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This policy has been created to cover the most essential clinical aspects required in the process of recovery for an individual.
Highlights
Affordable Policy
Highly beneficial and affordable health insurance policy
Flexible Policy
Policy can be taken on Individual and Floater basis
Policy Term
One year
Day Care Procedures
All Day care Procedures covered
AYUSH Cover
AYUSH Treatment covered
Modern Treatment Cover
Modern Treatments are covered Up to 50% of the Sum Insured.
Benefits
Room Rent up to 2% of the sum insured subject to maximum of Rs.5000/-, per day.
Intensive Care Unit-up to 5% of sum insured subject to maximum of Rs.10,000/- per day.
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees-Actuals.
Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs-Actuals.
Road Ambulance[/B]: subject to a maximum of Rs.2000/- per hospitalization.
Pre-Hospitalization Expenses[/B]: Up to 30 days prior to hospitalization
Post-Hospitalization[/B]: Up to 60 days from date of discharge from hospital
All Day care procedures are covered.
Cataract-subject to a limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower, per each eye in one policy year.
AYUSH Treatment[/B]-Medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital.
Modern Treatments Below listed procedures are covered up to 50% of the sum insured as an inpatient in a hospital;
Cumulative Bonus (CB) -
5% of the expiring Sum Insured for each claim free policy year subject to maximum of 50% of the sum insured under the current policy year.
Co-Payment-
5% of copayment is applicable for each and every claim is irrespective of age at entry.
Waiting Period:
The Company shall not be liable under this policy directly or indirectly for
Initial Waiting period[/B] - 30 days for illness/disease (Other than accidents)
Waiting period Specified ailments- 24 months
48 Months waiting period for the followings:
Treatment for joint replacement unless arising from accident
Age-related Osteoarthritis & Osteoporosis
Pre- diseases waiting period - 48 months
Pre-Acceptance Medical Screening:
Persons above 50 years of age will have to undergo pre-acceptance health screening at the company's nominated centers.
Pre-Existing Diseases/Illness:
Are covered after 48 months of continuous Insurance without break.
Instalment Facility
Premium can be paid Monthly, Quarterly and Half Yearly. Premium can also be paid Annually
Sum Insured Options
Rs.1,00,000 ; Rs.1,50,000 ; Rs.2,00,000 ; Rs.2,50,000 ; Rs.3,00,000 ; Rs.3,50,000 ; Rs.4,00,000; Rs.4,50,000; Rs.5,00,00; Rs.5,50,000; Rs.6,00,000; Rs.6,50,000; Rs.7,00,000; Rs.7,50,000; Rs.8,00,000; Rs.8,50,000; Rs.9,00,000; Rs.9,50,000; Rs.10,00,000
Rural Discount:
For identified Rural areas, discount of 20% is available on the premium.
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.
This policy is both on Individual basis and on Family Floater basis.
General Terms
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 policy holder, 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.
Covered all day care treatment
All Day care procedures are covered
Up to 60 days
Up to 60 days from date of discharge from hospital
Up to 30 days
Up to 30 days prior to hospitalization
Rs.2000/- per hospitalization
subject to a maximum of Rs.2000/- per hospitalization
Up to the limit of sum insured
Medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital
10200+ hospitals to serve you
Largest Network of 10200+ hospitals to serve you
Subject to a limit of 25% of Sum Insured
Subject to a limit of 25% of Sum Insured or Rs.40,000/-, whichever is lower, per each eye in one policy year
Available
Family Covered in this Policy
48 months
Are covered after 48 months of continuous Insurance without break
Up to 2% of the sum insured
up to 2% of the sum insured subject to maximum of Rs.5000/-, per day
5% of the expiring Sum Insured for each claim free policy year
5% of the expiring Sum Insured for each claim free policy year subject to maximum of 50% of the sum insured under the current policy year
5% of copayment is applicable
5% of copayment is applicable for each and every claim is irrespective of age at entry
