Star Cancer Care Gold Plan: Features, Benefits & Premiums | PolicyX
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Star Health Cancer Care Gold

The burden of medical expenses for cancer treatment can be overwhelmin ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
99.06% claim settlement

About Star Health Cancer Care Gold

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

The burden of medical expenses for cancer treatment can be overwhelming, leaving individuals and their families under financial strain. Star Cancer Care Gold was launched on October 24, 2017, as a pilot health insurance project and has since offered groundbreaking service to customers. The plan provides comprehensive protection against cancer and goes beyond conventional health insurance by extending coverage to existing cancer patients, including Stage 1 and Stage 2. It also offers financial protection in case of cancer recurrence, metastasis, or development of a second malignancy. The plan has many more features and benefits, which are discussed in the later sections.

Eligibility Table of Star Cancer Care Gold

The individual has to fulfill the following eligibility criteria to buy the plan:
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 at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Plan type
Critical Illness Health Insurance

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Covers existing cancer patients
  • Cashless hospitalization
  • No pre-policy check-up

Cons

  • Non Allopathic Treatments
  • Cosmetic or Plastic Surgery
  • Intentional Self Injury

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Star Health Insurance Plan Detailed Review

Star Health Insurance Plan Detailed Review

This video explains the details of Star health insurance plans in Hindi. Will know about the details of all star health insurance plans.

Key Features of Star Cancer Care Gold Insurance Plan

The plan has many features that make it special and they are mentioned below:

  • Coverage for Existing Cancer Patients

    The plan offers coverage to individuals already diagnosed with cancer, even those with Stage 1 or Stage 2.

  • Secondary Malignancy/ Recurrence / Metastasis Covered

    The plan extends its coverage to cases of second malignancy unrelated to the initial cancer diagnosis. It also includes claims raised due to cancer recurrence or metastasis, with a waiting period of 30 days.

  • No Pre-Acceptance Medical Test Required

    Customers are not required to undergo any pre-medical screening, regardless of their age. They only need to submit their previous medical records to purchase the policy.

  • No Third Party Administrator

    The company offers a 'Direct In-House Settlement' benefit, which eliminates the involvement of any third-party administrator. This helps in reducing the overall premium of the policy.

  • Cashless Hospitalization

    Policyholders can get the benefit of cashless treatment from any of the network hospitals of the company. Star takes pride in saying they have an extensive network of more than 12,000 hospitals across India.

  • Tax Benefit

    If a person buys this policy, they are eligible for tax exemption under Section 80D of the Indian Tax Law.

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Cancer Cover The plan provides a lump sum cover in the event of cancer metastasis, recurrence, or the development of a second malignancy, providing financial support during challenging times. Coverage Distribution Table Section Sum Insured (Rs) Sum Insured (Rs) Section 1 - Lump Sum Benefit (When there is recurrence /metastasis and/or second cancer) 1,50,000 2,50,000 Section 2 - Indemnity Cover (Surgical and Interventional therapy) 1,00,000 1,50,000 Section 3 - Indemnity Cover (Non-Surgical and Non-Interventional Therapy) 50,000 1,00,000 Total Rs 3,00,000 Rs 5,00,000
  • Co-Payment The plan includes a co-payment of 10% for individuals above the age of 60.
  • Specific Illness Covered The plan covers specific illnesses such as heart disease or urinary tract infections, with a waiting period of 24 months.
  • Coverage List The policy provides coverage for: Hospitalization Expenses
  • Emergency Ambulance Charges
  • Pre-Hospitalization
  • Post-Hospitalization
  • Day Care Treatment
  • Modern Treatment

Exclusions

  • Non-Allopathic Treatments
  • Cosmetic or Plastic Surgery
  • Intentional Self-Injury
  • Maternity Expenses
  • Dental Treatment or Surgery
  • Cost of dietary supplement
  • Breach Of Law
  • Hazardous or Adventure Sports
  • Sterility Cover
  • Unproven Treatment

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 5 months to 65 Years
  • SI: 3: 5 L
  • Policy Tenure: 1 Year

Other features & benefits

Conclusion

The Star Cancer Care Gold Plan is a comprehensive insurance cover that prioritizes the well-being of cancer patients. It has unique benefits such as coverage for existing cancer patients, protection against second malignancies, no pre-acceptance medical test, cashless hospitalization, and tax benefits. This plan also has many key features which ensure that the person can focus on their recovery without added stress.

Frequently Asked Questions

The 2 most-asked questions about Star Health Cancer Care Gold, answered.

The waiting period for specific illnesses is 24 months.
No, non-allopathic treatments are excluded from the coverage of the Star Cancer Care Gold Insurance Plan.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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