Star Cancer Care Gold

Star Cancer Care Gold

HIGHLIGHTS

·         First ever health insurance product for persons diagnosed with Cancer.

·         First ever Pilot product in Health Insurance industry- A limited period offer.

·         Entry Age: 5 months to 65 years with Sum Insured Rs.3 lakhs & Rs.5 lakhs.

·         Lump sum cover of 50% of Sum Insured - for recurrence, metastasis, and/or a second malignancy unrelated to first cancer.

·         Regular indemnity health covers for accidents & illness other than Cancer.

·         No pre acceptance medical tests.

BENEFITS

Why Star Cancer Care Gold?

·         Whether you are just diagnosed with Cancer or have already completed your treatment &cured from Cancer, you still may be incurring medical expenses for ordinary illness such as fever which may make a hole in your pocket.

·         An indemnity cover may be a fitting protection to your purse against medical expenses.

·         In an unfortunate circumstance of a second cancer or metastasis or recurrence of cancer you might be requiring a reasonable amount to take required medical care.

·         Star Cancer Care Gold ( Pilot Product) is the only solution to your financial worries.

Co pay under Section 2 & 3:

10% shall be applicable if the insured person is aged above 60 years during first inception of this policy . Co pay shall be applicable for respective renewals also.

What does the indemnity Sections Cover?

·         Room (Single Standard A/c), Boarding, Nursing expenses as provided by the Hospital / Nursing Home. Expenses relating to hospitalization will be considered in proportion to the eligible room rent stated in the policy or actual whichever is less.

·         Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.

·         Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical appliances, Medicines and Drugs etc

·         Emergency Ambulance up-to a sum of Rs. 1,500/- per hospitalization and overall limit of Rs. 2,000/- per policy period.

·         Pre-Hospitalization medical expenses incurred for a period not exceeding 30 days prior to the date of hospitalization.

·         Post Hospitalization medical expenses incurred for a period of 60 days from the date of discharge from the hospital.

·         Expenses incurred for all day care procedures

Waiting period: Section 1 ( Lumpsum )

30 months from first inception of Cancer Care Gold (Pilot Product).

Treatment must have commenced only after waiting period for an admissible claim under this section.

Section 2 and Section 3: (Indemnity)

·         30 days waiting period

·         24 months waiting period for specified disease/procedure

·         48 months waiting period for treatment of pre existing disease ( except Cancer)

ELIGIBILITY

Proposer may cover Self/ Spouse/Dependent Children/ Dependant Parents

Sum Insured Type: Individual

Sum Insured Options: Rs.3,00,000 / Rs.5,00,000

Select appropriate sum insured as no further change shall be allowed

Policy Tenure: One year

GENERAL TERMS

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period :

A free look period of 15 days from the date of receipt of the policy is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company shall allow refund of premium paid after adjusting stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.

Free look period is not applicable at the time of renewal of the policy

Pre-Acceptance Medical Screening:

There is no pre medical screening irrespective of age.

Renewal:

Lifelong renewal once this pilot product is regularized. Else lifelong renewal shall be offered under suitable alternate product.

If there is an admissible claim under Section 1 any subsequent renewal shall happen only for Section 2 and 3 charging appropriate premium.

Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Grace Period for renewal:

30 days from date of expiry of policy. For availing seamless coverage under Section 1 it is recommended to renew without break

STAR ADVANTAGE

·         No Third Party Administrator, direct in-house claim settlement.

·         Faster and hassle-free claim settlement.

·         Cashless hospitalization.

·         Network of more than 9800+ hospitals across India.

·         24x7 Toll Free Helpline.

·         Information on health through free health magazine.

Young Star Insurance Policy

HIGHLIGHTS

·         Silver and Gold

·         Treatment at Single Private A/C room

·         Delivery Expenses and Hospital cash Benefit

·         Cost of health checkup for irrespective of claim

·         Automatic restoration by 100% for subsequent hospitalisation even for illness/disease for which claim/s was/were made

·         25% subject to maximum of Rs.10,00,000/-

·         Mid term Inclusion of newly married/wedded spouse and new born baby is permissible on paying additional premium

·         Discount in the renewal premium for healthy life style through wellness activity

·         10% discount at the time of renewal after 40 years of age.

BENEFITS

·         Room (Single Private A/C room), Boarding and Nursing Expenses as provided by the Hospital.

·         Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.

·         Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges,etc

·         Emergency Road Ambulance charges for emergency transportation to hospital

·         Pre hospitalization expenses up to 60 days prior to admission in the hospital

·         Post hospitalization expenses up to 90 days after discharge from the hospital

·         All Day Care Procedures are covered.

·         E-Medical Opinion

·         Cost of Health Check up: Expenses incurred towards Cost of Health check-up up to the limits mentioned on completion of each policy year (irrespective of claim)

·         Automatic Restoration of Sum Insured : Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once during policy period. Such restored Sum Insured can be utilized only for illness /disease unrelated to the illness / diseases for which claim/s was / were made.

·         Cumulative Bonus: The insured person will be eligible for Cumulative bonus calculated at 20% of basic sum insured for each claim free year subject to a maximum of 100% of the basic sum insured.

·         Additional Basic Sum Insured for Road Traffic Accident (RTA): If the insured person meets with a Road Traffic Accident resulting in in-patient hospitalization, then the Basic Sum Insured shall be increased by 25% subject to a maximum of Rs.10,00,000/-. This benefit is payable if the insured person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider

·         Star Wellness Program: Discount in the Renewal premium for healthy lifestyle through wellness activities.

·         Instalment Option: Only for Policy term 1 year (only ECS Mode) Monthly/Quarterly/Half yearly. Instalment facility will be available only for the sum insured Rs.10 lacs and above.

BENEFITS AVAILABLE ONLY UNDER GOLD PLAN

·         Delivery Expenses: Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up-to Rs.30,000/- per delivery is payable.

·         Hospital Cash Benefit: The Company will pay a Cash Benefit of Rs 1000/- for each completed day of hospitalization subject to a maximum of 7 days per hospitalization and 14 days per policy period

SPECIAL FEATURES (APPLICABLE FOR BOTH SILVER AND GOLD PLAN)

If the Insured person enter this policy before the age of 36 years and he renewed continuously without any break, on completion of 40 years of age the insured person will get a discount of 10% on the premium applicable at renewal at the age of 40 years for the sum insured opted at the inception of this policy

Midterm Inclusion: Permissible on payment of proportionate premium subject to the following;

·         Newly Married / Wedded spouse and/or legally adopted child: Intimation about the marriage/adoption should be given within 45 days from the date of marriage or date of adoption.

·         New born baby: Intimation about the new born baby should be given within 90 days from the date of birth. The cover for new born commences from the 91st day of its birth.

Special conditions:

·         Waiting periods as stated in the policy will be applicable from the date of inclusion of such newly married/wedded spouse, new born baby, legally adopted child.

·         Such midterm inclusion will be subject to underwriter’s approval.

Waiting Period: The Company shall not be liable under this policy directly or indirectly for

·         First 30 days for illness/disease (other than accidents)

·         12 months for specified illness/disease/treatments

·         12 months for pre-existing diseases

Pre-Acceptance Medical Screening: No Pre-Acceptance Medical Screening

Pre-Existing Diseases/Illness: Are covered after 12 months of continuous Insurance without break.

ELIGIBILITY

·         Persons between 18 years and 40 years of age at the time of entry can take this Insurance. Dependent children can be covered from 91 days and up to 25years of age.

·         This policy is both on Individual basis and on Family Floater basis. Family for the purpose of this policy means self, spouse and dependent children, not exceeding 3

·         Lifelong Renewal.

Sum Insured Options:

·         Rs.3,00,000/- (Available only on Individual sum insured basis)

·         Rs.5,00,000/- , Rs.10,00,000/- ,Rs.15,00,000/-, Rs.20,00,000/-,Rs.25,00,000/-, Rs.50,00,000/-, Rs.75,00,000/- and Rs.1,00,00,000/- available for Individual and Floater basis.

·         If the policy is issued on floater basis, the basic sum insured, cumulative bonus and other related benefits floats amongst the insured persons

GENERAL TERMS

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free look period:

At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :

If the Insured has not made any claim during the free look period, the Insured shall be entitled to:

·         A refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges
or

·         where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover
or

·         where only a part of the insurance coverage has commenced , such proportionate premium commensurate with the insurance coverage during such period.

Free look period shall not be applicable at the time of renewal

STAR ADVANTAGES

·         No third Party Administrator, direct in-house claim settlement.

·         Faster and hassle free claim settlement.

·         Cashless hospitalization wherever possible.

NOTE: The benefits mentioned herein are only an outline of the policy. 

Star Health Insurance Red Carpet

About Star Health Insurance Red Carpet

Star Health Senior Citizens Red Carpet Health Insurance Policy is a plan for senior citizens. It offers cover to people from the age of 60 and allows the admission right up to the age of 75. The coverage can be extended, thereafter till lifetime. It is the best way to care for your parents, and other older loved ones. When the plan is issued for more than 1 year, the sum insured is for each and every year, without any carryover advantage thereof. The policy is available on an individual as well as a floater basis.

This policy of Star Health comes with a lot of benefits such as no acquirement for a pre-insurance medical test, medical consultations as an outpatient in a network hospital, a wide range of sum insured options and guaranteed lifetime renewal of the policy. The plan is available for 1 or 2 or 3 years that can be renewed

Red Carpet Plan Details

Features/Plan	Red Carpet
Room Rent	10 lakh - 1% of SI (max Rs. 6000), 15 lakh - Rs. 7000, 20 lakh - Rs. 8500, 25 lakh - Rs.10000
ICU Charges	2% of SI up to 10 lakh & 15 lakh; 20 lakh, 25 lakh - Actual
Pre and Post Hospitalization	Pre-hospitalization - 30 days, post hospitalization - maximum up to Rs. 10000 (depends on SI)

Key Inclusions and Exclusions of the Plan

What's Included

·         Tax benefit on the premium amount is available under section 80D of IT Act

·         Portability option can be availed by applying 45 days prior to renewal date

·         Co-payment is available for pre-existing and non-pre-existing diseases

·         All day care procedures are covered under this health insurance plan

·         The plan coverage involves hospitalization cover and ICU charges etc.

What's Not Included

·         Use of intoxicating substances like drugs, alcohol, tobacco and so on

·         Treatment of venereal disease and sexually transmitted diseases

·         Intentional self-injury or injury caused due to a suicide attempt

·         The plan doesn’t include congenital external condition, defects or anomalies

·         Injury or disease caused due to warlike operations, nuclear materials etc.

Expert Review for Star Health Red Carpet

·         Expert Review

Different people have different requirements for health insurance, depending on their age. And as far as old age is concerned, it becomes difficult to purchase an affordable health insurance policy then. But with Star Health’s Senior Citizens Red Carpet Insurance Policy, you need to worry less. This policy completely solves your purpose of living a healthy life at old age.     

Senior Citizens Red Carpet Health Insurance Policy is the optimum policy for the individuals aged between 60 to 75 years. Available on Individual Sum Insured and Family Floater Sum Insured basis, this plan offers choice in Sum Insured options ranging from Rs. 1 Lakh to Rs. 7.5 Lakh on Individual basis and from Rs. 10 Lakh to Rs. 25 Lakh on Family Floater basis. If compared to other senior citizens health insurance plans, the Sum Insured options, for instance, in Religare’s Care Senior Plan, start from a higher amount. But this plan allows you to get coverage for Sum Insured of even Rs. 1 Lakh

  Major Attractions

Star Health Senior Citizens Red Carpet Health Insurance comes with several advantages that addresses the critical health care requirements during old age. Some of them are listed below:

·         All daycare procedures are covered

·         Room, boarding and nursing expenses

·         Emergency ambulance charges up to a specified limit

·         Surgeon, Anesthetist, Specialist’s or Consultant’s fee up to 25% of the Sum Insured for every hospitalization

·         Expenses for outpatient consultation in the network hospitals up to a specific limit

·         60 days post-hospitalization expenses for hospitalization due to disease, illness or injury

·         30 days pre-hospitalization expenses for hospitalization due to disease, illness or injury

·         Cost of health check-up up to the specified limit at the network hospital for every claim-free year

·         Anesthesia, Oxygen, Blood, cost of Pacemaker, OT charges, etc. up to 50% of the Sum Insured for every hospitalization  

What’s More?

No, that’s not all. The plan comes with certain added advantages. These aim at greater customer satisfaction and provide some monetary benefits to the policyholders. Some of them are- 

• Guaranteed renewals for lifetime

• Tax benefits under Section 80D of the Income Tax Act

• Both self and spouse can avail discount under Floater policies by submitting medical reports

• Though the pre-insurance medical test is not necessary under this plan, a discount of 10% on the premium is allowed if some specified medical records of at the time of policy purchase are submitted

• Cashless hospitalization under network hospitals