Cancer Care Gold
Cancer Care Gold
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Cancer Care Gold Plan

Star Health Cancer Care Gold is an indemnity health cover that provides financial coverage to individuals diagnosed with cancer, or with a resurgence of the second case of cancer.

Eligibility

Age

5 months - 65 years

Policy Term

1 year

Sum Insured

Rs. 3 Lakhs & Rs. 5 Lakhs

Scope of cover

Self, spouse, dependent children, dependent parents

Waiting period

30 days waiting period

24 months waiting period for specified disease/procedure

48 months waiting period for treatment of pre-existing diseases (except cancer)

**Last Updated on 14-01-2021

Coverage

SECTION

COVER

SUM INSURED (3 Lakhs)

SUM INSURED (5 Lakhs)

WAITING PERIOD

Section 1

Lump sum Benefit (on recurrence/metastasis)

1,50,000

2,50,000

30 months from the commencement date

Section 2

Indemnity Cover (surgical or interventional therapy)

1,00,000

1,50,000

NA

Section 3

Indemnity Cover (non-surgical or non-interventional therapy)

50,000

1,00,000

NA

**Last Updated on 14-01-2021

Importance of Star Cancer Care Gold Policy

Its importance can be explained with the help of an example. Satish, aged 45, had a rough break in his professional life when he was treated for stage 1 cancer (5 years ago). Even the cancer was treated well, the chemotherapies, expenses, and lifestyle changes took a toll on him mentally, physically, and financially. Also, the risk of recurrence of cancer kept Satish worried. That's the time when he decided to purchase the Star Cancer Care Gold policy.

He decided to purchase a cover for 5 Lakhs, considering the financial drain he experienced during the first diagnosis and treatment of cancer. With his age of 45, the premium generated would be Rs.34,456 (approx). As an advantage, he doesn't need to go through any medical check-up but just needs to submit the documents of his earlier cancer treatment. Now, he can claim a lump sum of Rs.2,50,000 if cancer resurges, Rs.1,50,000 if he has to undergo surgical therapy, and Rs.1,00,000 if he undergoes non-surgical treatment.

Key Features of Star Cancer Care Gold Policy

  1. The indemnity cover in section 2 and 3 of the policy provides the coverage against the following:
    • Room, boarding, and nursing expenses.
    • Surgeon, Medical Practitioner, Anesthetist, Consultants & Specialist fees.
    • Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines, and Drugs, etc.
    • Emergency ambulance (Rs.1,500 per hospitalization), and Rs.2,000 per policy period.
    • All day-care treatments.
    • Pre-hospitalization medical expenses for 30 days (prior to hospitalization), and 60 days from the date of discharge
  2. There is no pre-requisite for a medical check-up. To avail of this policy, the individual needs to submit his medical reports of previous cancer (stage 1 or 2) diagnosis and treatment, along with the proposal form.
  3. The premium paid for the policy (other than cash) is eligible for tax deductions under Section 80D of the Income Tax Act, 1961.
  4. A free-look period of 15 days applies to the policy, whereby the insured can review the terms and conditions and can discontinue the policy. In such cases, the premium will be refunded after deducting the necessary changes.

How is a Star Cancer Care Policy Better Than Star Criticare Plus Policy?

It may seem that it is beneficial to purchase a Star Criticare Plus policy as it covers all major illnesses (including cancer). However, one thing to note is that the Criticare policy only covers the first diagnosis of cancer. However, a person with a history of cancer in his family will need a policy that will not only cover the first diagnosis, but also future recurrence of the disease. So while the Criticare policy will cover an individual from various diseases, the Star Cancer Care Gold policy will help a cancer patient get overall coverage for his cancer treatment, which will be financially fruitful for him.

How to Purchase the Star Cancer Care Gold Plan?

The best way to purchase a policy is to buy it online, which takes less time, and helps you with a host of information at your fingertips. If you want to buy the Star Cancer Care Gold plan, you need to follow the below steps:

  1. On the web page of Star Health, scroll down to the bottom of the page and select 'Health Insurance' under the 'Insurance' tab.
  2. On the new page, click on 'Show more products' half-way down the page. Now select 'Star Cancer Care Gold (Pilot Product)' from the list of health insurance products.
  3. You will be requested to fill in your name, mobile number, and email, and after filling in the details, click 'Next'.
  4. You will be given a choice to select the sum insured, and once you select it, the premium will be generated. Once you have decided the sum insured and the premium, click on 'Buy Now'. On the new page, add the requested personal details, and make the payment using the available payment modes, and the policy will be generated and mailed to you.

For more information about the plan, feel free to reach out (1800-4200-269) to the experts of PolicyX.com. 

Claims Procedure of Star Cancer Care Gold Plan

If the insured suffers from cancer (type 1 or 2), he needs to use the following procedure to initiate and submit the claim:

Section 1:

For submitting a claim under this section, the insured needs to inform the company and submit the following documents:

  1. Certificate from the treating doctor confirming the recurrence/metastasis/second malignancy of cancer.
  2. Clinical, radiological, histological, pathological, histopathological, and laboratory reports in support of the claim.

The insured can opt for a cashless/reimbursement claim approach and the company will verify the claim request once all documents are submitted. 

Section 2 and 3:

If the insured wants to submit a claim for these two sections, the following procedure needs to be followed:

  1. The insured needs to call the 24-hour helpline (1800 425 2255/1800 102 4477) to intimate the claim and should provide the ID/Policy number for easy reference.
  2. If the hospitalization is planned in advance, then the information should be provided 24 hours in advance.
  3. If the hospitalization is done in an emergency, the same information can be provided 24 hours after the admission.
  4. Star Health has a network of more than 9,900 hospitals, and cashless facilities can be availed in any of these hospitals.
  5. If the insured has to get admitted to a non-network hospital due to exigency, then the amount to the hospital needs to be done upfront, and the reimbursement will be done based on the documents submitted to the hospital.

Documents Required to File a Claim

Section 1:

  • Duly completed claim form.
  • Certificate from the treating doctor confirming the cancer diagnosis.
  • Clinical, radiological, histological, pathological, histopathological, and laboratory reports in support.
  • Supporting documents confirming the treatment.
  • Others requested by the company.

Section 2 and 3:

  • Duly completed claim form.
  • Pre Admission investigations and treatment papers.
  • Discharge Summary from the hospital in the original.
  • Cash receipts from the hospital, chemists.
  • Cash receipts and reports for tests done.
  • Receipts from Doctors, Surgeons & Anaesthetist.
  • Certificate from the attending doctor regarding the diagnosis.
  • Copy of PAN Card.
  • NEFT details.
  • Others requested by the company.

Frequently Asked Questions (FAQ's)

If the product is withdrawn, the insured person will be offered a similar alternate product to provide the same benefit.

No, once the sum insured is selected, it cannot be changed or revised, even during the renewal of the policy.

Yes, if the pilot product is regularised, then the policy can be renewed for a lifetime. Or else, the renewal will be made available under another suitable alternate policy. If your policy is expired, a grace period of 30 days is allowed for renewing it.

Yes, if the age at the time of entry into the policy is above 61 years, then 10% co-pay is mandatory for any claim submitted under Section 2 and 3 of the coverage.

Yes, you can migrate the policy to another product of Star Health by applying for migration at least 30 days before the renewal. Also, you can port the policy to any other company by applying at least 45 days before the renewal.

Last updated on 14-01-2021