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.
5 months - 65 years
Rs. 3 Lakhs & Rs. 5 Lakhs
Scope of cover
Self, spouse, dependent children, dependent parents
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
SUM INSURED (3 Lakhs)
SUM INSURED (5 Lakhs)
Lump sum Benefit (on recurrence/metastasis)
30 months from the commencement date
Indemnity Cover (surgical or interventional therapy)
Indemnity Cover (non-surgical or non-interventional therapy)
**Last Updated on 14-01-2021
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.
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.
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:
For more information about the plan, feel free to reach out (1800-4200-269) to the experts of PolicyX.com.
If the insured suffers from cancer (type 1 or 2), he needs to use the following procedure to initiate and submit the claim:
For submitting a claim under this section, the insured needs to inform the company and submit the following documents:
The insured can opt for a cashless/reimbursement claim approach and the company will verify the claim request once all documents are submitted.
If the insured wants to submit a claim for these two sections, the following procedure needs to be followed:
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