Star Health Insurance Cancer Care Gold
Cancer Care Gold from Star Health is that the first ever product of health insurance for people diagnosed with cancer. The policy is meant to cover the danger for recurrence or spreading of cancer (metastasis) or second cancer (second malignancy) that’s not associated with the first cancer. It provides a payment amount on the basis of sum assured just in case of recurrence, Stage II cancer unrelated to Stage I cancer or metastasis. The policyholders also get the advantage of indemnity protect surgical and intervention therapy also as non-surgical and non-intervention therapy depending on the sum insured opted for. Star Health offers a number of insurance policies with various unique benefits and features. The Cancer Care Gold (Pilot Product) by Star Health provides many exclusive benefits and features. This health insurance plan also provides coverage for medical expenses.
What is Special in Star Cancer Insurance?
An insurance cover for the First time in Indian Insurance History to Cancer affected lives.
What does it offer?
- A lump sum benefit against the risk of recurrence / Spreading of Cancer (Metastasis) / Second Cancer (Second Malignancy) unrelated to previous Cancer.
- The risk of non-cancer related illnesses and accidents affecting the cancer survivors.
Who Can Buy?
Persons diagnosed with Cancer and whose primary treatment is on/done.
About Star Health Insurance Cancer Care Gold:
| Age at Entry | 05 Months to 65 years |
| Policy Type | Individual |
| Sum Insured Options | 3 Lac and 5 Lac – Sum Insured change not allowed |
| Policy Term | 1 year – Life Long Renewals Guaranteed |
Policy Benefits:
| Section – 1 | Lumpsum Benefit – When there is a recurrence / Metastasis and / or a Second Cancer For 3 Lac SI – Rs. 150000 & For 5 Lac SI – Rs. 250000 |
| Section – 2 | Indemnity Cover – Surgical and Interventional Theraphy – For non – Cancer Treatments For 3 Lac SI – Rs. 100000 & For 5 Lac SI – Rs. 150000 – Per Policy Year |
| Section – 3 | Indemnity Cover – Non-Surgical and Non-Interventional Theraphy for 3 Lac SI – Rs. 50000 & For 5 Lac SI – Rs. 100000 – Per Policy Year |
Features of Star Health Insurance Cancer Care Gold:
| Room Rent Limit | Single Standard A/C Room for both Section 2 and Section 3 Benefits |
| ICU | Actuals |
| Professional Fee | Surgeon, Anasthetist, Medical Practioner, Consultant, Specialists Fee – Actuals |
| Other Medical Expenses | Anasthesia, Blood, Oxygen, Operation Theatre Expenses, Medicines, Drugs, Diagnostic Expenses, etc – Actuals |
| Road Ambulance Charges | Rs. 1500 per hospitalisation & Rs. 2000 per Policy Period |
| Pre-Hospitalisation Expenses | Covered for 30 days prior to Hospitalisation – Actuals |
| Post-Hospitalaisation Expenses | Covered for 60 days from the Date of Discharge – Actuals |
| Day Care Procedures Coverage | ALL Day Care Procedures Covered |
| Policy Continuity – After Sec. 1 Benefit | Policy Will continue for Section 2&3 Benefits for remaining policy term |
Premium of Star Health Insurance Cancer Care Gold:
| Before (section I Benefit) | After (section I Benefit) | |||||
| Age/ Sum Insured | 3Lakh | 5Lakh | 3Lakh | 5Lakh | ||
| 3m-29yrs | 17400 | 27300 | 12250 | 18700 | ||
| 30-39yrs | 17800 | 27900 | 12650 | 19300 | ||
| 40-49yrs | 18900 | 29200 | 13750 | 20600 | ||
| 50-59yrs | 21000 | 32000 | 15850 | 23400 | ||
| more than 60yrs | 23200 | 35100 | 18050 | 26500 | ||
Permanent Exclusions in Star Health Insurance Cancer Care Gold Plan:
- Attempted suicide
- Use of alcohol or drug
- AIDS
- Congenital disease
- Dental
- Cosmetic
- Infertility and in vitro fertilization.
Documents for Star Health Insurance Cancer Care Gold Policy:
- Filled in a Proposal form
- Pass Port Size Colour Photo
- Old Medical Reports
- Age proof of each family member
- Address proof
- Bank Details of Proposer
Claims Procedure in Star Health Insurance Cancer Care Gold:
- Call the 24-hour help-line for assistance – 1800 425 2255 / 1800 102 4477
- In case of planned hospitalization, inform 24 hours prior to admission in the hospital.
- In case of emergency hospitalization information to be given within 24 hours after hospitalization.
- Cashless facility wherever possible in network hospital
- In non-network hospitals payment must be made up-front and then reimbursement will be affected on submission of documents.
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