Star Health launches insurance plans for cancer patients

Star Health and Allied Insurance CMD V Jagannathan, flanked by S Prakash, COO, and V Shanta, Chairperson, Adyar Cancer Institute, Chennai, at the launch of Star Cancer Care Gold policy

The scheme has two sum-insured options of ₹3 lakh and ₹5 lakh

Star Health and Allied Insurance (SHAI) has introduced what it calls an industry-first health insurance cover for people already diagnosed with cancer.

The new health insurance scheme, Star Cancer Care Gold, comes in two sum-insured options — ₹3 lakh and ₹5 lakh. Persons in the age group five months to 65 years, who have already been diagnosed with cancer (stage 1 and 2), can take this insurance.

“This is the first-ever insurance cover for cancer-affected people. At present, health cover is not available for people who are diagnosed with cancer. The unique feature of our policy is that it can be bought without a prior medical check-up.

“Customers can submit previous medical records, including details of latest treatment,” said V Jagannathan, Chairman and Managing Director, SHAI.

Star Cancer Care Gold (SCCG) covers the risk of recurrence, the spread of cancer (metastasis) and second cancer (second malignancy).

It offers lumpsum payout of half the entire sum insured soon after diagnosis of the disease. The policy also covers surgical, non-surgical as well as interventional treatment for non-cancer-related diseases, accident cover, etc., like regular medical insurance.

Premium amount for SCCG will vary from ₹12,250 (excluding tax) to ₹35,100 depending on the age and sum-insured.

“This is a pilot stage and we will gradually increase the sum-insured amount based on the response and other outcomes,” said S Prakash, Chief Operating Officer, SHAI. V Shanta, Chairperson, Adyar Cancer Institute, Chennai, who launched the scheme, said cancer cover is important in the context of growing treatment costs. “The burden has increased from about ₹4.73 lakh in the mid-1980s to ₹12 lakh now, and is expected to increase ₹15 lakh by 2020,” she added.

She pointed out that cancer was no longer a dreadful disease. Due to technology and continuing research, cancer treatment levels have moved from conservative/conventional to precision and personalised ones.

Star Health Insurance is Proud to announce that we have been adjudged the Best Health Insurance Company of 2017 by CMO Asia.

                   Health Insurance Company of the Year 2017 -
                                       Finteleket Insurance Awards 2017

Star Health Insurance When it comes to health there should be no compromises Protect yourself against unforeseen circumstances

                            Best Health Insurance Company of 2017
                                      National Awards For Marketing Excellence

Keep Yourself And Your Loved Ones Safe With Star Health Insurance...

W.H.O Award Of Excellence 2017... 

Family Health Optima An Insurance Plan From Star Health Insurance Is Perfect To Protect Your Family...

 Family Health Optima Insurance Plan

A Super saver Plan covering the entire family under single sum insured. Loaded with extra
benefits.

• Single policy, wider coverage for whole family at an affordable premium.
• Get extra sum insured (auto recharge) at no extra cost,
• Health Checkup benefit for every claim free year
• 3 times Automatic restoration of Sum insured by 100% each time
• Cover for Assisted Reproductive Treatment
• New-born baby cover from 16th day.
• Donor expenses for organ transplantation.
• Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
• Cover for all day care procedures
• Grace Period 120 days

Benefits 

Recharge Benefit

Policy Benefits:

• Room, boarding and nursing expenses all inclusive as per the limits.
• Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities and Medicines and Drugs, Oxygen, Blood, Operation theatre, Diagnostic and Cost of pacemaker.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Air Ambulance charges upto 10% of the Basic Sum Insured during the entire policy period.
• Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
• Post-hospitalisation expenses incurred up to 90 days after discharge from the hospital.
• Domiciliary hospitalisation: Cover for medical treatment for a period exceeding three days.
• Organ Donor Expenses: Cover upto 10% of the Sum Insured or Rupees One lakh, whichever is less.
• Cost of Health Checkup: Expenses incurred towards cost of health check-up up to the limits
• New Born Baby cover: Cover starts from 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less

New Benefits:

• Emergency Domestic Medical Evacuation: Company reimburse the expenses incurred towards transportation of the insured person from the treating hospital to another one upto the limits.
• Compassionate Travel: The Company will reimburse the transportation expenses by air incurred upto Rs5000/- for one immediate family member (other than the travel companion) for travel towards the place where hospital is located.
• Repatriation of Mortal Remains: the Company shall reimburse up to Rs.5,000/- towards the cost of repatriation of mortal remains of the insured person to the residence of the insured.

• Lump-sum for Treatment in Preferred Network Hospital: In the event of a medical contingency requiring hospitalization, if the insured seeks advice from the Company, the Company may suggest an appropriate hospital from the network for treatment upto 1% of Basic Sum Insured subject to maximum of Rs.5000/- per policy is payable as lumpsum.
• Shared Accommodation: Upto the limits.
• AYUSH treatment: Upto the limits.
• Second Medical Opinion: The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company’s network of Medical Practitioners
• Assisted Reproductive Treatment: The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment, where indicated, for sub-fertility
  • Waiting period of 36 months from the date of first inception of this policy.
  • Maximum liability of the Company for such treatment shall be limited to Rs.1 lakh for sum insured of Rs.5 lakh and Rs.2 lakhs for sum insured of Rs.10 lakhs and above for every block of 36 months.

• Additional Sum Insured for RTA(Road Traffic Accident): 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.5,00,000/-

Automatic Restoration of Sum Insured : Available 3 times at 100% each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one.

Recharge Benefit:

Available up to the limits.

Bonus: Following a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.

 Eligibility

• Any person aged between 18 years and 65 years, residing in India, can take this insurance.
• Beyond 65 years only renewals
• Child from 16th day of age can be covered as part of the family.

General Terms

This policy is on floater basis.
Family : Proposer, spouse, dependent children from 16 days up to 25 years (those who are economically dependent on their parents)

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 for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

Guaranteed Lifetime Renewals
Life-long renewals beyond 65 years are offered under this policy.

Co-Payment: 20% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

Pre-Acceptance Medical Screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centres. Cost of screening is currently borne by the company.

Pre-Existing Diseases/Illness: Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

Star Advantage

• No Third Party Administrator, direct in-house claim settlement.
• Faster and hassle free claim settlement.
• Network of more than 7800 hospitals across India.
• Facility for maintaining personal health records in electronic format.

For More details contact: 9790958828 or 9042804851

Star Health Gain Insurance Policy with Out Patient cover & Maximum Tax Benefit

Star Health Gain Insurance Policy

HIGHLIGHTS

• Health insurance policy that covers both Individual and Family.
• Cover for both in-patient and out-patient treatments.
•  Unutilized Outpatient benefit can be carried forward to next year upon renewal
• No claim discount up to 10% applicable upon renewal.
•  Fixed premium across all Sum Insured ranges and age groups.
  

BENEFITS

Hospitalisation Coverage:

Hospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.

Ambulance charges for emergency transportation to hospital as per specified limits.

Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.

Post-hospitalisation paid as lump-sum upto the limit specified.

Specific day-care procedures covered.

Out Patient Benefits:

The policy provides for payment Out Patient expenses upto the limits provided. These Out-patient expenses can be carried forward for immediately succeeding one year only. Any unutilised amount will automatically lapse-Please click here to see the OP benefit chart.
Unique feature:

The unique feature of this policy is that the premium payable is uniform irrespective of the age or the sum insured - Amount payable is Rs.15219/- (including Service Tax).
No Claim Discount:

A no claim discount of 10% on claim free year is allowable on renewal premium. This is the maximum discount and it is not cumulative.

Eligibility

Any person between 5 months and 65 years of age at the time of entry can take this insurance. Children can be covered only along with parents.

This policy can be taken for individuals as well as for family. If taken for individuals the sum insured is applicable for each person separately. If taken on floater basis it is for entire family. Family for the purpose of this policy means self, spouse and dependent children not over 25 years

Star Advantage


No Third Party Administrator, direct in-house claim settlement.
Faster and hassle-free claim settlement.
Cashless hospitalisation.
Network of more than 7800 hospitals across India.
Facility for maintaining personal health records in electronic format

For More details contact: 9790958828 or 9042804851

Star Health Insurance has been adjudged as The Best Health Insurance Provider Of The Year 2015-2016

Star Health Insurance Best Health Insurer Outlook Awards 2016...