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Protection policy with critical benefits and special advantages.
Highlights
Critical illness cover
Cover for 9 specified critical illness.
Lump sum payment
Lump sum payment on diagnosis of critical illness.
Hospitalization Cover
Also covers regular hospitalization.
Non-allopathic treatment cover
Cover for non-allopathic treatment up to specified limit
Cover until policy expiry
On payment of lumpsum, the cover will continue until expiry of the policy for regular hospitalization.
Lifelong Renewals
Lifelong Renewals guaranteed
Benefits
Section 1:
Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
Ambulance charges for emergency transportation to hospital as per specified limits.
Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
Post-hospitalization paid as lump-sum up to the limit specified.
Specific day-care procedures covered. Covered up-to specified limits. This benefit is applicable for Section 1 only.
Non-Allopathic Treatments:
Covered up-to specified limits. This benefit is applicable for Section 1 only.
Section 2: (Major Diseases)
Provides for payment of lump-sum amount equal to the sum insured opted if the insured person contracts any one of the Major diseases for the first time.
Major Diseases Covered:
First diagnosis of cancer, Chronic Kidney Disease, Brain tumour Undergoing for the first time. Major Organ transplant, Occurrence for the first time Cerebrovascular Stroke causing Hemiplegia, Acute Myocardial Infarction, Established irreversible coma, Established irreversible Paraplegia, Established irreversible Quadriplegia. Coverage for Modern Treatment
Eligibility
Any person between 18 years and 65 years of age at the time of entry can take this insurance.
The sum insured under this insurance is per individual member covered.
General Terms
Pre-Existing Diseases/Illness:
Are covered after 48months of continuous Insurance without break with any Indian Insurance Company.
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 claims settlement.
Faster and hassle-free claim settlement.
Cashless hospitalization.
Network of more than 10200+ hospitals across India.
Not Covered
This plan doesn't provide any complimentary access to a Health Assessment Report
Covered Specific day care treatment
Specific day-care procedures covered.Covered up-to specified limits. This benefit is applicable for Section 1 only
Upto the limit specified
Post-hospitalization paid as lump-sum upto the limit specified
Up to 30 days
Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
Covered as per specified limits
Ambulance charges for emergency transportation to hospital as per specified limits
Covered up-to specified limits
Covered up-to specified limits. This benefit is applicable for Section 1 only
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
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
No Capping On Room Rent
Hospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs
Not Covered
This plan doesn't provide coverage for maternity & related claims
Not Covered
No wellness factors are included
