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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioIn India thousands of families are concerned about the financial implications of cancer. The treatment may be prohibitively expensive and thus a good health insurance cover is needed. Star Health Cancer Care Platinum Insurance Policy is one of the cancer care insurance policies which is designed to suit the needs of individuals at risk as well as disease management for the individuals who are living with cancer. The purpose of this bit is to understand what this policy has to offer in 2025, its features, merits, claiming procedure, and comparison to its substitutes.
The policy is known as the Star Health Cancer Care Platinum Insurance Policy and is a health insurance policy that is developed specifically to cover people who have been diagnosed with cancer and those who are even at the risk of the disease as well. This policy will provide insurance on early-stage cancer and advanced-stage cancer which is crucial to families.
The plan is tailored toward a variety and extensive variety of cancer-related treatment unlike standard health insurance. In 2025 it will continue to be among the best insurance options that concern Indians about this looming cost of cancer care.
The policy of insurance is aimed at:
No, it does not cover pre-existing cancer, which was diagnosed prior to the purchase of the policy on day one. Coverage will normally have a waiting period.
Do you know? According to Indian Council of Medical Research (ICMR) data for 2025, over 1.7 million people in India are living with cancer, and treatment can cost up to Rs. 30 lakhs or more.
There are a number of highlights of the Star Health Cancer Care Platinum Insurance Policy:
Yes, it includes annual health check-ups and early screening activities, which allows insured people to identify problems at the initial stages.
Expert insight: Dr. Nirmala Mohan, leading oncologist in Bengaluru, says, “Dedicated cancer policies help bridge the financial gap in actual treatment expenses, especially for modern therapies not always covered by traditional insurance.”
All insurance policies carry the exclusions. 2025 some key exclusions are:
At present, treatment cost abroad is not covered by Star Health Cancer Care Platinum as per the 2025 specifications.
Do you know? This is because some insurance companies might demand that people above 60 years pay a co-payment whenever taking out a new policy, however with this plan, the co-payment will be kept low during renewals.
Claim settlement is easily accessible in digital-friendly forms that do not contradict the standards of 2025:
In most cases, it takes between 7 and 15 working days to settle a claim once the documentation is in place.
Yes, it is portability but you have to meet the terms and rules of porting as prescribed by IRDAI.
In case of planned hospitalization, there must be a pre-authorization, more so in the case of cashless treatment.
Expert insight: Insurance planner Anita Sharma from Mumbai says, “A disease-specific plan like Star Cancer Care Platinum makes sense for people with a family history or for those who want higher financial security against future risks.”
The premiums are subject to age, extent of cover and terms. An approximate annual premium table of a non-smoker who is healthy is:
| Age Band | R 5 Lakh Sum Insured | R 10 Lakh Sum Insured | R 25 Lakh Sum Insured |
|---|---|---|---|
| 18-35 years | Price 4,500 | Price 8,750 | Price 19,200 |
| Age 36-50 years | 8,800 | 16,300 | 36,000 |
| 51-65 years | 17200 | 31600 | 68900 |
The latest and most up to date premium rates on a basic level are available by age group and risk profile but it is worthwhile contacting Star Health to obtain the best changes in rates.
| Feature | Star Cancer Care Platinum | Aditya Birla Cancer Secure | HDFC Life Cancer Care |
|---|---|---|---|
| Sum Insured (max) | ₹25 Lakhs | ₹20 Lakhs | ₹50 Lakhs |
| Minor-Entry Age | 5 months - 65 years | 18 - 65 years | 18 - 65 years |
| Lump Sum Benefit | Yes | Yes | Yes |
| Annual Health Check Up | Yes | No | No |
| Renewability | Lifelong | Lifelong | Till 75 years |
| Wellness/Preventive Care | Y | Lim | N |
| Waiting Period | 90 days | 120 days | 180 days |
Do you know? And according to 2025 figures, it is only 4 percent of Indians who have a critical illness cover that is specifically stated to include cancer.
Purchasing such policy in 2025 is not complicated and highly digital:
Yes, there will be 2025 digital health lockers and a Star Health customer portal, which keeps the customer records on medicine and claims safely, and accessible whenever they want.
The waiting period of the policy is 90 days after the effective start. It does not cover cancer diagnosed in the period.
Yes, the dependent children between 5 months and the age of 25 years can be included.
After being covered, the reoccurrence of cancer can be claimed unless it occurs in the first waiting period.
You can only adjust your sum insured upwards when you renew and this has to be approved by underwriters.
Yes, some palliative or supportive care costs are covered according to the terms of policy.
Indeed policy holders are covered to seek second medical opinion.
The change in the premiums might be done in accordance with the annual rate change but not only triggered by the claim.
The Star Health Cancer Care Platinum Insurance Policy will be an internationally recognized and futuristic insurance option in the year 2025 to deal with cancer risk by Indians. It provides high coverage on all levels, digital claims, additional facilities supporting (annual checkups) and simple renewals, and it enjoys financial protection. Explain to an adviser or the insurer about your family needs as well as medical history before buying an insurance cover. Never forget to read the policy brochure on fine print.
Sources:
Star Health Official Website, IRDAI Guidelines 2025 about cancer insurance, ICMR India Cancer Report 2025
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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