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Star Care is a health insurance plan that gives protection for individuals as well as the entire family, on the payment of a single premium under a single sum insured.
Highlights
Flexible policy basis
Policy is available on Individual and Floater basis in Tier I and Tier II places.
Pre & Post hospitalization cover
Cover for pre-hospitalization and post hospitalization.
Hospital Cash Benefits
Hospital Cash benefit covered, if treatment taken in Government hospital
Lifelong Renewals
Lifelong Renewals guaranteed
Day-care procedure cover
Cover for over 400 day care procedures.
No pre-acceptance medical screening
No pre acceptance medical screening
Benefits
Room, Boarding, Nursing expenses at Rs.750/- per day (0.75% of the sum insured) - either private or shared accommodation.
ICU charges up to Rs.2,000/- subject to maximum of Rs.10,000/- per hospitalization.
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
Ambulance charges for emergency transportation up to a sum of Rs.500/- per hospitalization and overall limit of Rs.1000/- per policy period.
Pre Hospitalization expenses up to 30 days prior to admission in the hospital.
Post Hospitalization expenses up to 60 days after discharge from the hospital. Medical expenses incurred up to 7% of hospitalization expenses subject to a maximum of Rs.3,000/-.
Hospital Cash: Benefit will be paid at the rate of Rs.1000/- per day of hospitalization subject to a maximum of 14 days, where the treatment is taken in Government Hospital. This will be paid only for covered surgeries done as in-patient, whether any claim is made on indemnity basis or not. Payment of claim under hospital cash benefit will not reduce the Sum Insured. With this, the effective maximum claimable amount becomes Rs.1,14,000/-.
Eligibility
Any person between 18years and 65 years of age, from Tier 1 and Tier 2 places in India, can take this insurance. This policy can be renewed during the whole life of the Insured Person.
General terms
Pre-Existing Diseases/Illness:
Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.
Pre-Acceptance Medical Screening:
There is no pre acceptance medical screening.
Day care treatment:
405 day care treatments are covered.
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 is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.
Star Advantages
No Third Party Administrator, direct in-house claim settlement
Faster and hassle free claim settlement
Cashless facility can be availed in network hospitals in Tier 1 & Tier 2 location
Network of more than 10200+ hospitals across India
Covered 405 day care treatment
405 day care treatments are covered
Upto 60 days
Post Hospitalization expenses upto 60 days after discharge from the hospital
Upto 30 days
Pre Hospitalization expenses upto 30 days prior to admission in the hospital
Upto a sum of Rs.500/- per hospitalization
Ambulance charges for emergency transportation upto a sum of Rs.500/- per hospitalization and overall limit of Rs.1000/- 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
Not Covered
No cover for Worldwide emergency evacuation services
Covered
Family Covered in this Policy
Covered after 48 months
Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company
Expenses at Rs.750/- per day
Room, Boarding, Nursing expenses at Rs.750/- per day (0.75% of the sum insured) - either private or shared accommodation
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
