Star Cancer Care Gold

Star Cancer Care Gold

Star Cancer Care Gold

What is Special? An Insurance cover for the First time in Indian Insurance History to Cancer affected lives.
What does it offer? I. A lumpsum benefit against the risk of recurrence / Spreading of Cancer (metastasis) / Second Cancer
(Second Malignancy) unrelated to previous Cancer.
II. The risk of non cancer related illnesses and accidents affecting the cancer survivors.
Who Can Buy? Persons diagnosed with Cancer (Stage 1 or Stage 2) and whose primary treatment is on/done.
Age At Entry 05 Months to 65 years
Policy Type Individual
Sum Insured Options 3 Lac and 5 Lac – Sum Insured change not allowed
Policy Term 1 year – Life Long Renewals Guaranteed
Policy Benefits
Section – 1 Lumpsum Benefit – When there is a recurrence / Metastasis and / or a Second Cancer
For 3 Lac SI – Rs. 150000 & For 5 Lac SI – Rs. 250000
Section – 1I Indemnity Cover – Surgical and Interventional Theraphy – For non – Cancer Treatments
For 3 Lac SI – Rs. 100000 & For 5 Lac SI – Rs. 150000 – Per Policy Year
Section – 1II Indemnity Cover – Non Surgical and Non Interventional Theraphy
For 3 Lac SI – Rs. 50000 & For 5 Lac SI – Rs. 100000 – Per Policy Year
Room Rent Limit Single Standard A/C Room for both Section 2 and Section 3 Benefits
ICU Actuals
Professional Fee Surgeon, Anasthetist, Medical Practioner, Consultant, Specialists Fee – Actuals
Other Medical Expenses Anasthesia, Blood, Oxygen, Operation Theatre Expenses, Medicines, Drugs, Diagnostic Expenses, etc – Actuals
Road Ambulance Charges Rs. 1500 per hospitalisation & Rs. 2000 per Policy Period
Pre-Hospitalisation Expenses Covered for 30 days prior to Hospitalisation – Actuals
Post-Hospitalaisation Expenses Covered for 60 days from the Date of Discharge – Actuals
Day Care Procedures Coverage ALL Day Care Procedures Covered
Policy Continuity – After Sec. 1 Benefit Policy Will continue for Section 2&3 Benefits for remaining policy term
Policy Renewal – After Sec. 1 Benefit Guaranteed renewal for Section 2&3 Benefits @ a lower premium
Pre-Medical Screening? No. Medical Check NOT required
Waiting Periods
a.For Cancer (Sec1) 30 Months from Inception of Star Cancer Care Gold
b. For treatment of non-cancer
illnesses/accident (Sec – 2&3)
30 days Waiting Disease/Illness contracted during first 30 days since inception will not be covered
24 Months Waiting Specified Illness/Diseases liks – Cataract, Stone removal, Cyst removal, Organ Transplation etc
48 Months Waiting Pre-Existing Diseases (Other than Cancer) – Declared, Accepted and Endorsed in Policy
Copay 10% on admissible Claims under Section 2&3 for insured more than 60 years of age at entry level
Premium
Age/
Sum Insured
Before
(section I Benefit)
After
(section I Benefit)
3 lakh 5 Lkah 3Lakh 5Lakh
5m-29yrs 17400 27300 12250 18700
30-39yrs 17800 27900 12650 19300
40-49yrs 18900 29200 13750 20600
50-59yrs 21000 32000 15850 23400
more than 60yrs 23200 35100 18050 26500