Benefits of Buying a Star Cancer Care Gold Insurance Plan

Take a look at some attractive benefits of buying a Star Cancer Care Gold plan:

1. Coverage for Existing Cancer Patients

The Star Cancer Care Gold plan is the first plan ever to provide health insurance to existing cancer patients in India. Thus, people diagnosed with cancer of Stage 1 or Stage 2 can buy this policy.

2. Second Malignancy/Recurrence/Metastasis Covered

This innovative policy provides coverage for a second malignancy, which is unrelated to first cancer. It also accepts claims arising out of recurrence or metastasis of cancer. However, the coverage is available after a waiting period of 30 months.

3. No Pre-Acceptance Medical Tests Required

Star Health Insurance for cancer does not require applicants to undergo a pre-medical screening before buying irrespective of their age. All they need to do is submit their previous medical records to purchase this policy.

4. Cashless Hospitalization

Policyholders can avail cashless hospitalization benefits across India at more than 12000 network hospitals.

5. Tax Benefits

As per Section 80D of the IT Act, premiums paid for Star Cancer Care Gold plans will be eligible for tax deductions.

Inclusions of Star Cancer Care Gold Insurance Plan

The Star Cancer Care Gold plan includes the following coverage:

• Cancer Cover – The policy provides a lump sum cover in case of metastasis, second malignancy, and recurrence of cancer only.
• Hospitalization Expenses - The policy offers hospital room rent cover and also compensates for nursing expenses, ICU charges, medicine costs, etc.
• Emergency Ambulance Charges – The cost of a road ambulance service is covered up to Rs 1,500 for each hospitalization and up to a maximum of Rs 2000.
• Pre-hospitalization Expenses – Any expenses incurred for up to 30 days before the hospitalization can also be claimed.
• Post-hospitalization Expenses – Any expenses incurred for up to 60 days after getting discharged from the hospital are also covered.
• Day Care Treatments – The cost of all day care procedures are also covered.
• Modern Treatments – The policy provides coverage for 12 modern treatments, including oral chemotherapy, robotic surgeries, etc.

Exclusions of Star Cancer Care Gold Insurance Plan

The following expenses are excluded under the Star Cancer Care Gold plan:

• Treatment for first cancer and related ailments
• Non-allopathic treatments
• Unproven treatments
• Cost of dietary supplements and substances
• Maternity expenses
• Cosmetic or plastic surgery
• Intentional self-injury
• Dental treatment or surgery