Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially prepared for the tough battle against a deadly disease such as cancer. To help in such scenarios, Star Cancer Care Platinum Insurance Plan is a one-year policy individual health insurance plan meant for individuals between the ages of 5 months and 65 years who are eligible to purchase the health plan. There are multiple coverage features under the Star Cancer Care Platinum Policy:
The sum insured options available under the plan range between INR 5 to 10 Lakhs along with wellness and hospice care benefits. In case the insured individual purchases or renews the policy at the age of 61 years then they are subjected to a 10% co-pay.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
When purchasing the cancer insurance plan, it is essential that individuals fulfill the following eligibility criteria mentioned below:
Minimum: 18 Years
Maximum: 65 Years
Individual
5 L | 7.5 L | 10 L
1 Year
30 Days
The cancer care insurance plan is loaded with numerous benefits and advantages provided to the insured individual when investing in the plan:
Insured individuals can avail of the plan with the sum insured options of their choice mentioned in the table below:
Coverage for SI:5 L - 10 L
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered for Up to 30 Days
Post-Hospitalization
Covered for Up to 60 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable, 5% up to a max of 50% of SI
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Co-payment
Applicable
Sub-limits
Not Applicable
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized
Common Room categories covered under room rent are:
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, the room rent is covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, ICU charges are covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, pre-hospitalization is covered for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan covers medical expenses incurred during post-hospitalization for 60 Days up to 2% of SI.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan does not cover domiciliary hospitalizations.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan covers the expenses of all daycare procedures.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Star Cancer Care Platinum Insurance Plan?
OPD charges are not covered under the Star Cancer Care Platinum Insurance Plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan does not cover COVID-19.
A common eye condition in which your vision gets blurred.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan covers Cataract Treatment
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan offers a no-claim bonus of 5% of the sum insured for each claim-free year subject to a maximum of 50% of the sum insured.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan does not offer automatic restoration.
It is a cash amount that you receive each day during the time of hospitalization..
Coverage status under Star Cancer Care Platinum Insurance Plan?
The Daily hospital cash is not available under the Star Cancer Care Platinum Insurance Plan.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under Star Cancer Care Platinum Insurance Plan the organ donor expenses are not covered.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, Maternity Cover is not available.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, AYUSH treatment is not covered.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, IVF is not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, modern treatments are not covered.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, ambulance cover is available.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, the air ambulance is not covered.
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, global coverage is not covered.
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, E-consultation is covered under the wellness program.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Under the Star Cancer Care Platinum Insurance Plan, a health check-up is available for up to INR 2,500 for every claim-free year.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan covers the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Cancer Care Platinum Insurance Plan?
Star Cancer Care Platinum Insurance Plan does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Star Cancer Care Platinum Insurance Plan?
A 10% co-pay is available under the Star Cancer Care Platinum Insurance Plan if the insured person renews or purchases the policy at the age of 61 Years.
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under Star Cancer Care Platinum Insurance Plan?
Sub-limits are not applicable.
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.
Permanent diseases or health conditions that are not included under the Star Cancer Care Platinum Insurance Plan are mentioned below:
Obesity and weight management surgeries
Change of gender treatments
Cosmetic or Plastic surgeries
Treatment due to substance abuse
Sterility and Infertility related treatments
Certain diseases and treatments are covered under the plan after a certain time period. Read the details below:
Pre-existing Diseases 30 Months
Listed Ailments 24 Months
We have calculated the premium for the cancer care insurance plan provided by Star Health Insurance for you to look into the premium table for better decision-making:
Sum Insured (In Rs.) | 5 L | 7.5 L | 10 L |
Premium (In Rs.) | 16,190 | 20,370 | 23,605 |
Sum Insured (In Rs.) | 5 L | 7.5 L | 10 L |
Premium (In Rs.) | 4,169 | 5,245 | 6,078 |
Sum Insured (In Rs.) | 5 L | 7.5 L | 10 L |
Premium (In Rs.) | 8,257 | 10,389 | 12,039 |
Star Cancer Care Platinum Insurance plan offers a wide range of benefits and advantages to insured individuals under the plan. Financial support is of utmost importance when getting treated for cancer as it is a disease that drains a family financially and emotionally. With two sections of sum insured options, namely base cover and optional lump sum cover the plan is a versatile cancer care plan.
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
Protection Plan
This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.
Unique Features
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Individual Plan
A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Critical Plan
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
The eligibility criteria for Star Cancer Care Platinum Insurance Plan ranges between 18 years to 65 years.
The sum insured options available under the Star Cancer Care Platinum Insurance Plan are INR 5 L, 7.5 L, and 20 L.
There are various features available under the Star Cancer Care Platinum Insurance Plan such as:
No, the Star Cancer Care platinum insurance plan does not provide maternity and newborn baby cover.
No, co-pay is not mandatory. However, insured individuals who are at the age of 61 years and above will have to adhere to a 10% co-pay as per the policy schedule.
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April 8, 2024
I am impressed by Star Health reward features and want to be associated with the insurer for a long time
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Belgaum
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I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance
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My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy
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I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...
Shikha Bajaj
Gurgaon
April 8, 2024
I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience
Kanupriya
Rajkot
April 8, 2024
I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.
Neha Sukheja
Indore
April 8, 2024
I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.
Vaidehi Kanaujia
Indore
April 8, 2024
I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.
Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.
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