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Insurance Plans Comparison

Star Cancer Care Platinum vs ICICI Lombard Health Elite Plus

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

Cancer Care Platinum

For people already diagnosed with cancer, this pays hospital bills for cancer and other illnesses, includes lifetime hospice care up to 20% of the sum insured, and offers an optional lump sum if cancer returns or spreads.

What Makes It Special:

A health insurance plan built for people who have already been diagnosed with cancer (any stage). It pays hospital bills for both cancer and non-cancer illnesses, needs no pre-policy medical tests, and offers an optional lump-sum payout if cancer comes back, spreads, or a new unrelated cancer develops.

Best For:

  • Buyers who prefer no pre-policy medical tests (past medical records are submitted instead)

  • Families planning for possible recurrence or spread of cancer through a lump-sum payout

  • Patients who want help with costs of advanced treatments like oral chemotherapy, immunotherapy and robotic surgery

  • Cancer survivors who want cover for both cancer and everyday hospital needs

  • People already diagnosed with cancer who find it hard to get regular health insurance

VS
ICICI Lombard

Health Elite Plus

Get a single private room and reset up to 100% of the sum insured once for the same illness and unlimited times for a different illness, with a 20% loyalty bonus up to 100% that stays after a claim.

What Makes It Special:

ICICI Lombard Health Elite Plus offers an unlimited reset benefit that can replenish up to 100% of the base sum insured when the available cover becomes insufficient after previous claims. It can be used unlimited times for different illnesses and once for the same illness, subject to policy conditions. The plan...

Best For:

  • Buyers who want the option to add specific benefits, such as worldwide hospitalisation cover or outpatient services, subject to eligibility and additional premium.

  • Customers seeking benefits such as donor expenses, domiciliary hospitalisation and air ambulance cover.

  • People who value a guaranteed cumulative bonus that can increase their available cover over time.

  • Buyers who want a reset benefit for eligible subsequent hospitalisation claims.

  • Individuals or families looking for a health insurance plan with multiple sum insured options.

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Star Cancer Care Platinum

  • Things to Consider: 10% co-payment applies if the insured person's entry age is 61 or above; maternity is not covered.

  • Things to Consider: Several treatments have sub-limits (modern treatments, cataract, rehabilitation, hospice care).

  • Things to Consider: Room is limited to a Single Standard A/C room; post-hospitalisation is capped at 2% of SI per hospitalisation.

  • Things to Consider: Sum Insured is limited to Rs.5L, 7.5L or 10L and cannot be increased later, even on renewal.

  • Things to Consider: Pre-existing diseases, including the cancer itself, have a 30-month waiting period.

  • Reasons to Consider: Includes hospice care (up to 20% of SI), rehabilitation and pain management, health check-up and second medical opinion.

  • Reasons to Consider: Optional Section II pays a lump sum (50% of base SI) on recurrence, metastasis or a second unrelated cancer.

  • Reasons to Consider: No pre-policy medical tests, irrespective of age.

  • Reasons to Consider: Covers hospitalisation for both cancer and non-cancer conditions.

  • Reasons to Consider: Designed specifically for people with a cancer diagnosis, aged 5 months to 65 years.

ICICI Lombard Health Elite Plus

  • If you need worldwide cover or other add-ons, confirm their availability, waiting periods, limits and additional premium before purchasing.

  • If you opt for voluntary co-payment or treatment outside your selected pricing zone, account for the applicable out-of-pocket share.

  • If you expect to use outpatient services, confirm whether the optional BeFit cover is selected and what its specific limits include.

  • If you have a pre-existing condition, check the 24-month waiting period and disclose your medical history accurately.

  • Choose a sum insured that fits your expected medical costs and check how room eligibility changes at the ₹20 lakh threshold.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Cancer Care Platinum
Cancer Care Platinum

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite Plus
Health Elite Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Cancer Care Platinum

Single Standard AC Room

Covered up to Sum Insured

VS

Health Elite Plus

  1. Normal: Covered Up to Sum Insured
  2. ICU: Covered up to sum insured
Advanced Treatments

Cancer Care Platinum

Covered

VS

Health Elite Plus

  1. Oral chemotherapy
  2. Robotic surgeries
  3. Stem cell therapy
ICU Charges

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Not verified for the exact current variant configuration.

Co-payment

Cancer Care Platinum

Applicable for Senior Entry Ages

VS

Health Elite Plus

Insured can choose 10% or 20% co-payment, allowing cost-sharing for lower premium expenses.

Disease-wise sublimits

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Cataract treatment is limited to 10% of the sum insured, up to ₹1 lakh per eye, after the applicable two-year period. Other applicable limits and exclusions must be checked in the policy wording.

Waiting Period

Cancer Care Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 30 Months

VS

Health Elite Plus

Information Unavailable

Cashless Healthcare Providers

Cancer Care Platinum

Available

VS

Health Elite Plus

10,000+ Cashless Healthcare Providers

Restoration Benefit

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Reset of up to 100% of the base sum insured, unlimited times for different illnesses and once for the same illness. It does not trigger on the first claim and is subject to the policy conditions.

Daycare Treatment

Cancer Care Platinum

Covered

VS

Health Elite Plus

Covers procedures requiring less than 24-hour hospitalization, like cataract surgery and chemotherapy.

Cumulative Bonus

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Loyalty bonus is described in the available policy information; current applicable rate and maximum require verification.

AYUSH Treatment

Cancer Care Platinum

Covered

VS

Health Elite Plus

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy at government-recognized institutions.

Consumable Cover

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Not verified as a standard benefit for the exact current variant.

Initial Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

30 days for illnesses from the start of the policy; accidents are excluded from this waiting-period restriction.

Specific Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

24 months for specified diseases and procedures listed in the policy.

PED Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

24 months for declared and accepted pre-existing diseases, subject to policy terms and applicable portability rules.

Modern Treatment

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Covered up to the annual sum insured, subject to policy terms and exclusions.

Annual Health Checkup

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Preventive health check-up available at designated centres, subject to policy conditions.

Pre-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

60 days


Post-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

180 days.

Outpatient Department Cover (OPD Expense)

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Not included as a general unlimited standard benefit. Optional BeFit provides specified outpatient consultations and related benefits on a cashless basis, according to the selected plan.

Deductible Option

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

No deductible option.

Coverage Options

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Individual and family floater options, with sum insured options from ₹5 lakh to ₹3 crore.

Maternity Cover

Cancer Care Platinum

Information Unavailable

VS

Health Elite Plus

Childbirth-related medical expenses are excluded, except ectopic pregnancy, as stated in the exclusions.

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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