Entry Age | Any individual between 5 months to 65 years of age can buy this health insurance policy. Children can be covered only with parents. |
Basis | Individual |
Medical Screening | All individuals above the age of 50 years need to undergo pre-acceptance medical screening at company nominated health centers. The cost of screening will be borne by the insurance company. |
Renewability | Lifelong renewability is available. |
Sum Insured | - Rs.1.5 lakh, Rs.2 lakh, Rs.3 lakh, Rs,4 lakh, Rs.5 lakh, Rs.10 lakh, and Rs.15 lakh
- Gold Plan: Rs.3 lakh, Rs,4 lakh, Rs.5 lakh, Rs.10 lakh, Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh
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Special Features | - Non - allopathic treatments are covered.
- Health check-up expenses are covered.
- Expenses that have been incurred for the treatment of cataract up to a certain limit are covered.
- Psychiatric and Psychosomatic Disorder
- Offers automatic restoration of sum insured.
- Offers Family Package plan.
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Policy Term | 1 year and 2 years and 3years |
Premiums | Premiums vary depending on sum assured, age, family size and zone. Depending on the plan, the premium ranges between Rs.4,015 and Rs.3,05,049. |
Co-payments | A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals. |
Star Advantages | - Hassle-free claim settlement.
- More than 6000 network hospitals
- Personalized E -health records.
- Cashless hospitalization.
- Free medical consultation over phone 24x7.
- Free storage facility for keeping medical records in electronic form.
- Direct in-house claims settlement. A third-party administrator is not needed.
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Add on Covers | - Patient Care
- Hospital Cash
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Benefits | - Get tax benefit for the amount paid as premium under section 80D of the Income Tax Act, 1961.
- A free look period of 15 days from the date of receipt of the policy is available to the insured person.
- Expenses for the treatment of a new-born baby.
- Inpatient hospitalization expenses covered
- Pre-hospitalization expenses covered up to 30 days.
- Post hospitalization expenses for a duration of 60 days from the date the individual has been discharged from the hospital.
- All day care procedures are covered.
- Certain diseases/ailments/illnesses come with a waiting period of 24 consecutive months.
- The policy offers portability. You can transfer your policy from one insurance provider to another.
- The policy offers portability. You can transfer your policy from one insurance provider to another.
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Exclusions | Some of the main exclusions under the policy are mentioned below: - Intentional self-injury.
- Sexually Transmitted Diseases apart from HIV.
- Injuries or diseases that are caused directly or indirectly from war, invasion or any acts of war.
- Use of intoxicating substance, smoking, drugs/alcohol, substance abuse, etc.
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