Star Cancer Care Platinum Insurance Policy

Star Cancer Care Platinum Insurance Policy is a comprehensive health insurance plan provided by Star Health Insurance. This policy specifically caters to individuals who are suffering from cancer and provides coverage for various cancer-related treatments, hospitalisation, diagnostics, and supportive care services. If you are interested in purchasing this policy, you can buy Star Cancer Care Platinum Insurance Policy online through the Star Health Insurance website or get in touch with their customer support for further assistance. Here is more about it.

The highlights of the Star Cancer Care Platinum Insurance Policy are mentioned below.

Categories and Specifications

Pre-policy Medical Check-up

Waiting Period

Co-payment

A 10% co-payment is applicable for individuals above 60 years.

With Star Cancer Care Platinum Insurance Policy, you can have peace of mind knowing that you are protected against the financial burden of cancer treatment. The policy offers multiple sum insured options, allowing you to choose the coverage that suits your needs.

You have access to a wide network of hospitals, ensuring quality healthcare services. The high incurred claim ratio of 94.44% in the previous year demonstrates the reliability of the policy. Additionally, the policy does not require a pre-policy medical check-up, making it easier and faster to get insured.

However, there are waiting periods for pre-existing diseases (30 months) and specific illnesses (24 months). Finally, a 10% co-payment is applicable for individuals above 60 years, which should be considered while opting for this policy.

Star Cancer Care Platinum Insurance Policy is a comprehensive health insurance plan specifically designed to provide coverage for the treatment of cancer. This policy offers financial protection and support to individuals diagnosed with cancer by covering various medical expenses related to the diagnosis, treatment, and post-treatment care of cancer.

It includes coverage for hospitalisation expenses, chemotherapy, radiation therapy, surgical procedures, organ transplantation, and other related treatments. Additionally, the policy also offers benefits such as pre-and post-hospitalisation expenses, daycare treatments, domiciliary hospitalisation, and second-opinion consultations.

Star Health Insurance</a> is a leading insurance provider in India that offers a wide range of health insurance products to cater to the different healthcare needs of individuals and families. Some of the popular products offered by Star Health Insurance include:</b>

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One of the latest offerings from Star Health Insurance is the Star Cancer Care Platinum Insurance Policy, which is designed to provide comprehensive financial protection and support to individuals diagnosed with cancer. The policy covers various medical expenses related to the diagnosis, treatment, and post-treatment care of cancer, including hospitalisation expenses, chemotherapy, radiation therapy, surgical procedures, organ transplantation, and more. Customers can easily buy Star Cancer Care Platinum Insurance Policy online through the company's official website or by contacting a Star Health Insurance representative.

Having the right insurance policy can provide the necessary financial support in the event of a cancer diagnosis. Here are the key features of this policy:

• Sum Insured Options: The policy offers three different sum insured options of Rs 5 lakh, Rs 7.5 lakh, and Rs 10 lakh. You can choose the one that best suits your needs and budget.
• Policy Tenure: The policy tenure is limited to 1 year, providing you with the flexibility to renew or discontinue the policy as per your requirement.
• Network Hospitals: With a network of over 12,000 hospitals across India, the policy provides widespread coverage, ensuring access to quality medical facilities in times of need.
• Incurred Claim Ratio: The incurred claim ratio for the Star Cancer Care Platinum Insurance Policy for the year 2020-2021 is an impressive 94.44%, indicating a high claim settlement rate and customer satisfaction.
• Pre-Policy Medical Check-Up: A pre-policy medical check-up is not required to apply for this policy, saving you time, money, and effort.
• Waiting Periods: The policy has a 30-month waiting period for pre-existing diseases, a 30-day initial waiting period, and a 24-month waiting period for specific illnesses.
• Co-payment: The policy also has a co-payment clause of 10% for people above 60 years of age.

The Star Cancer Care Platinum Insurance Policy offers a range of unique benefits to policyholders, ensuring comprehensive coverage and support during challenging times. Here are some of the key benefits of this policy:

• Coverage for All Stages of Cancer: One of the standout features of this policy is that it provides coverage for all stages of cancer. This means that policyholders can avail of financial assistance at any stage of their cancer journey.
• Coverage for Recurrence/Metastasis/Second Cancer: The policy also covers unrelated second cancer, as well as recurrence and metastasis of cancer. This extended coverage is optional and can be obtained by paying an additional premium.
• Hospice Care: Advanced-stage cancer patients require specialised care, and the Star Cancer Care Platinum Insurance Policy understands this. It offers the Hospice Care benefit, ensuring that critical cancer patients receive the necessary support and comfort in their final days.
• Wellness Services: To promote a healthy lifestyle, the policy includes various wellness services such as a diet and nutrition program, a weight management program, and teleconsultation with specialists. These services aim to enhance the overall well-being of the policyholders.
• Cumulative Bonus: Policyholders can enjoy a cumulative bonus of 5% for every claim-free year, up to a maximum of 50%. This bonus can be utilised to increase the sum insured amount without having to pay a higher premium.
• Cashless Hospitalisation: With a network of over 12,000 network hospitals across India, the policy provides cashless hospitalisation facilities to ensure a smooth and hassle-free healthcare experience for the insured.
• No Pre-Medical Tests Required: Applicants interested in purchasing the Star Cancer Care Platinum Insurance plan do not have to undergo any pre-medical screening. However, they are required to provide their previous medical records during the application process.
• Tax Benefits: Policyholders can avail of tax deductions under Section 80D of the Income Tax Act for the premium paid towards the Star Cancer Care Platinum Insurance Policy, providing additional financial benefits.

Star Cancer Care Platinum Insurance policy provides comprehensive coverage for a range of medical expenses. The policy includes the following coverage categories:

• In-patient Hospitalisation Expenses: This coverage encompasses the cost of hospitalisation for a minimum duration of 24 hours. It includes charges for a single standard AC room, ICU charges, doctor's fees, and other related expenses.
• Pre-hospitalisation Expenses: Expenses incurred within 30 days prior to hospital admission are covered under this category, ensuring financial support for diagnostic tests, consultations, and other pre-hospitalisation costs.
• Post-hospitalisation Expenses: The policy covers medical expenses incurred up to 60 days after discharge from the hospital, facilitating a smooth post-treatment recovery.
• Ambulance Charges: The policy covers emergency road ambulance charges incurred for transporting the insured to the hospital in case of medical emergencies.
• Cataract Treatment: The policy provides coverage for cataract treatment, with a maximum limit of up to Rs 40,000 per eye, based on the sum insured.
• Medical Second Opinion: The policy allows policyholders to seek a second medical opinion from doctors listed with Star Health & Allied Insurance Company, ensuring informed decision-making regarding treatments.
• Health Check-up: It covers the cost of annual health check-ups, up to a maximum amount of Rs 2500, for each claim-free year, enabling proactive prevention and early detection of health concerns.
• Day Care Procedures: This coverage extends to the cost of technologically advanced day care procedures that do not necessitate hospitalisation for a period exceeding 24 hours.
• Modern Treatments: The policy encompasses the medical expense of the 12 latest treatments, like oral chemotherapy, robotic surgeries stem cell therapy, and other advanced treatment modalities.
• Hospice Care: This coverage pays for specialised care provided to cancer patients at an advanced stage, ensuring comfort and dignity in challenging times. The coverage is available once during the lifetime of the policy.
• Rehabilitation and Pain Management: Coverage is provided for medical expenses related to rehabilitation and pain management, supporting comprehensive recovery and quality of life improvement.

In addition to the above coverage, the Star Cancer Care Platinum Insurance plan also offers an optional Lump Sum Cover for Cancer. This coverage includes the treatment cost for metastasis or recurrence of cancer, as well as the treatment cost for a second malignancy unrelated to the first cancer.

Star Cancer Care Platinum Insurance policy has a few exclusions, and the following expenses are not covered under the policy:

• Non-allopathic treatments: Any treatment or therapies that are not a part of the conventional allopathic treatment system, such as Ayurveda, Homeopathy, or Naturopathy, are not covered.
• Cosmetic or plastic surgery: Any cosmetic or plastic surgical procedures performed in connection with the cancer treatment, such as breast reconstruction and aesthetic surgery, are not covered.
• Unproven treatments: Any experimental treatments or therapies that are unproven or have not been recognised by the medical community, including alternative treatments, are not covered.
• Maternity Expenses: Costs related to pregnancy, childbirth, or maternity care are not covered under this insurance policy. Dietary supplements and substances: The cost of dietary supplements and substances used to treat cancer is not covered under the policy.
• Sterility & infertility: Treatment expenses related to infertility, including assisted reproductive techniques and surrogacy, are not covered under the policy.
• Intentional self-injury: Any medical expenses incurred as a result of intentional self-injury, such as suicide or self-harm, are not covered under the policy.

It is essential to read the policy's terms and conditions carefully to understand the scope and limitations of coverage.

Star Cancer Care Platinum Insurance plan offers comprehensive coverage for individuals and families facing the challenges of cancer treatment and care. There are several benefits to buying this policy.

• The Star Cancer Care Platinum Insurance Plan provides financial assistance for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation costs, day care procedures, health check-ups, rehabilitation and pain management, and modern treatments.
• Additionally, the policy offers coverage for cataract treatment and a medical second opinion, ensuring informed decision-making regarding treatments.
• One of the key advantages of the Star Cancer Care Platinum Insurance Policy is its Lump sum cover for cancer, which covers the treatment costs for metastasis and recurrence of cancer and a second malignancy unrelated to the first cancer.
• The process to buy Star Cancer Care Platinum Insurance Policy online is convenient and hassle-free. The policy is underwritten by Star Health Insurance, one of India's leading health insurance providers, and ensures financial security for policyholders during times of medical emergencies.
• Star Cancer Care Insurance offers several benefits, including cashless hospitalisation, lifetime renewal, no medical checkup for policyholders below 50 years of age, and easy claim settlement.

Overall, the Star Cancer Care Insurance Policy is a prudent investment for anyone facing the challenges of cancer care. It offers comprehensive coverage, hassle-free processing, and financial security during times of medical emergencies.

The Star Cancer Care Platinum Insurance Policy is designed specifically to address the needs of cancer patients. Here are some compelling reasons to choose this policy.

• Comprehensive Coverage: The Star Cancer Care Platinum Insurance Policy offers extensive coverage for various stages of cancer treatment, including pre-hospitalisation and post-hospitalisation expenses, daycare procedures, rehabilitation costs, and more. This comprehensive coverage ensures that you are financially protected throughout your cancer journey.
• Tailored Cancer Care: With the Star Cancer Care Platinum Insurance Policy, you can access specialised cancer care that is tailored to your specific needs. This includes coverage for advanced treatments, such as targeted therapy, immunotherapy, and precision medicine, ensuring that you have access to the latest advancements in cancer treatment.
• Cashless Hospitalisation: One of the key advantages of the Star Cancer Care Platinum Insurance Policy is the cashless hospitalisation facility. This means that you can avail of treatment at network hospitals without the need for immediate payment. The insurance provider settles the bills directly with the hospital, easing the financial burden during a challenging time.
• Second Opinion and Expert Consultation: When it comes to a critical illness like cancer, seeking a second opinion can be invaluable. The Star Cancer Care Platinum Insurance Policy offers coverage for seeking second opinions from renowned medical experts. This ensures that you have access to the best possible medical advice, helping you make informed decisions about your treatment.
• Lifetime Renewability: The Star Cancer Care Insurance Policy comes with a lifetime renewability feature. This means that once you purchase the policy, you can continue to renew it for your entire lifetime, ensuring continuous coverage and peace of mind.

To claim your Star Cancer Care Platinum Insurance Policy, follow these steps:

• Contact the Insurance Desk: Call the insurance company at 1800 425 2255 or 1800 102 4477. Alternatively, email them at support@starhealth.in. Provide all relevant information regarding your hospital admission.
• Verify Your Policyholder Status: Show your Star Health ID card to the hospital receptionist. This will confirm that you are an authorised policyholder.
• Submit Supporting Documentation to the Hospital: Provide the hospital with a complete set of supporting documents. These documents will help verify your identity. Ensure that a properly completed advance authorisation form is sent to Star Health.
• Review by Medical Professionals: The insurance company's doctors will review all supporting documentation. This review is conducted based on the policy's terms and conditions.
• Discharge and Payment Process: Upon your discharge, the hospital will send the claim documentation to the insurance company. Once the insurance company receives the claim documentation, they will pay the agreed-upon sum to the hospital. In certain cases, a field doctor may visit the patient in the hospital for additional evaluation.

• Settle Hospital Bills: After being discharged, make sure to fully pay all hospital bills. Keep the original receipts and documentation for all the expenses incurred.
• Complete Claim Forms: Fill out all the required claim forms accurately. Include all necessary supporting documents, such as medical receipts and reports.
• Submit to Star Office: Submit the completed claim forms and original documentation to the nearest Star Office. Make sure to provide all the necessary information for smooth processing.
• Claim Processing: The insurance company will handle the reimbursement process according to the terms and conditions of your policy. They will review the submitted documents and evaluate the claim.

Remember to stay in contact with the insurance company throughout the claim process and provide any additional requested information or documentation.