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Star vs Religare Cancer health insurance

India Cancer health Insurance offers coverage for those diagnosed with cancer. This benefit is available after the free look up period mentioned in the cancer insurance policy’s terms and conditions. India cancer mediclaim insurance policy offers coverage for expenses from cancer diagnosis and treatment, including hospitalization, chemotherapy, radiation, surgery etc.
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Policy Term
1 year 1/2/3 years Upto 3 years 1 year 1 year
Eligibility Criteria
Persons between the age of 5 months and 65 years, who have already been diagnosed with Cancer (Stage 1 or Stage 2) can avail this insurance. 5 years to 50 Years on Individual Basis
18 to 65 years 3 months to 65 years 1 day to 70 years can opt for this insurance cover
Sum Insured (SI)
Rs.3,00,000/- and Rs.5,00,000/- 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore 3 Lakhs to 1 Crore 5 Lakh | 10 Lakh | 15 Lakh | 25 Lakh | 50 Lakh Rs.1 Lakh and in multiples thereof subject to a maximum of Rs.10 Lakhs
Coverage
Section Sum insured (Rs.) Sum insured (Rs.)
Section 1 – Lumpsum benefit-when there is a recurrence / metastasis and / or a second cancer1,50,000/-2,50,000/-
*Section 2 – Indemnity Cover – Surgical and Interventional Therapy1,00,000/-1,50,000/-
*Section 3 – Indemnity Cover - Non Surgical and Non Interventional Therapy50,000/-1,00,000/-
Total3,00,000 /-5,00,000/-
*Applicable only for accidents & diseases other than Cancer and its related ailments
Individual : Maximum up to 6 Persons Individual and Family Floater Individual Sum Insured options starting from Rs.1 Lakh and in multiples thereof subject to a maximum of Rs.10 Lakhs available under this policy.
50% of Sum Insured or Rs. 2,50,000 whichever is less as lump sum amount on acceptance of claim.
Pre hospitalization
Up to 30 days prior to the date of admission 30 days - Relevant medical expenses, towards treatment of Cancer, incurred before admission inthe Hospital for a period of THIRTY (30) days prior to the date of admission under Pre Hospitalisation Medical Expenses -
Post hospitalization
Up to 60 days prior to the date of admission 60 days - Those incurred after Discharge from the Hospital for a period of SIXTY (60) days after the date of discharge are payable are payable under Post Hospital Medical Expenses -
Day care treatments
All day care treatments Listed as per the Plan, Up to Sum Insured - 58 daycare procedures are covered -
Ambulance cover
Emergency Ambulance charges for transporting the Insured person to the hospital up to a sum of Rs.1500/- per hospitalization and Rs.2000/- per policy period. Up to Rs. 3000 per hospitalization - Up to Rs. 3000 per hospitalization -
Renewal
Lifelong Renewability Lifelong Renewability Lifelong Renewability Your Policy can be renewed, as long as You pay the Renewal Premium before the dateof expiry of the Policy or within grace period On every claim free Renewal, No claim bonus( NCB) of 5 % ( Max upto 25%)
General waiting period
Section 1: 30 months waiting period : Treatment must have commenced only after waiting period for an admissible claim under this section
Section 2 and Section 3:
  • 30 days waiting period ( Not applicable for accidents)
  • 24 months waiting period for specified illness/diseases/treatments
  • 48 months waiting period for pre existing diseases.
  • Initial Waiting Period: 90 days
  • Specific ailment Waiting Period: Not Applicable
  • Pre-existing diseases Waiting Period: 4 years
90 days and 180 days as per the illness specified in policy wordings
1 year for Pregnancy and Newborn Complications.
4 Years for all Pre-existing Conditions declared and/or accepted at the time of applying first policy with us.
90 days -
Co-pay
10% co-pay shall be applicable on each and every claim under Section 2 and 3 if you are aged above 60 years during first inception of this policy. Such co-payment shall be applicable for renewal also.
If your age is upto 60 years during first inception of this policy then co-payment condition shall not be applicable
Up to SI*; only for SI* >=1Cr (Limited to In-Patient Care and Day Care treatment) with a Co-payment of 10% per Claim - - -
Claims procedure
For Section 1:
a) Certificate from the Treating Doctor confirming the recurrence/metastasis / second malignancy of Cancer
b) Clinical, radiological, histological, pathological, histopathological and laboratory reports in support.
For Section 2 and Section 3:
· Call the 24 hour help-line for assistance-1800 425 2255/ 1800 102 4477. Inform the ID/Policy number for easy reference
· In case of planned hospitalization, inform 24 hours prior to admission in the hospital
· In case of emergency hospitalization, information to be given within 24 hours of hospitalization
· Cashless facility can be availed in all network hospitals wherever possible
· In non-network hospitals payment, must be made up-front and then reimbursement will be effected on submission of documents if claim is found admissible
No Claims Bonus - 50%/25%/25%-Corresponding increase in SI* for 1st, 2nd and 3rd continuous claim-free Policy Years respectively, Max up to 100% of SI* - - 50% of Sum Insured or Rs. 2,50,000 whichever is less as lump sum amount on acceptance of claim.
Advantages
1) No Third Party Administrator, direct in-house claims settlement.
2) Faster and hassle – free claim settlement.
3) Cashless facility wherever possible in network hospitals.
1)Pre and post hospitalization medical expenses covered
2)Chemotherapy & Radiotherapy Cover
3)No specific ailment waiting period
Cancer Cover, Carcinoma in Situ, Major Illnesses Covered, Minor Illnesses Covered
  • Chemotherapy
  • Radiotherapy
  • Organ transplant, as part of Cancer treatment
  • Onco-surgery (Surgeries for excision of cancerous tissue or removal of organs/ tissues)
  • Proton Treatment
  • Personalised & Targeted therapy
  • Hormonal Therapy or Endocrine manipulation
  • Immunotherapy including immunology agents
  • Stem cell transplantation
  • Bone marrow transplantation
Covers all types of Cancer (except Cancer caused in presence of HIV & Kaposi Sarcoma which is one of the many forms of skin cancer)
Covers very early stage forms as well ( regardless of location and spread of cancer)
*SI - Sum Insured

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022