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.

Recharge Benefit

If the limit of the coverage under the policy is exhausted / exceeded during the policy period, additional indemnity upto specific limits would be provided once for remaining policy period. Such additional indemnity can be utilized for the same hospitalization or for the treatment of diseases/illness/injury/ for which claim was paid.

Cover your Newborn Baby

You can cover your Newborn baby from 16th day after birth, provided you intimate the company about the newborn and endorse him in the policy. Generally insurers cover children from 91 days of age.

Key Product Benefits to Check

Health Check-up

In order to encourage you to stay healthy, Star Health provides a comprehensive health check-up for all insured persons above 18 years once every 3 continuous claim free years, upto a maximum of 1% of Sum Insured or Rs.5000 whichever is less.

Organ Donor Cover

You can cover hospitalization expenses of the organ donor in case of transplant upto a limit of 10% of sum insured of Rs. 1,00,000 whichever is less.

Automatic Restoration of SumInsured

The Insurance company shall restore your sum insured once in a policy year, if base sum insured and bonus is insufficient to settle a claim, subject only if the Restored Sum Insured shall not be available for claims towards an Illness/ disease/ Injury (including its complications) for which a claim has been paid in the current Policy Year for the same Insured Person.

Expenses before and after Hospitalization

You will get covered for all your claim related medical expenses 60 days before your hospitalization and upto 90 days after your discharge. 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.

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.