userThe Star Cancer Care Platinum Insurance Policy is a specialized health insurance plan tailored for individuals diagnosed with cancer. Here’s a summary of its key features:
Plan Essentials:
1. No Pre-Medical Tests: No medical examination is required to avail this policy.
2. Unique Coverage: Covers both cancer-related and non-cancer-related medical expenses.
3. Lump Sum Cover: Provides a lump sum for recurrence, metastasis, or second malignancy unrelated to the first.
4. Hospice Care: Supports quality of life for patients with advanced, life-limiting cancer.
Policy Highlights (Section I):
Policy Term: Available for a 1-year term.
Eligibility: Open to individuals aged 5 months to 65 years.
Sum Insured: Options of ₹5,00,000, ₹7,50,000, and ₹10,00,000.
Coverage Details:
In-Patient Hospitalisation: Covers expenses for hospital stays exceeding 24 hours.
Pre-Hospitalisation: Medical expenses for up to 30 days prior to hospitalisation.
Post-Hospitalisation: Medical expenses for up to 60 days post-discharge (up to 2% of the sum insured per hospitalisation).
Road Ambulance: Covers ambulance charges.
Room Rent & ICU Charges: Room (single standard A/C) and ICU charges covered as per actuals.
Cataract & Modern Treatment: Costs covered as per policy terms.
Day Care Procedures: Includes treatments requiring less than 24-hour hospitalisation.
Rehabilitation & Pain Management: Covered up to 10% of the sum insured per policy period.
Hospice Care: 20% of the sum insured for advanced cancer care (after a 12-month waiting period).
Co-Payment: 10% co-payment for claims if the policy is purchased or renewed at age 61+.
Cumulative Bonus: 5% bonus on the sum insured for every claim-free year, up to 50%.
Health Check-Up: ₹2,500 for health check-ups after every claim-free year.
Wellness Services: Encourages a healthy lifestyle through rewards and activities.
Instalment Payment: Premiums can be paid quarterly or half-yearly.
AYUSH Treatments: Covers inpatient hospitalisation under alternative medicine systems like Ayurveda, Unani, Siddha, and Homeopathy.
Optional Cover (Section II):
- Lump Sum for Cancer:
- Provides 50% of the Section I sum insured as a lump sum for recurrence, metastasis, or second malignancy unrelated to the first.
- Offered in addition to the indemnity cover.
For full terms, conditions, and additional details, refer to the official policy documents.
FAQs
Rahul Khanna
