Star Health Insurance, one of the leading general insurance providers of India, has launched the country’s first health plan for people who have been already diagnosed with cancer. This is a breakthrough product and offers financial aid to patients who are already suffering from stage one and stage two cancers. The plan is loaded with features and is proving to be a game changer in the Indian insurance industry.
Star Cancer Care Gold – at a glance
The Star Cancer Care Gold health plan was launched recently. The plan has been designed for patients who are already affected by the illness. It aims to help them treat the illness and prevent it from spreading to the next stages. It also covers the policyholder against the regular, non-cancer related health problems.
Star Cancer Care Gold – Eligibility
The below criteria should be met in order to buy a Star Cancer Care Gold policy:
- The age of the proposer should be 18 years and above
- Patients who already have been diagnosed with Stage 1 and Stage 2 Cancer can avail this policy
- The minimum entry age limit is 5 months to 65 years.
Star Cancer Care Gold – what it covers
Cancer is a very serious ailment that unfortunately strikes many people nowadays. Most health insurance plans that are available in India are not available to patients already diagnosed with cancer. This makes healthcare very difficult for them. Even if they meet with an accident and have a few fractures, they don’t have an insurance backup to take care of the expenses. Keeping these shortcomings in mind, Star Health has launched the Star Cancer Care Gold. The features of the plan are:
Sections and coverages
The plan is available in three sections. The coverages under this section include:
Section | Sum Insured | Sum Insured |
|
|
|
I (Lump sum benefit offered if there is a relapse or an advancement of the cancer) | Rs.1.5 lakh | Rs.2.5 lakh |
II (Indemnity assurance, if there is any surgical or interventional therapy required) | Rs.1 lakh | Rs.1.5 lakh |
III (Indemnity assurance, for any non-surgical or non-interventional therapy) | Rs.50,000 | Rs.1 lakh |
TOTAL | Rs.3 lakh | Rs.5 lakh |
Coverage under sections II and III:
- Room rent
- Nursing charges
- Anaesthesia, blood, oxygen, operation theatre charges, surgeon charges
- Pharmacy bills
- Ambulance charges up to Rs.1500 to take the person to the hospital and Rs.2,000 per policy term
- Pre hospitalization expenses 30 days prior to hospitalization and 60 days post hospitalisation expenses
Salient features of the Star Cancer Care Gold plan:
- 50% lump sum payment: If the policyholder is diagnosed with a secondary cancer, a progress to a higher stage or a relapse, 50% of the sum assured in paid in lump sum.
- High monetary benefit: The policyholder can opt for a cover from Rs.3 lakh to Rs.5 lakh under this plan. Comprehensive cover: Apart from the expenses incurred in the treatment of the caner, the policyholder also gets protection against the regular health issues. So if there is a need for hospitalisation due to jaundice or typhoid, a claim can be made under this plan. The same goes for accidents and other diagnostic problems.
- Expenses covered: The following expenses will be covered during a hospital stay:
- Direct claim settlement: To make the process smoother, Star Health settles the claim directly, without the involvement of a Third Party Administrator (TPA).
- Tax benefits: Like other insurance plans, here too the policyholder is eligible for an income tax rebate of up to Rs.1.5 lakh under Section 80C.
In conclusion
The Star Cancer Care Gold plan is indeed a wonderful plan that makes healthcare more affordable and accessible for cancer patients. It is important to nip the problem at the bud. And since there are some very effective treatment options available for early stage cancers these days, the Star Cancer Care Gold offers a lot of hope for people who have been diagnosed already. The plan also brings healthcare to those who otherwise cannot be eligible for a regular health insurance policy. The Star Cancer Care Gold policy is a wonderful product and indeed a commendable initiative from Star Health.