that a family delay or skip medically indicated treatment because of a funding gap — we find the path forward together.