Star Health Insurance

Star Cancer Care Gold Insurance from Star Health Insurance is an individual policy that is only designed keeping in mind the cancer patients and huge costs that is associated with this dangerous disease. This is the first Insurance Plan in India which is being launched on a pilot basis for cancer patients.

Let us see the main benefits of this Star Health policy:

1. Coverage of the risk of scattering of Cancer- Metastasis and relapse of Cancer or Second Cancer
2. The benefit of complete coverage of 9 stated critical illnesses
3. The benefit of Lump sum compensation on the diagnosis of critical illness
4. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments

"The plan is specially designed for patients who have the prevailing heart or cardiac disease by Star health Insurance. Star Cardiac Care understands the worries and disturbance caused due to this health issue and therefore provides a complete solution

The main benefits of the plan are:

1. Coverage of hospitalization costs for both accident and non-cardiac treatments
2. Flexible plan selections for an individual with 2 pans available which are Silver Plan and Gold
3. Coverage for Out-Patient expenditures like costs for, Diagnostic tests, Medical consultations medicine and drugs
4. Reimbursement for Personal Accidental Death at no extra cost"

Introduced under the guidelines of IRDAI,the STAR Cardiac Care Insurance Policy-Platinum is a licensed and standard policy inaugurated for individuals that have been diagnosed with a Cardiac disorder/ ailment or have undergone a Cardiac Surgical Intervention The policy understands that your heart needs extra attention and timely protection. Hence, the unique cardiac Care Insurance Policy is designed so that individuals do not have to compromise with their Cardiac health at any point. However, the Policy is eligible for individuals falling into the 7-70 years of age group.

Main Features of the Cardiac Care Insurance Policy-Platinum

1. Cardiac Care Insurance Policy-Platinum comes in three sections: one which is applicable for Accident and Non-cardiac ailments, one for Cardiac ailments, and the third for out-patient expenses.
2. The Policy covers in-patient’s medical expenses including
   • Room, Boarding, and Nursing expenses as provided by the Nursing home/hospital
   • All charges of blood, Anaesthesia, oxygen, ICU,surgical appliances, operation theatre, medicines, drugs, and diagnostic materials
   • Fee payment of all medical practitioners, specialists, surgeons, Anaesthetist, and consultants
   • All medical expenses sustained due to health checkups, rehabilitation, pain management programs,Conventional Coronary Angiogram Tests, heart transplantation, and cardiac devices.
3. The Cardiac Care Insurance Policy-Platinum covers all charges incurred in daycare procedures
4. The Policy sustains all expenses of Cataract Treatment up to payable limits
5. The STAR Cardiac Care Insurance Policy-Platinum offers brilliant installment facilities to its clients. Installments can be paid half-yearly and quarterly. It can also be paid annually or Biennial (once in 2 years), and Triennial (once in 3 years)
6. The Policy offers E-medical opinions from the expert panel of the company
7. Besides covering ambulance charges for emergency transportation
8. The Policy has coverage for all new age/modern Cardiac treatments
9. The Policy offers different waiting periods. For section 1, the waiting period is
   • 30 days for all treatments (other than accidents)
   • 24 months for certain special diseases/illnesses
   • 48 months for treating pre-existing/ chronic diseases