Star Cancer Care Platinum Overview
The Star Cancer Care Platinum Insurance Policy provides financial protection for individuals diagnosed with cancer. This policy helps insured persons manage medical expenses related to cancer and non-cancer treatments, offering peace of mind during their fight against the disease.
Policy Highlights
- Policy Term: 1 yearType: Individual coverage
- Eligibility: Persons diagnosed with cancer, aged between 5 months and 65 years. Proposer must be 18 years or older.
- Sum Insured Options: Rs. 5,00,000, Rs. 7,50,000, Rs. 10,00,000 (Section I); Section II offers lump-sum cancer cover at 50% of Section I sum insured.
- No Pre-medical Tests Required: Based on prior medical records and treatment details.
- Flexible Premium Payment: Annual, half-yearly, or quarterly installments available with respective loading charges.
Key Benefits
Section I – Indemnity Cover
- Hospitalization expenses including room rent (Single Standard AC), nursing, surgeon, anesthetist, consultant fees.
- Operation theatre, ICU charges, medicines, and diagnostic tests.
- Emergency road ambulance expenses.
- Pre-hospitalization (up to 30 days) and post-hospitalization (up to 60 days) medical expenses.
- Coverage for day care procedures and AYUSH treatments.
- Cataract treatment coverage with sub-limits depending on sum insured.
- Medical second opinion service through Star’s network of doctors.
- Wellness services including diet and nutrition programs, weight management, and specialist consultations via Star Tele-health app.
- Rehabilitation and pain management up to 10% of the basic sum insured.
- Hospice care up to 20% of the basic sum insured in the lifetime of the insured.
- Health check-up allowance of Rs. 2,500 for every claim-free year.
Section II – Optional Lump Sum Cancer Cover
- Provides a lump sum payment on diagnosis of recurrence, metastasis, or second malignancy unrelated to the first cancer.
- Applicable after a waiting period of 30 months from the policy start date.
- This cover is in addition to Section I indemnity coverage.
Waiting Periods
- Initial waiting period: 30 days (except for accidents).
- Specific disease waiting period: 24 months.
- Pre-existing diseases including cancer: 30 months.
- Hospice care: 12 months.
Exclusions
- Pre-existing diseases within the waiting period.
- Listed diseases and procedures during their waiting exception periods.
- Cosmetic surgery unless medically necessary due to accident or cancer.
- Investigations and diagnostics not related to current treatment.
- Treatments for obesity unless criteria are met.
- Change of gender treatments.
- Rehabilitation not covered under the policy conditions.
- Others detailed in the policy terms (e.g., alcoholism, hazardous sports injuries, fertility treatments).
Premium Chart (Base Cover – Section I)
The Star Cancer Care Platinum Insurance Policy provides financial protection for individuals diagnosed with cancer. This policy helps insured persons manage medical expenses related to cancer and non-cancer treatments, offering peace of mind during their fight against the disease.
| Age Group | Rs. 5,00,000 | Rs. 7,50,000 | Rs. 10,00,000 |
|---|---|---|---|
| 5 months – 29 years | 14,285 | 17,995 | 20,870 |
| 30 – 39 years | 16,190 | 20,370 | 23,605 |
| 40 – 49 years | 18,050 | 22,750 | 26,340 |
| 50 – 59 years | 19,875 | 25,130 | 29,075 |
| 60 – 69 years | 24,430 | 30,845 | 35,830 |
| Above 69 | 28,990 | 36,540 | 42,385 |
Optional Lump Sum Cancer Cover Premium Chart (Section II)
| Age Group | Rs. 2,50,000 | Rs. 3,75,000 | Rs. 5,00,000 |
|---|---|---|---|
| 5 months – 29 years | 10,135 | 15,200 | 20,265 |
| 30 – 39 years | 10,135 | 15,200 | 20,265 |
| 40 – 49 years | 10,135 | 15,200 | 20,265 |
| 50 – 59 years | 10,135 | 15,200 | 20,265 |
| 60 – 69 years | 10,135 | 15,200 | 20,265 |
| Above 69 | 10,135 | 15,200 | 20,265 |
Additional Features
- Portability and migration benefits for continuous coverage.
- Reward for claim-free years with cumulative bonus up to 50% of the basic sum insured.
- Tax benefits under Section 80D of the Income Tax Act 1961.
Claims and Assistance
- 24×7 helpline and toll-free numbers for claim assistance.
- Cashless services in network hospitals; reimbursement process for non-network hospitals.
- Easy claims process with submission of medical records and certificates.
Important Notes
- Sum insured once opted cannot be enhanced later.
- The policy can be renewed with continuous coverage benefits.
- Terms, conditions, exclusions, and waiting periods apply as per policy documents.