Star Cancer Care Gold Insurance Plan

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      Star Cancer Care Gold Insurance Plan

      The Star Cancer Care Gold plan is a pilot product of Star Health & Allied Company that offers health insurance for existing cancer patients. It can be purchased by people diagnosed with Stage 1 & Stage 2 cancer even if they are cured. Besides, the policy pays a lump sum amount if the policyholder is diagnosed with cancer for the second time or suffers metastasis or recurrence.

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      Star Cancer Care Gold Insurance Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 3 lakh, Rs 5 lakh
      Policy Tenure 1 year
      Network Hospitals 12000+
      Incurred Claim Ratio (2020-21) 94.44%
      Pre-acceptance Medical Check-up Not required
      Pre-existing Diseases waiting Period 48 months
      Initial Waiting Period 30 days
      Specific Illness Waiting Period 24 months
      Co-payment 10% for people above 60 years

      Benefits of Buying a Star Cancer Care Gold Insurance Plan

      Take a look at some attractive benefits of buying a Star Cancer Care Gold plan:

      1. Coverage for Existing Cancer Patients

      The Star Cancer Care Gold plan is the first plan ever to provide health insurance to existing cancer patients in India. Thus, people diagnosed with cancer of Stage 1 or Stage 2 can buy this policy.

      2. Second Malignancy/Recurrence/Metastasis Covered

      This innovative policy provides coverage for a second malignancy, which is unrelated to first cancer. It also accepts claims arising out of recurrence or metastasis of cancer. However, the coverage is available after a waiting period of 30 months.

      3. No Pre-Acceptance Medical Tests Required

      Star Health Insurance for cancer does not require applicants to undergo a pre-medical screening before buying irrespective of their age. All they need to do is submit their previous medical records to purchase this policy.

      4. Cashless Hospitalization

      Policyholders can avail cashless hospitalization benefits across India at more than 12000 network hospitals.

      5. Tax Benefits

      As per Section 80D of the IT Act, premiums paid for Star Cancer Care Gold plans will be eligible for tax deductions.

      Inclusions of Star Cancer Care Gold Insurance Plan

      The Star Cancer Care Gold plan includes the following coverage:

      • Cancer Cover – The policy provides a lump sum cover in case of metastasis, second malignancy, and recurrence of cancer only.
      • Hospitalization Expenses - The policy offers hospital room rent cover and also compensates for nursing expenses, ICU charges, medicine costs, etc.
      • Emergency Ambulance Charges – The cost of a road ambulance service is covered up to Rs 1,500 for each hospitalization and up to a maximum of Rs 2000.
      • Pre-hospitalization Expenses – Any expenses incurred for up to 30 days before the hospitalization can also be claimed.
      • Post-hospitalization Expenses – Any expenses incurred for up to 60 days after getting discharged from the hospital are also covered.
      • Day Care Treatments – The cost of all day care procedures are also covered.
      • Modern Treatments – The policy provides coverage for 12 modern treatments, including oral chemotherapy, robotic surgeries, etc.

      Exclusions of Star Cancer Care Gold Insurance Plan

      The following expenses are excluded under the Star Cancer Care Gold plan:

      • Treatment for first cancer and related ailments
      • Non-allopathic treatments
      • Unproven treatments
      • Cost of dietary supplements and substances
      • Maternity expenses
      • Cosmetic or plastic surgery
      • Intentional self-injury
      • Dental treatment or surgery

      Eligibility Criteria of Star Cancer Care Gold Insurance Plan

      Check out the eligibility criteria to buy a Star Cancer Care Gold plan:

      Parameters Eligibility Criteria
      Medical Condition People diagnosed with Stage 1 or Stage 2 cancer
      Minimum Entry Age 5 months
      Maximum Entry Age 65 years
      Coverage Type Individual


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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