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Star Cancer Care Gold Health Insurance

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Star Health Insurance
Cancer Care Gold
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 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

2658 Star Cashless Network Hospitals in India

Cancer Care Gold User Reviews

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What users are saying
  • All
  • I am a policyholder of Star Health Insurance’s Cancer Care Gold plan for the past few years.The plan is useful...

    Read More
    P
    By Pulama Bose
    On: Jan 19, 2021
  • Star Health insurance Cancer Care Gold Plan is a useful plan as this plan safeguards me from the risk of recur...

    Read More
    D
    By Disha Yadav
    On: Oct 20, 2020
  • I had full faith in star health as i had already purchased a health insurance from them. They have a good clai...

    Read More
    K
    By Kanate Surya Rohit
    On: Feb 19, 2020
  • ​Cancer care gold plan is a good pan that you can even buy if you already have a health insurance plan for you...

    Read More
    V
    By Vikram Kumar Jadiya
    On: Feb 19, 2020
  • Cancer care gold is a good policy that has been covering me since a few months now. I have not made any claim ...

    Read More
    S
    By Sachin Atmaram
    On: Feb 07, 2020

Star Cancer Care Gold Expert Review

  • Expert Review

    To be able to choose the right Cancer health insurance plan in India is as important as getting one. Cancer treatment is expensive and has the potential to dig a big hole in your pocket if you miss out on the right health insurance plan for the same. For which, Star Health brings to you a plan especially designed for cancer i.e. Cancer Care Gold. Cancer Care Gold is a pilot plan, which is launched on a test basis for a period of 5 years. But don’t worry! Because after the closure date, if the product is found viable, it will be continued as a regular product. And even if not, you will be offered a suitable alternative product by the insurer. Available for a tenure of one year, the plan will be renewable thereon.

    The policy covers a major section of the society by keeping the minimum entry age as low as 5 months and maximum entry age as 65 years. Anyone who has already been diagnosed with Stage 1 or Stage 2 can purchase the plan. You are advised to choose appropriately from the sum insured options of Rs. 3 Lakh and Rs. 5 Lakh as no further changes are entertained. The sum insured options are divided into 3 sections, one of which is covered as a lump sum (when there is recurrence/metastasis and/or second cancer) and the other two are covered as indemnity, based on types of treatments (surgical/interventional and non-surgical/non-interventional therapy). The plan allows you to cover self, spouse, dependent children, and dependent parents too. 

  • 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
  • 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
  • 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.

Star Cancer Care Gold Brochure

  • 181.69 KB
  • PDF Document
  • Apr 17, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Cancer Care Gold Health Insurance Plan

  • What is the meaning of a pilot product?

    A pilot product is the one that is launched on a trial basis for a duration of 5 years. If the performance of the product is found out to be satisfactory, then there are chances that it may be modified. Otherwise, it may be withdrawn. But even if the product is withdrawn, there is no need to worry as the insured individual will be offered another suitable product.

  • 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.

  • 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.

  • 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.

  • Does the policy cover daycare treatments?

    Yes, all daycare treatments are allowed under this policy.

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