Star Cancer Care Gold

This policy is available for persons between the age of 5 months and 65 years who have already been diagnosed with cancer. (Stage 1 or Stage 2)

Policy term is one year.

No pre acceptance medical tests are required.

There are three sections. Section 1 covers recurrence/metastasis and/or a second cancer.

Only two options are available: 3 lakhs and five lakhs.

Premium for Section 1:

Age slab	3,00,000 (sum insured)	5,00,000 (sum insured)
5 months – 29 years	17400	27300
30-39	17800	27900
40-49	18900	29200
50-59	21000	32000
60-65	23200	35100

The major shortcoming of the policy is the waiting period of 30 months for Section 1. The benefit is not substantial as you end up paying three premiums before being eligible for any benefit.

Section 2 covers surgical and interventional therapy while Section 3 covers non surgical and non interventional therapy. These two sections cover diseases other than those related to cancer. 

Overall this policy is a good attempt to cover pre existing cancer. But the long waiting period is a concern. Also sum insured options are insignificant.  However this is a pilot project and possibly a plan with better features will be available in future.