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Star Health Cancer Care Platinum Insurance Policy

Star Cancer Care Platinum Insurance Policy offers maximum protection for persons diagnosed with Cancer. The policy maintains the insured’s financial readiness throughout their battle with cancer and offers indemnity coverage for medical costs incurred for both cancer-related and non-cancer illnesses. It pays for all medical costs related to cancer treatment, such as hospitalization, rehabilitation, pain management, daycare visits, etc. In addition, the policy pays the policyholder a lump sum for recurrence, metastasis, and unrelated malignancy to initial cancer.

These policies do not require pre-medical testing to be used. However, the insured must submit any prior medical records for any treatment received at the time the policy was purchased. 

Read on to know more about the Star Cancer Care Platinum Insurance Policy in detail!

Eligibility Criteria

Here are the eligibility criteria for the Star Cancer Care Platinum Insurance Policy.

AgeAny person aged between 5 months and 65 years can avail of this policy.
Policy Term1 Year
Type of Policy 1Individual
Sum Insured Options

Section I – Rs.5,00,000/-, Rs.7,50,000/- and Rs.10,00,000/-

Section II – 50% of Section I sum insured. (Sum Insured under Section II cannot vary)

Pre-medical ExaminationNo
Instalment Facility availableQuarterly – 3% | Half Yearly – 2%

Key Features & Benefits of Considering the Star Cancer Care Platinum Insurance Policy

Here is the list of the features and benefits of choosing the Star Cancer Care Platinum Insurance Plan.

  1. Unique Cover

Specially created for people with cancer diagnoses. It provides coverage for both cancer-related and non-cancer medical costs.

  1. Lump Sum Cover

Recurrence of cancer, metastasis, and/or a second malignancy unrelated to the original cancer are all covered by a lump sum benefit.

  1. Hospice Care

A compassionate approach to treating cancer patients whose condition has advanced to the point where their quality of life is at risk.

  1. Copayment

For new policies as well as renewals, this policy requires an insured person to co-pay 10% of every claim amount if they are 61 years of age or older.

  1. Pre-hospitalization Expenses

Medical costs up to 30 days before the insured person is admitted to the hospital.

  1. Post Hospitalization Expenses

Medical costs incurred within the first 60 days following the insured person’s hospital discharge. The amount due for each hospitalization shall not exceed 2% of the basic sum insured.

  1. Day Care Procedures

Due to technological advancements, medical treatments and surgical procedures that call for less than 24 hours in the hospital are covered.

  1. Pain Management and Rehabilitation

Rehabilitation and pain management costs are covered each policy period up to the specified sub-limit or a maximum of 10% of the basic Sum Insured, whichever is less.

  1. Second Medical Opinion

A doctor in the Company’s network of medical professionals is available to the insured person for a second medical opinion.

  1. Health Examination

For each year without a claim, expenses for health check-ups are covered up to Rs. 2500.

  1. Wellness Services

Through a variety of wellness activities, this program aims to encourage, reward, and promote a healthy lifestyle among insured persons.

Is There Anything that the Star Cancer Care Platinum Policy Doesn’t Include?

Here are things that are not covered under the Star Cancer Care Platinum Policy.

  1. Before the expiration of 30 months of continuous coverage following the date of the first policy’s inception with the insurer, costs associated with the treatment of a pre-existing disease (PED) and its direct complications will be excluded.
  1. If the amount of coverage is increased, the exclusion will once again apply to the new amount.
  1. The waiting period would be shortened to the extent of prior coverage if the insured person meets the portability requirements of the current IRDAI (Health Insurance) Regulations and maintains continuous coverage without a break.
  1. Any pre-existing condition must be disclosed at the time of application and accepted by the insurer for it to be covered under the policy after the initial 30 months have passed.

Sample Premium Illustration of Star Cancer Care Platinum Insurance Policy

Let’s take the example of Mr. Ashu Prasad, who is working as a Content Manager at one of the renowned companies in New Delhi. After getting suggestions from his family and even friends, he finally decided to go with Star Cancer Care Platinum Policy from Star Health Insurance.

Let’s take a look at the premium amount that Mr. Prasad will need to pay for the Star Cancer Care Platinum Insurance policy:

AgeOptional CoverHealth Insurance CoverPremium Amount
30 YearsNoRs. 5 LakhsRs. 19, 104
30 YearsNoRs. 7.5 LakhsRs. 24, 037
30 YearsYesRs. 10 LakhsRs. 51, 767

How To Buy Star Cancer Care Platinum Insurance Policy?

Since cancer is a major disease, planning beforehand is extremely crucial! If you have decided to buy the Star Cancer Care Platinum Policy, then you can easily make it happen with these steps. Ensure you follow these steps properly to avoid any confusion or problem later.

  1. Firstly, you will need to go to the official website of Star Health Insurance using your laptop or your smartphone.
  1. When you are on the home page of the site, you will need to find out the “Plans” section on the top and then click on “View All” under the “Health” Tab.
  1. Right after you click it, you will see the page stating all the health insurance plans. After that, you need to find the “Star Cancer Care Platinum Insurance Policy”. Then, click on the “View Plan” button to open the plan page.
  1. The “Star Cancer Care Insurance Policy” page will then be displayed in detail. You will only see the banner at the top of the page, where you must enter your full name, mobile number, and pin code. Make sure the information you entered is accurate. Click “Get a Quote” after verifying the information.
  1. After that, you will be taken to a page where you must enter your name, phone number, and email address before pressing the “Next” button.
  1. On the following page, fill out the required fields—such as your birthdate, and choose whether you want to select any optional cover or not, then click Next.
  1. Select the health insurance plan you want, and the details of the premium payment will be calculated below. If you are satisfied with the premium amount, then find the “Buy Now” button at the bottom and click on it to proceed with the buying process.
  1. The payment must be made in the final step using a credit/debit card or net banking, and the policy information will be sent to the registered email address or mobile number.

What Is The Claim Procedure for Star Cancer Care Platinum Policy?

Policyholders can make a claim against their Star Cancer Care Platinum Policy in two different ways. Let’s discuss the steps to claim so that you don’t need to face a financial burden.

Cashless Claim:

  • The first thing that you need to do is contact the insurance desk at the earliest. To contact them, give them a phone call at 1800 425 2255 or 1800 102 4477, or by email at Make sure you provide them with all the information related to your hospital admission.
  • The hospital receptionist will need to see your Star Health ID card to verify that you are an authorized policyholder.
  • Next, send the hospital a complete set of supporting documentation so they can confirm your identity and mail a properly completed advance authorization form to Star Health.
  • In the fourth step, before processing the claim by the terms and conditions, their doctors review all pertinent supporting documentation.

The company will pay the hospital the agreed-upon sum once it has received the claim documentation from the hospital following discharge. A field doctor assigned to the case in the final instance may visit the patient in the hospital if it is necessary.

Reimbursement Process:

The reimbursement process is defined as the process where the insurance company reimburses the hospital bills that you have paid already. Let’s discuss the reimbursement process to avoid the medical bills taking a toll on your financial health.

  • After the procedure for discharge is complete, pay all hospital bills and compile all original documentation of the assistance provided and expenses incurred.
  • Be sure to complete all claim forms and submit them to the nearby Star Office along with all necessary original documentation.
  • The company will handle claims, but only by the policy’s terms and conditions.

What is The Renewal Process of Star Cancer Care Platinum Policy?

If you want to continue reaping the benefits of your Cancer Care policy, then ensure it should not be expired. Even if it did, you don’t need to worry about it. If you want to renew your Star Cancer Care Platinum Insurance policy, then following these steps will get the job done in just 2 minutes.

  1. The first step is to go to the home page of Star Insurance.
  1. When you are on the home page, find the “Renew” option at the top of the page and then click on it.
  1. After that, a new page will open wherein you will need to enter your policy number and date of birth. Then, you will need to click on the submit button after entering the correct details.
  1. The details of your policy will be displayed on the screen as soon as you click the button. The remainder of your premium can then be paid using a variety of payment options.
  1. After completing the above steps, your policy will be successfully renewed, and the necessary details will be sent to the contact information you provided.

Frequently Asked Questions

The Star Cancer Care Platinum policy will pay you a lump sum if you file a claim for a separate second cancer. The policyholder will still be covered for accidents and other illnesses even though this lump sum cover will end.

Yes. After a 30-month waiting period, the Star Cancer Care Platinum plan offers health insurance to Indian cancer survivors.

Yes. The costs of cancer treatment at all stages are covered by the Star Cancer Care Platinum policy.

Under Section 80D of the Income Tax Act of 1961, there is a tax break available for paying the premium for this insurance in any manner other than cash.

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