Health Insurance Star Package - A 360 Degree Protection Plan

Health Insurance Star Package - A 360 Degree Protection Plan

WHY CHOOSE BAJAJ ALLIANZ STAR PACKAGE?

Nowadays, we have to protect ourselves in every way possible and the best way to do so is by opting for a good insurance policy. A health insurance policy provides complete protection against the financial burden of medical expenses. Similarly, we safeguard our home with the help of a home insurance plan, and the list goes on.
However, instead of all these multiple policies, what if there was one health insurance policy that would provide all levels of protection; from health to home and more?

We, at Bajaj Allianz General Insurance, have designed one such comprehensive insurance plan - Star Package. This is a unique family floater policy that protects you and your family against various risks and emergencies. It provides a gamut of covers for various health risks, household contents, education grant, and baggage during travel and public liability, all under one umbrella. We understand that the death, injury or sickness of a sole earning member or any family member can create serious financial problems for your family. Star Package insures you against these circumstances and offers overall protection.

WE OFFER A WHOLE LOT WHEN IT COMES TO STAR PACKAGE POLICY

KEY FEATURES

Star Package is an insurance policy that ensures overall protection with its myriad features:

Health guard
This policy protects you and your family in case of a serious accident or any major illness by providing a cashless benefit and medical reimbursement for hospital expenses.

Critical illness cover
In case you are diagnosed with a critical illness, a lump sum amount will be paid to you. Donor expenses in a transplant surgery that are not covered under a regular health insurance policy can be paid from the amount received under this cover.

Children education benefit
In case of your death or permanent total disability, we will continue paying the sum insured towards your children's education as per your policy.

Personal accident cover
This policy provides coverage against death, permanent total disability (PTD), permanent partial disability (PPD) and temporary total disability (TTD).

Renewability
You can renew your Star Package policy for your entire lifetime.

Hospital cash
Hospital cash benefit guards you and your family from increased expenses that you may face due to hospitalization. We provide cash benefits for each day of hospitalization to ease the burden of such expenses.

Household content cover
You will be covered for losses incurred due to an actual or attempted burglary or a case of house break-in.

Public liability cover
This cover protects you against legal liability for bodily injury or damage to a third-party property.

Baggage cover
Covers your personal baggage against accidental loss, and destruction and damage while travelling anywhere in India.

Covers pre and post hospitalization expenses
This policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalization.

THAT'S NOT ALL, HERE ARE ADDITIONAL BENEFITS WITH YOUR STAR PACKAGE POLICY

This Policy Provides Extensive Coverage Against Medical Emergencies And More With The Following Benefits:

Tax Savings:
Avail income tax benefit under Section 80D of the Income Tax Act.*

Discount up to 30%
Avail sectional and long-term discounts.

I. Section discounts:
a) 10% discount applicable if 4 or 5 sections are opted.
b) 15% discount applicable if 6 to 8 sections are opted.

II. Long-term policy discount:
a) 10% discount is applicable if policy is opted for 2 years.
b) 15% discount is applicable if policy is opted for 3 years.

Hassle-free claim settlement
Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalization or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

Inclusion

1. Critical Illness Covers:
Critical Illness Covers against life threatening conditions and diseases.

2. Accidental Injury/Death
Provides financial cover in case of death, PTD or TTD caused due to an accident.

3. Children education benefit:
Provide children education benefit to up to 2 children in case of death/disability caused due to an accident

4. Household Contents
Cover your house hold items or collectives against theft or in case of burglary.

5. Personal Baggage
Cover loss and damage to your baggage while travelling anywhere in India.

6. Public Liability Cover
Cover you against legal liability for bodily injury or damage to a third party property.

7. Hospital Expenses
Covers medical expenses due to any sort of hospitalization.

Exclusion

1. Pre existing disease and related complications
2. Hospitalization within 30 days of policy issuance
3. Treatment arising from or traceable to pregnancy and child birth including caesarean section.
4. Surgery and dental treatment are not covered, except in case of an accident and required hospitalizations.
5. Medical Expenses due to natural calamities like Volcanic eruption or earthquakes etc.
6. Accidents due to drunk driving.
7. A waiting period of 4 years will be applicable for pre existing diseases.
8. Diseases such as cataract, piles and other slow growing diseases will get covered after 2 years.
9. Non-allopathic medicines, congenital diseases, all expenses arising from AIDS, cosmetic and aesthetic treatments, treatment due to addiction to intoxicating drugs/alcohol will not be covered.
10. Joint Replacement surgery will have a waiting period of 4 years.
11. Any critical illness for which treatment was recommended or advice was given before the start of the policy, and any illness diagnosed within 90 days from the commencement of the policy.
12. Suicide, self-inflicted or any sort of pre existing physical or mental disorders.
13. Theft from a car except, fully enclosed saloon cars having all the doors, windows and other openings securely locked. A loss by any carrier under contract and loss of money, securities, gold and silver ornaments, travel tickets, cheques, drafts, jewelry, share certificates, and articles of consumable nature.
14. Any liability towards the insured that is out of bounds of the policy agreement, such as liability arising from deliberate or willful or international noncompliance with any statutory provision, or connected with fines/penalties in connection with any motor vehicle, watercraft, hovercraft or spacecraft.