Star Cancer Care Platinum Insurance Policy
IRDAI UIN: SHAHLIP22031V022122
HIGHLIGHTS
Plan Essentials
Medical Examination
Unique Cover
Lump Sum Cover
Hospice Care
DETAILED LIST
Understand what’s included
SECTION I
Policy TermThis policy can be availed for a term of one year. |
Entry AgeAny person aged between 5 months and 65 years can avail this policy. |
Sum InsuredThe Sum Insured options under this policy are Rs. 5,00,000/-, Rs. 7,50,000/- and Rs. 10,00,000/-. |
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered up to 2% of the basic Sum Insured per hospitalisation. |
Road AmbulanceAmbulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered. |
Room RentRoom (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
ICU ChargesICU charges at actuals are covered under this policy. |
Cataract TreatmentExpenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause. |
Modern TreatmentModern treatment expenses are covered up to the limits mentioned in the policy clause. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Rehabilitation & Pain ManagementExpenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or the maximum up to 10% of the basic Sum Insured, whichever is less, per policy period. |
Hospice CareFor cancer patients with advanced life-limiting cancer, 20% of the Sum Insured is payable for compassionate care at Network Hospitals after the completion of 12 month waiting period. |
Co-paymentIf the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount. |
Cumulative BonusCumulative bonus is provided at 5% of the Sum Insured for each claim-free year subject to a maximum of 50% of the Sum Insured. |
Second Medical OpinionThe Insured person can avail a Second Medical Opinion from a Doctor in the Company's network of Medical Practitioners. |
Health Check-UpExpenses incurred for health check-up are covered up to Rs. 2500/- for every claim-free year. |
Wellness ServicesThis program intends to promote, incentivize and to reward the Insured Persons' healthy life style through various wellness activities. |
Instalment OptionsThis policy premium can be paid on a quarterly or half-yearly basis. |
AYUSH Treatments Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured |
SECTION II
Lump Sum Cover for Cancer - Optional CoverA Lump sum amount is provided for the recurrence of cancer, metastasis, and/or a second malignancy unrelated to the first cancer. This benefit is provided in addition to the Sum Insured of Indemnity cover under Section I. The Sum Insured under this Section is 50% of the Section I Sum Insured. |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
‘Happily Insured!’ with Star Health
We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
Tiji K Oommen
Thiruvananthapuram
Get Insured
Vanishree
Bengaluru
Get Insured
Ramachandran
Chennai
Get Insured
Shaila Ganachari
Mumbai
Get Insured
Sudhir Bhaiji
Indore
Get Insured
My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
GET STARTED
Be Assured of the Best
Get your future secured with us.
Want more information?
Ready to get your policy?
Cancer is the uncontrolled growth of abnormal cells in your body. Cells become Cancerous due to the accumulation of defects or mutations in the DNA. The Cancerous cells grow out of control, invade other tissues and spread to other organs. The most prevalent Cancers are breast, lung, colon, rectum and prostate cancers.
Causes and interpretations
Cancer is mainly caused by an individual's genetic, environmental, or specific constitutional characteristics. Other causes include tobacco use, alcohol consumption, high Body Mass Index (BMI), less intake of fruits and vegetables and lack of physical activity.
According to the National Institute of Cancer Protection and Research (NICPR), 2.25 million people in India are currently living with Cancer, and every year, about 1.15 million new cases are added to the list. The lives of Cancer patients can be improved significantly by detecting the disease early and avoiding delays in treatment. Cancer care is quite expensive, whether it is the diagnosis, radiation therapy, chemotherapy or surgery.
Star Cancer Care Platinum Insurance Policy (UIN: SHAHLIP22031V022122)
India witnesses a staggering 1.16 million new cancer cases annually, with every third person being at risk of developing cancer (WHO). Cancer incidence rates are rising due to lifestyle changes, genetics, and environmental factors. Given the exorbitant treatment costs, having an insurance coverage for cancer is crucial. It provides financial protection, ensuring access to quality treatment without depleting the savings.
Things you need to know in a cancer insurance plan
The availability of high-quality healthcare facilities has increased the survival rate of cancer patients. Cancer can often financially drain the patient and their family members. Rising medical inflation creates a demand for staying well-prepared financially to get the treatment done on time.
Hence, opting for the right cancer insurance plan can ensure the cancer patient’s journey toward recovery and revert to everyday life routines. Let’s know about the different cancer covers available on the market.
1.Critical Illness cover for Cancer patients
If you are looking for a financial shield against life-threatening diseases like cancer or other critical illnesses, insurance for cancer patients (critical illness coverage) can help.
Features of Critical Illness cover
Some highlighting benefits of Critical Illness cover include:
- Critical Illness cover pays a lump-sum amount after the insured is diagnosed with a specified Critical illness, which can be utilised for treatment or other related expenses. For Cancer, the cover offers a lump sum after the first diagnosis.
- A Critical Illness plan is much more affordable than other regular plans as it covers only those specified Critical Illnesses. Critical Illness coverage can be purchased as individual policies or as riders with the existing Health Insurance plan.
When it comes to cancer, some of the downsides of the Critical Illness plans are listed below:
- Cancer, being a Pre-existing disease (PED), is covered under the Critical Illness plans after a certain waiting period.
- Most of the Critical Illness plans do not cover the complications due to Cancer.
- The Critical Illness plan covers the early stage of Cancer.
- The plan ceases to exist if the insured shows cancer symptoms within the first 90 days.
- Moreover, a regular Critical Illness plan provides only a lump-sum benefit and does not waive future Premiums payable by the insured. A specialised Cancer care Health Insurance plan can take care of such factors.
Therefore, opting for a dedicated Cancer care Health Insurance plan can be more beneficial.
2. Cancer care Health Insurance plan
A Cancer Health Insurance plan is an indemnity-based policy that covers all three cancer stages: early, primary and advanced. It is a unique Health Insurance policy explicitly designed to cover hospitalisation and treatment expenses for Cancer.
Top benefits of a Star Cancer Care Platinum Insurance Policy
Before considering a cancer insurance plan, you need to understand the benefits of health insurance for cancer patients:
- A comprehensive Cancer insurance policy can cover various types of cancer in men and women at both early and advanced stages. Hence, the plan provides financial and mental security for the insured as a lump sum is paid on diagnosis of cancer.
- The policy covers recurrence, metastasis and a second malignancy unrelated to the first cancer.
Some of the common cancers covered by such insurance plans include:
1. Breast Cancer
2. Ovarian Cancer
3. Lung Cancer
4. Stomach Cancer
5. Hypolarynx Cancer and
6. Prostrate Cancer, etc.
In other types of cancer, money is payable at various stages of diagnosis, treatment and surgery, including the minor, major and critical stages.
- Some insurers also cover the treatment of non-cancer ailments under Cancer care policies. Premedical screening is not mandatory for most Cancer care Health Insurance plans—the previous medical records, including treatment details, will be submitted along with the proposal.
- The best advantage of cancer care plans is that they are available at affordable Premiums.
- Cancer care policies offer a premium waiver benefit in some instances.
Also, the Premiums paid are eligible for tax benefits under Section 80D of the Income Tax Act 1961.
Tailored Coverage for Every Stage of Cancer
The Star Cancer Care Platinum Insurance Policy stands out due to its tailored approach to covering all stages of cancer. From early detection to advanced stages, this policy ensures patients have the financial support needed at every step of their journey. Unlike generic health insurance plans, the Star Cancer Care Platinum Insurance Policy is specifically designed to address the unique needs of cancer patients.
Financial Safeguard Against Cancer
One of the most significant benefits of the Star Cancer Care Platinum Insurance Policy is its role as a financial safeguard. Cancer treatment costs can quickly escalate, draining savings and causing financial distress. This policy provides cover for persons diagnosed with Cancer (any stage). Also provides indemnity coverage for medical expenses incurred for Cancer and Non cancer ailments, ensuring that patients can access the best possible treatment without worrying about the costs. Lumpsum benefit is an optional cover wherein a recurrence, metastasis, and / or a second malignancy unrelated to first cancer is covered.
Holistic Health Insurance for Cancer Patients
The Star Cancer Care Platinum Insurance Policy goes beyond traditional health insurance by offering holistic coverage. This includes hospitalization and treatment costs and expenses related to non-cancer medical conditions. This comprehensive approach ensures that patients receive well-rounded care, addressing their cancer-related and general health needs.
Key Features of the Star Cancer Care Platinum Insurance Policy:
Star Cancer Care Platinum Insurance Policy provides cover for persons diagnosed with Cancer (any stage). Also provides indemnity coverage for medical expenses incurred for Cancer and Non cancer ailments.
- Non-Cancer Treatment Coverage: The policy extends its benefits to cover non-cancer-related medical expenses, offering a comprehensive health insurance solution for cancer patients.
Unique Advantages of Star Cancer Care Platinum Insurance Policy
What sets the Star Cancer Care Platinum Insurance Policy apart from other cancer policies is its unique advantages tailored to the needs of cancer patients:
- Regular Health Check-Ups: The policy includes regular health check-ups, which are crucial for early detection and monitoring of health conditions.
- Second Opinion Services: Policyholders can use second opinions to ensure they are receiving the best possible treatment and care.
Specialized Cancer Care
The Star Cancer Care Platinum Insurance Policy is not just about financial protection; it also focuses on providing specialized care tailored to the unique needs of cancer patients. This includes coverage for advanced treatments, such as oral chemotherapy and robotic surgeries, and supportive care like rehabilitation and pain management.
Star Health Insurance offers the Star Cancer Care Platinum Insurance Policy. This policy keeps the insured financially prepared during their fight against Cancer and provides indemnity coverage for medical expenses incurred for Cancer and Non-cancer ailments without any pre-medical tests and provides lump-sum on recurrence of cancer. Individuals between the age group of 5 months and 65 years can avail this Insurance with Sum Insured options of up to Rs.10 Lakhs.
Advantages of Star Cancer Care Platinum Insurance Policy :
Star Cancer care Platinum Insurance Policy offers wide range of coverages such as:
- Room boarding and nursing expenses are covered up to Single Standard A/C Room
- Coverage for emergency road ambulance services
- Pre and Post hospitalization cover up to 30 and 60 days respectively
- All day care procedures are covered with separate limits for Cataract
- Health check-up benefits up to Rs.2,500 every claim free year
- The expenses for 12 modern treatments, like oral chemotherapy, robotic surgeries, etc., are covered
- Understanding the need for specialized care for cancer patients, cover for rehabilitation & pain management, modern treatments and hospice care are also provided.
- This plan also provides a lump-sum cover for cancer if the Insured suffers a recurrence, metastasis, and / or a second malignancy unrelated to first cancer.
- At Star Health, we have understood the importance of end-to-end coverage for the Insured by providing Cumulative Bonus of 5% every claim free year up to 50% of the Sum Insured.
Exclusions in the Star Cancer Care Platinum Insurance Policy:
The expenses excluded from this plan are:
- The expenses for the dietary supplements and substances will not be included.
- Non-Allopathic treatment coverage is not included.
- Cost of cosmetic or plastic surgery.
- The charges for unproven treatments and maternity are not covered.
- Sterility and infertility expenses.
- Intentional self-injury treatment charges.
Many Cancer Insurance plans with special features are offered by leading insurance companies. Critical Illness plans may also be a better option as they provide coverage against a wide range of Critical diseases. Decide on the plan that suits your specific needs and purchase it. With such a strong financial backup, you can stay well-equipped to face such uncertainties.
With an option of a second opinion and wellness services, investing in Star Health’s Cancer Care Platinum Insurance Policy safeguards individuals from financial devastation, enabling focus on recovery and well-being.
Related Health Insurance Products
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply.