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Star Health Cancer Care (Platinum)

Introduction to Star Health Cancer Care (Platinum)

Star Health Cancer Care (Platinum) is a health insurance policy sold by Star Health and Allied Insurance Company Limited. A health insurance plan promises to pay for hospitalization-related expenses. It acts as a protective shield for savings and healthcare, so you and your family can live a happy, fulfilling life. Star Health Cancer Care (Platinum) Plan is specifically designed for those diagnosed with Cancer - and it provides coverage for medical expenses for both cancer and non-cancer ailments.

Verdict: Star Health Cancer Care (Platinum)

This plan is designed for cancer patients and covers both cancer and non-cancer ailments, rehabilitation, pain management, and hospice care for advanced, life-limiting cancers. It also offers an option to receive a lump sum payout in case of cancer recurrence or second malignancy. The plan, however, does not offer the monthly premium payment option and is relatively expensive than other products in the market. Further, as per our research, the insurer has received a higher number of claim settlement complaints as well as policy purchase complaints. This means that they have a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Star Health Cancer Care (Platinum)

  • arrow Covers medical expenses related to both cancer and non-cancer ailments
  • arrow Provides hospice care for patients with advanced, life-limiting cancers to improve their quality of life
  • arrow Pays a lump sum amount in case of cancer recurrence or second malignancy
  • arrow Covers rehabilitation and pain management costs
  • arrow Expensive than other products in the market
  • arrow Limitations on the type of hospital room you choose
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Star Health Cancer Care (Platinum)

01 Circumcision unless necessary for treating a disease or injury
02 Expenses for treatment related to external birth defects
03 Convalescence , general debility, run-down condition, Nutritional deficiency states
04 Treatment related to intentional self inflicted Injury or attempted suicide by any means
+ Show 13 more

About Star Health and Allied Insurance Company Limited

Star Health and Allied Insurance Company Limited logo

Star Health and Allied Insurance Company Limited is India’s first Standalone Health Insurance provider. The company offers products that cater to everybody, be it individuals, families, or corporations. It was founded in 2006 and is headquartered in Tamil Nadu, Chennai. Mr. V. Jagannathan is the company's chairman and CEO.

Founded in
2006
JV Partners
-
Turnover (GWP)
3268.54 Crores
Number of Policies
17,01,565
Number of Claims
4,70,803

Detailed Product Specs: Star Health Cancer Care (Platinum)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
95.22%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.72%
Claims Incurred Ratio
65.41%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
61.98%
No. of Cashless Hospitals
14,000+

Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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