Star Cancer Care Platinum Insurance Policy
SECTION I
Policy TermThis policy can be availed for a term of one year. |
Entry AgeAny person aged between 5 months and 65 years can avail this policy. |
Sum InsuredThe Sum Insured options under this policy are Rs. 5,00,000/-, Rs. 7,50,000/- and Rs. 10,00,000/-. |
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered up to 2% of the basic Sum Insured per hospitalisation. |
Road AmbulanceAmbulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered. |
Room RentRoom (Single Standard A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
ICU ChargesICU charges at actuals are covered under this policy. |
Cataract TreatmentExpenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause. |
Modern TreatmentModern treatment expenses are covered up to the limits mentioned in the policy clause. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Rehabilitation & Pain ManagementExpenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or the maximum up to 10% of the basic Sum Insured, whichever is less, per policy period. |
Hospice CareFor cancer patients with advanced life-limiting cancer, 20% of the Sum Insured is payable for compassionate care at Network Hospitals after the completion of 12 month waiting period. |
Co-paymentIf the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount. |
Cumulative BonusCumulative bonus is provided at 5% of the Sum Insured for each claim-free year subject to a maximum of 50% of the Sum Insured. |
Second Medical OpinionThe Insured person can avail a Second Medical Opinion from a Doctor in the Company’s network of Medical Practitioners. |
Health Check-UpExpenses incurred for health check-up are covered up to Rs. 2500/- for every claim-free year. |
Wellness ServicesThis program intends to promote, incentivize and to reward the Insured Persons’ healthy life style through various wellness activities. |
Instalment OptionsThis policy premium can be paid on a quarterly or half-yearly basis. |
AYUSH TreatmentsMedical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured |
SECTION II
Lump Sum Cover for Cancer – Optional CoverA Lump sum amount is provided for the recurrence of cancer, metastasis, and/or a second malignancy unrelated to the first cancer. This benefit is provided in addition to the Sum Insured of Indemnity cover under Section I. The Sum Insured under this Section is 50% of the Section I Sum Insured. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.