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 for Bariatric Surgery

This is the only Health Insurance plan that covers the cost of Bariatric Surgery. You can cover the expenses incurred on Hospitaliations and complications thereof subject to a maximum of Rs.2,50,000 during the policy period.

Cover for Accidental Death and Permanent Total Disability

This plan provides additional cover upto your Sum Insured in case of death due to accident or permanent total disability. This feature is available for 1 adult below 70 years for the policy.

Key Product Benefits to Check

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 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.

Health Checkup

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 claim free years.

Out Patient Medical Expenses

You can get reimbursement for the expenses ou incurred on Medical Consultations as an Out Patient in Network Hospitals for other than Dental and Opthal, upto the limits mentioned in the schedule of beneifts with a limit of Rs. 300 per consultation.

Delivery and New Born Expenses

You can cover the expenses incurred for delivery including delivery by caesarean upto the limits mentioned, upto a maximum of 2 deliveries. You can avail this facility after 3 continuous policy years.

Get Cash benefit during hospitalization

Get Cash benefit of Rs.500 to Rs.1500 for each day (depending on plan type) during hospitalization, which you can use against all non claimable expenses.

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.

3 years waiting period

You cano claim for maternity/ new born expenses and Bariatric Surgery after 3 continuous policy years.

FAQ’s

Can I avail this policy if I am not an Indian National but living in India?

Yes, foreigners living in India can be covered under a health insurance policy. However, the coverage would be restricted to India.

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.

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..

Can a take a health insurance policy for my child who is 3 yrs old?

Children alone are not covered individually in health policies but can be covered with either of the parent.

My wife and children are residing at Mysore while I am here in Bangalore. Can I cover all of us in one policy?

Yes, you can cover the entire family under one policy. Your health insurance policy is in force across India.