No pre-medical examination is required to avail these policies. However, the insured should submit the past medical records of the treatment undertaken at the time of purchasing the policy. The policies are renewable, and premiums can be paid quarterly, half-yearly and annually, as per the insurer’s statement.
Cancer Care Platinum: Health insurance for individuals diagnosed with and surviving cancer. Persons aged 5 months to 65 years. Covers with sum insured up to ₹10 lakhs.
Covers expenses due to hospitalization for cancer and non-cancer related diseases with applicable waiting period. (Zero waiting period for accidents, 30 days for non-cancer treatment, 12 months for hospice care, 30 months for cancer and treatment for pre-existing diseases)
Lump sum cover for cancer covers 50% of the Sum Assured as an optional benefit if the insured suffers from recurrence, metastasis, and/or a second malignancy unrelated to the first cancer after a waiting period of 30 months.
Cardiac Care-Platinum: Health insurance for persons suffering from heart diseases. Cardiac Care – Platinum covers individuals in the age group of 7 years to 70 years with a sum insured of up to Rs 15 lakh.
Covers expenses incurred on account of hospitalization for cardiac and non-cardiac conditions after 30 days from the date of inception of the policy. (Zero waiting period for accidents, 24 months for designated diet and heart transplant and 48 months for other pre-existing diseases).
Key Features of Star Cancer Care Platinum Insurance Policy:
– Sum Assured is available up to ₹10,00,000, the customer can opt for the Sum Assured ₹5,00,000, ₹7,50,000 or ₹10,00,000.
Covers pre- and post-hospitalization expenses like in-patient hospitalization, day care treatment, road ambulance, hospitalization.
– The Company will pay a lump sum amount if the Life Assured suffers from recurrence, metastasis, and/or second malignancy unrelated to the first cancer. This benefit is in addition to the indemnity sum assured.
A waiting period of 30 months is applicable for cancer related treatment and lump sum benefit cover.
“Hospice care in oncology is care that focuses on the quality of life of patients (as well as their caregivers) experiencing advanced, life-limiting cancers on an indemnity basis with a sum insured payable at in-network providers. 20% is payable. Once in a lifetime. Available after a waiting period of 12 months from the inception of the policy,” the company said.
– Additional benefits include hospice care, e-second medical opinion, wellness services – diet and nutrition programmes, weight management programmes, specialist consultations – through telehealth app.
– The Life Assured will get a cumulative bonus of 5% of the Basic Sum Assured for each claim-free year, subject to a maximum of 50% of the Basic Sum Assured. The insured can avail health check-up after every claim-free year.
– For a person of 36 years of age ₹10,00,000, Sum Assured, Premium (Except GST) is ₹23,605
Key Features of Star Cardiac Care Insurance Policy – Platinum
– insured amount . available up to ₹15,00,000; Customer can opt for Sum Assured ₹5,00,000, ₹7,50,000, ₹10,00,000 or ₹15,00,000
– Available to individuals aged 7 years to 70 years who have been diagnosed with cardiac disorders.
– Waiting period for cardiac disorders: 30 days.
– Covers pre and post hospitalization expenses like inpatient hospitalization, day care treatment, road ambulance,
– Heart transplant expenses are covered up to 200% of the sum insured (after a waiting period of 24 months)
Expenses related to cardiac equipment are covered up to 50% of the sum insured.
– Additional benefits include e-second medical opinion, tele-health services, health services
– Covers outpatient medical expenses from day one.
– Automatic restoration of Basic Sum Assured up to 100% once the Sum Assured and No Claim Bonus expires during the policy term
– If the insured submits ECHO, Lipid Profile and HbA1c report and is normal, he/she can avail 10% discount on renewal premium.
– Renewal benefits include health check-up benefit on completion of each policy year
-Cumulative bonus of 10% of Basic Sum Assured for each claim-free year, up to a maximum of 100% of Basic Sum Assured.
– For a person of 50 years of age ₹10,00,000 Sum Assured, Premium (Exclusive of GST) is ₹31,035
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