Star Cancer Care Gold Health Insurance
Cashless Approval TAT | 90% Cashless claim settlement within 2 hrs |
Claim Settlement Ratio | 89.90% |
Network Hospitals | 14,000+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | No Extra Premium for Disease Coverage |
Starting Premium for Rs. 5 lakhs SI | Rs. 410/month |
About Star Cancer Care Gold Health Insurance
Cancer Care Gold (pilot product) from Star Health is the first ever product of medical insurance for people diagnosed with cancer. The policy is designed to cover the risk for recurrence or spreading of cancer (metastasis) or second cancer (second malignancy) that is not related to the first cancer. It was launched on a test basis for a duration of 5 years and gained vast popularity. Under this plan, the cover is offered for self, spouse, dependent children and dependent parents.
The policy offers its policyholders many benefits. It provides a lump sum amount on the basis of sum assured in case of recurrence, second cancer unrelated to first cancer or metastasis. The policyholders also get the benefit of indemnity cover for surgical and interventional therapy as well as non-surgical and non-interventional therapy depending on the sum insured opted for.
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Key Inclusions and Exclusions of the Plan
What's Included
- Room rent for single standard AC room, boarding, nursing charges in the indemnity cover
- Fees of surgeon, medical practitioner, anesthetist, consultants are included
- Anesthesia, blood, oxygen, operation theatre charges, cost of pacemaker, etc. are included
- All daycare treatments are included
- Post-hospitalisation medical expenses for a maximum of 60 days after discharge
- Pre-hospitalisation medical expenses (maximum of 30 days before hospitalisation)
What's Not Included
- Coverage for substance abuse, self-inflicted injuries, STDs and HIV/AIDS is excluded from the policy
- Any kind of surcharge, service charge, registration fees levied by the hospital or admission fees is excluded
- Pregnancy, infertility are excluded from the coverage benefits
- Treatment outside India remains excluded from the policy
- Any hospital admission primarily for the purpose of investigation
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Major Attractions
The policy provides the required coverage features aiming to improve the lives of cancer-affected people. As stated above, under Section 1, lump sum amount is paid when there is recurrence/metastasis and/or second cancer. Under Section 2 and 3 (indemnity cover) following coverage features are included:
- Single standard A/c room expenses
- Cover for all the daycare procedures
- Surgeon, anesthetist, medical practitioner, and consultant’s fee
- Blood, oxygen, anaesthesia, surgical appliances, drugs and medicines
- Nursing and boarding expenses as presented by the hospital or the nursing home
- Pre-hospitalisation expenses for up to 30 days before the date of hospitalisation
- Post-hospitalisation expenses for up to 60 days after the date of discharge from the hospital
- Emergency ambulance charges up to Rs. 1,500 per hospitalization and up to Rs. 2,000 per policy period
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What’s More?
The plan has added benefits too apart from the basic coverage features. These come along with the plan at no extra cost.
- Hassle-free direct claim settlement
- Tax benefits under Section 80D of the Income Tax Act
- Cashless facility in all the network hospitals for Section 2 and 3
- The policy will be renewable till the closure date of this pilot product
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Conclusion
Looking at the coverage features and other advantages of Star Health Cancer Care Gold Plan, it seems sure to bring some relief to the cancer patients.
To cover yourself under this plan, prefer the online platform. For this, choose the best one from leading health insurance brokers after comparing their services, and get in touch with them at the earliest. You can also buy one from the insurer’s website, but that might not always enlighten you with similar plans by the competitors. Also remember, while choosing a plan, compare it with others based on several factors such as sum insured, coverage features, waiting period, and so on to get the best deal.
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FAQs on Cancer Care Gold Health Insurance Plan
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Am I eligible to purchase the Cancer Care Gold Insurance Policy?
Any person aged between 5 months to 65 years and is diagnosed with Cancer (Stage 1 or Stage 2) is eligible to purchase this policy. Children can be covered only along with parents.
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Is pre-acceptance medical check-up screening mandatory to buy the Cancer Care Gold Insurance Policy?
Pre-medical acceptance screening is not mandatory to buy the Cancer Care Gold Insurance Policy.
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What are the sum insured options in the policy?
The policy can be bought for Sum Insured options of Rs. 3 Lakh and Rs. 5 Lakh. You must choose the appropriate Sum Insured, as once opted you might not be able to change.
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Does the policy cover daycare treatments?
Yes, all daycare treatments are allowed under this policy.