Sign-in / Sign-up
Maximum benefits at affordable premiums, available for individuals and family.
Highlights
Outpatient and inpatient cover
Health insurance policy that covers both Outpatient expenses & inpatient expenses
Flexible policy basis
Option to choose premium to be paid with Individual and Floater Sum Insured required
Flexible premium options
Premium options: Rs.15000/-; Rs.20,000/-; Rs.25,000/-; and Rs.30,000/-( applicable GST extra)
Flexible sum insured options
Sum Insured options(for inpatient hospitalization): Rs.1 lakh, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs and Rs.5 lakhs
Day-care procedures
All day care procedures are covered
Ambulance charges
Ambulance charges up to Rs.750/- per hospitalization and Rs.1500/- per policy period.
Section I:
Hospitalization Cover: Room, Boarding, Nursing Expenses up to 1% of sum insured per day. A proportionate deduction shall happen in hospitalization expenses if room rent limit is exceeded.
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
Ambulance charges up to Rs.750/- per hospitalization and Rs.1500/- per policy period.
Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
Post-hospitalization expenses up to 60 days from the date of discharge.
Expenses incurred for all day-care procedures.
Treatment for Cataract is subject to limits mentioned in the policy
Co-Payment: Co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years.
Waiting periods:
30 days (Not applicable for Accidents)
24 months for specified illness/ diseases.
48 months for treatment of Pre existing diseases
Section II:
Out Patient Benefits:
Premium option and Sum Insured Option shall be deciding outpatient benefit level.
Medical expenses incurred in networked facility shall be reimbursed. There is no waiting period or co-pay applicable Unutilized benefit in a policy year can be carried forward to immediately succeeding renewal year. No further carry over is permitted.
Eligibility
Age at entry 91 days to 65 years
Family means Self, Spouse, Dependent children up to 25 years of age
General Terms
Tax Benefits:
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:
A free look period of 15 days from the date of receipt of the policy by the insured is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company may allow refund of premium paid after adjusting the cost of pre-medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.
Free look Period is not applicable at the time of renewal of the policy
Renewal: Lifelong renewal
Grace Period for renewal: 30 days from date of expiry of policy.
Star Advantages
No Third Party Administrator, direct in-house claim settlement.
Faster and hassle-free claim settlement.
Cashless hospitalization.
Network of more than 9900+ hospitals across India.
Covered all day care treatment
Expenses incurred for all day-care procedures
Up to 60 days
Post-hospitalization expenses up to 60 days from the date of discharge
Up to 30 days
Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
Up to Rs.750/- per hospitalization
Ambulance charges up to Rs.750/- per hospitalization and Rs.1500/- per policy period
Not Covered
No complimentary access to doctors in company network through a call
10200+ hospitals to serve you
Largest Network of 10200+ hospitals to serve you
Not Covered
No cover for emergency evacuation services
Subject to limits Covered
Treatment for Cataract is subject to limits mentioned in the policy
Not Covered
No cover for Worldwide emergency services
Covered
Family Covered in this Policy
48 months
48 months for treatment of Pre existing diseases
Upto 1% of sum insured per day
Room, Boarding, Nursing Expenses upto 1% of sum insured per day
20% of each and every claim
Co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years
Not Covered
This plan doesn't provide coverage for maternity & related claims
Not Covered
No wellness factors are included
Not Covered
This plan doesn't provide any complimentary access to a Health Assessment Report
