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.

Automatic Restoration of Sum Insured

The sum insured is automatically restored by 200% when the sum insured is fully exhausted during the policy period.

Non Allopathic Treatments

This plan covers alternative medical practices up to 25% of sum insured for a maximum of up to INR 25,000 per policy period.

Key Product Benefits to Check

Health Check-up

This plan will cover the expenses you incured towards cost of health check-up up-to 1% of the sum insured up to a maximum of Rs.5,000 for sum insured above 2,00,000 and above after every 4 claim free years

Reimbursement of Ambulance Expenses

You can claim upto Rs.750 per hospitalization and upto a max of Rs.1500 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.

Get Tax Benefits

You can get relief under section 80D of the Income Tax Act 1961 on the payment of the premium.

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. This list may include follow-up visits, medication, diagnosis… etc.,

Day Care Treatment

Insurance company will pay for more than 101 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.

Additional Covers Available

Hospital Cash

Choosing this cover help you to Rs 500 per day as Hospital cash benefit for each completed day of hospitalization; maximum Rs 1500 per hospitalisation and up to Rs.3000 per policy year

Patient Care

This plan covers pays attendant charges after discharge @ Rs 400 per day up to maximum of 5 days per hospitalisation, for patients above 65 years of age.