Star Comprehensive Insurance Policy

Highlights

No Capping on room rent
Treatment at Private Single A/c Room

Care beyond Cover
Disease management programme for healthy life through Wellness.
Attractive premium discounts

Extra cover
Air Ambulance assistance, second medical opinion, Domiciliary hospitalization, Organ donor expenses, Ayush treatment are covered

Health Checkup
Cost of Health checkup for every claim free years

Cover for maternity
Cover for maternity (normal and Cesarean delivery) and new born baby

Automatic restoration
Automatic restoration by 100% for subsequent hospitalization even for illness/disease for which claim/s was/were made

Cover on OPD basis
Dental/Ophthalmic cover on OPD basis

Personal accident cover
Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

Renewal Benefits
100% Increase in Sum Insured upon a claim free renewal

Buy Back Pre-existing disease
Reduction in waiting period for Pre existing diseases

Covers complex medical procedures
Covers medical expenses incurred on Bariatric surgical procedures and its complications.

Mid term Inclusion
Mid term Inclusion of newly married/wedded spouse and new born baby is permissible on paying additional premium

Benefits

Section 1: Hospitalization
Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Private Single A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
Road Ambulance charges for emergency transportation to hospital as per specified limits.
Air Ambulance Benefit expenses up to Rs.2,50,000/- per hospitalization, not exceeding Rs.5,00,000/- per policy period.
Pre hospitalization expenses up to 60 days prior to admission in the hospital
Post hospitalization expenses up to 90 days after discharge from the hospital
Outpatient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
Coverage for Domiciliary hospitalization for a period exceeding three days.

Section 2: Delivery and Newborn
Expenses incurred as in-patient for Delivery including Delivery by Caesarean section
Treatment of the Newborn
Vaccination expenses for the new born baby are payable up to the limits mentioned in the schedule of Benefits, until the new born baby completes one year of age and is added in the policy on renewal.

Section 3: Out-patient Dental and Ophthalmic Treatment
Dental / Ophthalmic treatments as an out-patient - once in a block of every three years.

Section 4: Organ Donor Expenses
Expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable provided the claim for transplantation is payable.

Section 5: Hospital Cash
Hospital cash benefit for each completed day of hospitalization for a maximum of 7 days per occurrence is payable.

Section 6: Health Check up
Cost of Health checkup is payable after every claim free year

Section 7: Bariatric Surgery
Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable up to the limits mentioned, during the policy period.
The maximum limit of Rs.2,50,000/- and Rs.5,00,000/- are inclusive of pre-hospitalization and post hospitalization expenses.

Section 8: Option for Second Medical Opinion
The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network.

Section 9: AYUSH Treatment
Inpatient Hospitalization expenses incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health as in patient is payable up to the limits mentioned in the Schedule of Benefits.

Section 10: Accidental Death and Permanent Total Disablement
Accidental Death
Permanent Total Disability following an accident
Dependent Children and persons above 70 years can be covered under Accidental Death and Permanent Total Disablement up to the sum insured of Rs.10,00,000.

Section 11: Star Wellness Program
Discount in the Renewal premium for healthy lifestyle through wellness activities.

Section 12: Buyback PED (Optional Cover)
The Buyback PED waiting period will be reduced from 36 to 12 months on payment of additional premium.

Automatic Restoration of Sum Insured (Applicable for Section 1 Only)
Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once during policy period. Such restored Sum Insured can be utilized for illness /disease unrelated to the illness / diseases for which claim/s was / were already made.
Such restoration will be available for section 1 other than outpatient medical consultation.

Cumulative Bonus -maximum benefit of bonus is 100% of the basic sum insured.

Midterm inclusion of newly married / wedded spouses and New Born Baby is permissible on paying additional premium. The intimation about the marriage / newborn should be given within 60 days from the date of marriage or new born

Waiting Period: The Company shall not be liable under this policy directly or indirectly for
First 30 days for illness/disease (other than accidents)
24 months for specified illness/disease/treatments
36 months for pre-existing diseases

Pre-Acceptance Medical Screening: Only for Buyback PED (Optional Cover).

Pre-Existing Diseases/Illness: Are covered after 36 months of continuous Insurance without break. If insured opts Buyback PED then Pre-Existing Diseases covered after 12 months of continuous coverage from the inception of this policy

Coverage for Modern Treatment
Instalment Facility: Premium can be paid Monthly, Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years)

Eligibility
Persons between 18 years and 65 years of age at the time of entry can take this Insurance. Dependent children can be covered from 3 months and up to 25 years of age. There is no upper age limit for continuous renewals.
This policy is both on Individual basis and on Family Floater basis. Family for the purpose of this policy means self, spouse and dependent children, not exceeding 3

General Terms

Co-Payment:
10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.

Tax Benefit:
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free look period:
At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :
If the Insured has not made any claim during the free look period, the Insured shall be entitled to a refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges or where the risk has already commenced and the option of return of the policy is exercised by the policyholder, a deduction towards the proportionate risk premium for period on cover or where only a part of the insurance coverage has commenced , such proportionate premium commensurate with the insurance coverage during such period. Free look period shall not be applicable at the time of renewal

Star Advantages
No third Party Administrator, direct in-house claim settlement.
Faster & hassle-free claim settlement.
Cashless hospitalization wherever possible.