Future Generali India Life Insurance Company Limited is now Generali Central Life Insurance Company Limited. Generali Central Life Insurance Company Limited – A joint venture between Generali – one of the world’s leading insurers and Central Bank of India, India’s finest nationalised bank.
Future Generali India Life Insurance Company Limited is now Generali Central Life Insurance Company Limited. Generali Central Life Insurance Company Limited – A joint venture between Generali – one of the world’s leading insurers and Central Bank of India, India’s finest nationalised bank.

When you’re preparing to welcome your child into the world, a critical illness like cancer is something that would hardly cross your mind. Such news would certainly be heartbreaking for new parents. Knowing that the occurrence of such cases is extremely rare is, however, comforting. But while a child being born with cancer is certainly uncommon, it does take place.
Florida-based Erjona, who’d had a smooth pregnancy, sailed through an uneventful delivery on January 28, 2015. However, the new mother and her husband were shocked to discover that their daughter Melissa was born with a fever of 104 degrees. Her tiny body was marked by blue bruises. Her white blood cell count was much higher than the normal range. A week of medical tests later, the new parents learned that Melissa had acute myeloid leukemia (AML).
AML is a kind of cancer that begins in the myeloid cells, which typically go on to form WBCs, RBCs, and platelets. It’s a rare form of the disease, but it progresses rapidly. Like Erjona, many new mothers are often shocked to discover that babies can be born with cancer. It’s not a possibility expectant mothers want to consider. However, it’s the grim reality.
Various factors may contribute to the development of congenital cancer. While the research on this is still unestablished, scientists agree that gene mutations are the foundation of cancer in newborns. These mutations can be hereditary or acquired.
These are mutations in the genes that newborns inherit from their parents. Genetic mutations may increase the risk for certain types of cancers. It’s possible to test for inherited DNA changes by extracting blood or other body cells.
These mutations occur during cell division. When one cell becomes two, the DNA is copied from the original cell to the new one. Errors can occur in the DNA of the replicated cells when they’re dividing too fast. These errors result in acquired gene mutations.
It’s not known what causes these acquired mutations. Some errors in DNA replication may occur because of external factors like exposure to radiation. Others may be caused by random events occurring in the cell.
The answer is both yes and no. Some cancers can be identified during routine ultrasounds. Unfortunately, others might remain undetected until the baby is born. Advanced healthcare offers diagnostic options like in-utero MRIs and biopsies when needed. These techniques can help if a neonatologist suspects that the baby may have developed cancer in the womb.
The most common cancers in newborns
Infants typically tend to suffer from one of these four types of cancer.
● Neuroblastoma – It develops from immature nerve cells. Although the adrenal glands are generally where this cancer begins, it can also start in the neck, pelvis, chest, or stomach.
● Leukemia – Leukemia affects the tissues that form the components of blood. Acute lymphoblastic leukemia, acute myeloid leukemia, chronic myelogenous leukemia, and chronic lymphocytic leukemia are common in infants.
● Retinoblastoma – This is a very rare form of cancer that develops from immature cells in a baby’s retina. In around 60% of cases, only one eye is affected. In other children, retinoblastoma can be bilateral.
● Brain tumors – The most common types of brain tumors in newborns include medulloblastoma (which starts at the base of the skull) and ependymoma (which affects the central nervous system).
Acquired mutations are beyond human control. So, it’s not possible to prevent babies from being born with cancer. Fortunately, there are some things expecting parents can do to salvage the situation.
Expecting mothers should pay attention to their bodies. In case there’s the slightest sign that something doesn’t seem right, they need to bring it to the notice of their doctors, so timely action can be taken.
Newborns will require radiation treatment or chemotherapy to fight off the cancer. Parents can ease the infant’s troubles in whatever little way possible by following the doctor’s advice devotedly.
In case they have any doubts or queries, parents of newborns with cancer need to clarify it with their doctor. Taking refuge in other sources of information could do more harm than help.
Before planning to have a baby, it would be a smart move for couples to obtain a comprehensive health insurance policy that includes cancer insurance. It’s also essential that couples read the fine print and understand the terms of the cancer insurance policy.
Obtaining a health insurance cover is easier now, with many insurance service providers offering details of their policies online.
There’s still good news
Congenital cancers do occur. Nevertheless, they are still rare. Cancers developing in the duration between the prenatal period and up to 3 months of postnatal life make up only 1-2% of pediatric cancers. Considering how rapidly cell division occurs during this phase, it is a marvel that genetic mutations aren’t more common.
And in those rare cases when a baby is born with cancer, modern medical treatment options can often cure the disease. Take Melissa’s case, for instance. She received chemotherapy soon after her diagnosis. Her acute myeloid leukemia responded well to the treatment she received. And after six months of chemotherapy, the newborn went home cancer-free. With oncological research progressing quickly, newer treatments might be just around the corner. Once established, they could improve the prognosis for newborns with cancer even more.
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Have questions? Get help and reliable support from experts at Generali Central India Life Insurance.
From insurance basics to wealth-building strategies — everything you need, in one place.
Here are answers to some of the questions you might have.
Life insurance is a financial safety net that supports your loved ones in your absence. If something happens to you, it provides them with funds to help cover everyday expenses, repay debts, and achieve future goals. It gives you peace of mind, knowing your family’s financial future is secure— no matter what.
The right plan depends on your needs.
Start by assessing your life stage, financial goals, and the needs of your family. Consider factors like your income, outstanding loans, future expenses and goals (like children’s education, foreign travel, study abroad), and desired coverage amount. We offer a wide range of plans that cover multiple goals and budgets. To get a better idea and make a confident choice consult with a financial advisor or call us on 1800 102 2355.
A good rule of thumb is to aim for coverage that's 10–15 times your annual income. Consider your family’s living expenses, outstanding loans, children’s education, and long-term goals. The right amount ensures your loved ones can maintain their lifestyle and meet future needs— even in your absence.
We would love to help you choose and buy the right policy for your needs. Call our toll-free number 1800 102 2355 or drop us an email at care@generalicentral.com.
Reach out to us in any way that you prefer, and our team of experts will soon get back to you!
Understand your policy better with key details and insights into our Generali Central Life Insurance.
This Product is not available for online sale. Life Coverage is included in this Product. For detailed information on this plan including risk factors, exclusions, terms and conditions etc., please refer to the product brochure and consult your advisor, or, visit our website before concluding a sale. Tax benefits are as per the Income Tax Act 1961 and are subject to any amendment made thereto from time to time. If you have any request, grievance, complaint or feedback, you may reach out to us at care@generalicentral.com For further details please access the link: www.generalicentrallife.com/customer-service/grievance-redressal-procedure.
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