Key Highlights

Cashless Treatment at 7900+ Network Hospitals

You don’t have to pay even a single paisa from your own pocket in more than 7900+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

Cover medical expenses incurred due to Diabetes

Covers hospitalization expenses not just for complications of Diabetes (for both type 1 and type 2) but also covers regular hospitalization, personal accident and Outpatient expenses

Cover the expenses incurred on dialysis

Expenses incurred on dialysis (inclusive of AV fistula /graft creation charges) are payable up-to Rs.1,000/- per sitting is payable for up to 24 consecutive months commencing from the policy year in which Chronic Kidney disease occurs.

Key Product Benefits to Check

Personal Accident

If an insured person sustain any bodily injury from an accident, at any time during period of Insurance and if such accident causes death, then the company shall pay an amount as compensation

Organ Donor Cover

You can cover hospitalization expenses of the organ donor in case of kidney transplantation where the insured person is recipient.

Out Patient Medical Expenses

You can cover the expenses incurred as an outpatient towards medical consultation in network hospitals up to the limits mentioned in the terms.

Expenses before and after Hospitalization

You will get covered for all your claim related medical expenses 30 days before your hospitalization and upto 60 days after your discharge (max upto 7% or Rs.5000). This list may include follow-up visits, medication, diagnosis… etc.,

Day Care Treatment

Insurance company will pay for more than 405 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

Reimbursement of Ambulance Expenses

You can claim upto Rs. 2000 per policy period - spent on ambulance charges from one Hospital to another Hospital. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

Exclusions to note

Pre exisiting diseases

In the first 4 years of subscription, Star will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

30 days waiting period

You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

2 years waiting period

This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

FAQ’s

Does health insurance cover diagnostic charges like X- ray, MRI or ultrasound?

Health Insurance covers all diagnostic test like X- ray, MRI, blood tests etc as long they are associated with the patients stay in the hospital for at least 24 hours. Any diagnostic tests which does not lead to treatment or which have been prescribed as Outpatient are generally not covered.

I am a Foreign Citizen? Can I take a health policy for my father who is in India?

Yes. The scope of coverage shall be restricted to treatment taken in hospitals in India during the policy period.

What do you mean by Network /Non-network Hospitalization?

A Hospital, which has an agreement with us for providing Cashless treatment, is referred to as a 'Network Hospital'. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom we do not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.

Does any health policy cover the treatment for existing disease also?

Normally health plans exclude treatment of any pre existing disease / condition. At Star the treatment of any such pre existing disease/ condition is covered after 48 months of continuous renewals with Star.

Is there an Income Tax exemption under Health policy?

Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.15,000 for individual covering his family and dependant Children.In case the proposer intends to cover his parents under medical insurance, he is eligible for a deduction of another Rs.25,000 under section 80D.In case the age of parent to be covered is above 65 years, the deduction available is Rs.30,000 under section 80D.