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Insurance Plans Comparison

Star Cancer Care Platinum vs Star Super Surplus Gold

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

Cancer Care Platinum

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
Star

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

Insurance Plans Comparison

Get Personalized Advice

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.

Star Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

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
Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Cancer Care Platinum

Single Standard AC Room

Covered up to Sum Insured

VS

Super Surplus Gold

Single Private A/C Room


Advanced Treatments

Cancer Care Platinum

Covered

VS

Super Surplus Gold

Information Unavailable

ICU Charges

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Covered as part of hospitalisation

Co-payment

Cancer Care Platinum

Applicable for Senior Entry Ages

VS

Super Surplus Gold

Not specified as a standard co-payment

Disease-wise sublimits

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Specific limits and defined limits apply


Waiting Period

Cancer Care Platinum

Initial Waiting Period: 30 Days

Pre-existing Disease Waiting Period: 30 Months

VS

Super Surplus Gold

Information Unavailable

Cashless Healthcare Providers

Cancer Care Platinum

Available

VS

Super Surplus Gold

Cashless treatment through network hospitals

Restoration Benefit

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


Daycare Treatment

Cancer Care Platinum

Covered

VS

Super Surplus Gold

All daycare procedures covered

Cumulative Bonus

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Not specified


AYUSH Treatment

Cancer Care Platinum

Covered

VS

Super Surplus Gold

Covered up to Sum Insured

Consumable Cover

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Not specified

Initial Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

30 Days, subject to policy terms


Specific Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


PED Waiting Period

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

12 Months for Gold Plan PEDs

Modern Treatment

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Covered subject to applicable limits

Annual Health Checkup

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Not specified

Pre-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Up to 60 Days


Post-Hospitalisation

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Up to 90 Days

Outpatient Department Cover (OPD Expense)

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Not a standard OPD benefit

Deductible Option

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


Coverage Options

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


Claim Settlement Ratio

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Not specified

Maternity Cover

Cancer Care Platinum

Information Unavailable

VS

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


Insurance Plans Comparison

Still Confused? Get Expert Advice

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

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

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Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

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

Smart, Tech-Enabled Experience

  • 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.

1-5 of 10 FAQs

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