Health Insurance February 26, 2021

A health insurance plan can help protect your finances if faced with any medical emergency. But choosing a suitable plan for yourself or your family can be a tough task as insurers offer different plans. Star Cancer Care Plan and Care Freedom Plan are two popular health insurance plans in the market today. Here, we will be comparing these two plans to help you make the right decision.

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But first, let’s look at the striking features of the Star Cancer Care Plan and Care Freedom Plan. In the below table, you can check the same.

Star Cancer Care PlanCare freedom Plan

  1. First-ever pilot product for persons diagnosed with Cancer

  2. Multiple sum insured options

  3. Coverage for modern treatment on choosing the indemnity cover options

  4. Lump sum cover

  5. Coverage for accidents and other illnesses

  6. No pre-acceptance medical screening

  7. Lifelong renewability


  1. Health insurance for people with Diabetes, High BP & High Body Mass Index

  2. Shorter waiting period of 2 years for pre-existing diseases

  3. Longer policy term

  4. Family floater option for up to 6 members

  5. Annual health check-up facility

  6. No pre-policy medical check-up

  7. Companion benefit

Now is the time to compare both these plans from Star Health and Care Health in detail so that you can choose accordingly. Do read to know more!

Let’s Compare Star Cancer Care Plan and Care Freedom Plan

Star Cancer Care Plan is the first-ever unique pilot product designed especially for individuals fighting against cancer and are at risk of recurrence, metastasis, or second cancer (unrelated to first cancer). Here, a pilot product means that it is launched on a test basis for 5 years. Care Freedom Plan, in contrast, can be a right fit for individuals affected with diabetes, high blood pressure, and high body mass index (BMI).

So, this is the basic comparison between these two plans. To know in detail, we will be comparing them on several factors such as the sum assured, coverage period, additional features, premium amount, etc.

Flexibility of Choosing Plan Options

Both the Star Cancer Care plan and Care Freedom plan provide the freedom to choose from different plan options. Under the plan from Star Health, there are three sections — Lump Sum Benefit, Indemnity Cover for Surgical & Interventional Therapy, and Indemnity Cover for Non-Surgical & Non-Interventional Therapy.  The overall sum insured will be distributed into these three sections.

You can choose the sum insured between two options — INR 3 lakh and INR 5 lakh. To know more, you can check the below table!

SectionsSum Insured Option of INR 3,00,000Sum Insured Option of INR 5,00,000
Lump-Sum - Recurrence, metastasis, second cancer unrelated to first cancerINR 1,50,000INR 2,50,000
Indemnity Cover - Surgical & Interventional TherapyINR 1, 00,000INR 1,50,000
Indemnity Cover - Non-Surgical & Non-Interventional TherapyINR 50,000INR 1,00,000

On the other hand, with the Care Freedom plan, individuals can choose between two plan options — Plan 1 and Plan 2. The sum insured option for Plan 1 can be either INR 3 lakh or INR 5 lakh, while for Plan 2, it can be either INR 7 lakh or INR 10 lakh.

Policy Term

Despite being a pilot product ( 5-year test basis), the policy term of Star Cancer Care can last for a year. However, you can renew the policy every year. On the other hand, you can choose the policy term from – 1 year, 2 years and 3 years under the Care Freedom Plan.

Minimum Premium Amount

In the case of the Star Cancer Care Plan, the minimum premium amount depends on the age, the sum insured amount, and on two conditions (before a claim under and post-claim under section 1). Before a claim, the minimum premium amount will be INR 17,400 per year for individuals of 5 months to 29 years old with a sum insured of INR 3 lakh. For the post-claim, the minimum premium will be INR 12,250 per year.

With the Care Freedom Plan, individuals can enjoy a discount on their premium amount on choosing a 2-year or 3-year policy term.

Additional Features of Star Cancer Care Plan and Care Freedom Plan

Check out the table below to know the extra these two plans offer to you.

FeaturesStar Cancer Care PlanCare Freedom Plan
Pre-acceptance Medical ScreeningNo pre-medical screening irrespective of ageNot Required
Day Care ProceduresAvailableAll Daycare Procedures are covered up to the sum insured
Pre- and Post-Hospitalization30-days pre- and 60-days post hospitalization expenses coveragePre- and Post-hospitalization up to 10% of payable hospitalization expenses
Room Rent ExpensesUp to a certain limit of the sum insuredUp to a certain percentage of the chosen Sum Insured
Domiciliary Treatment (Treatment Taken at Home)Not AvailableUp to 10% of the sum insured covered after a minimum of 3 days of home treatment
Emergency Ambulance CoverUp to INR 1,500 per hospitalization with an overall limit of INR 2,000 per policy periodUp to INR 1,000 per hospitalization
Organ Donor ExpensesNot AvailableCovered up to the Sum Insured Limit
Modern TreatmentsCovered up to a specified limit of the sum insuredCovered up to a limit of the Sum Insured option
AYUSH Treatment (Ayurveda, Unani, Sidha or Homeopathy)Not AvailableAvailable up to a pre-decided limit
Consumable AllowanceNot AvailableINR 1,000 per day (for a maximum of 7 days per hospitalization covered after 3 days)
Cataract TreatmentAvailableUp to INR 30,000 per eye
Companion BenefitsNot AvailableINR 15,000 (if the hospitalization exceeds 10 days)
Free Look Period15 days from the date of receipt of the policy15 days from the date of receipt of the policy
Grace Period30 days from the date of expiry30 days from the ending date of the policy period
Tax BenefitsAvailable under Section 80D of the Income Tax Act, 1961Available under Section 80D of the Income Tax Act, 1961

Eligibility Criteria

Individuals aged between 5 months and 65 years diagnosed with Cancer (Stage 1 or Stage 2) can choose the Star Cancer Care plan. The proposer for this plan from Star Health may cover self, spouse, dependent children, and dependent parents.

For the Care Freedom plan, the entry age for adults and children can be as low as 18 years and 90 days, respectively, while the maximum entry age can be lifelong and 24 years for adults and children, respectively.

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