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| Criteria | Specifications |
|---|---|
| Sum Insured | INR 3 Lakh & 5 Lakh |
| Age | Min: 5 Months Max: 65 Years |
| Coverage Type | Individual |
| Medical Condition Covered | Individuals diagnosed with Stage 1 or Stage 2 cancer |
| Policy Tenure | 1 Year |
| Medical CheckUp | Not Required |
| Initial Waiting Period | 30 Days |
| Specific Illness Waiting Period | 24 Months |
| Co-Payment | 10% for people above 60 years |
| Pre-existing Waiting Period | 48 Months |
| PLAN DETAILS |
Cancer Care Gold |
Optima Lite Health Insurance Plan |
| Product Type | Critical Illness Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | - |
| Plan Entry Age | - | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 27900 | - |
| Plan Waiting Period | - | 30 days |
| Plan Coverage | - | - |
| Plan Sample Premium | - | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | - | 1/2/3 Years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Not Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 99.06 | 95.30 |
| Solvency Ratio | 2.21 | 2.00 |
|
Star Health Insurance Plan Detailed Review |
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