Star Unique Health Insurance Plan

It is an online health insurance policy that offers cover for pre-existing diseases within 11 months.

Features & Benefits of Star Unique Health Insurance:

Entry age Minimum age: 18 years Maximum age: 65 years
Maximum age for renewal No exit age for the plan. Renewals can be made beyond 65 years.
Policy term 2 year
Type of plan Individual
Sum Insured Minimum- Rs.1 lakh Maximum- Rs.3 lakh
  • Hospital room rent and boarding expenses
  • Cost of blood, oxygen, anesthesia
  • Cost of diagnostic materials and x-ray
  • Chemotherapy
  • Radiotherapy
  • Pre hospitalisation expenses
  • Post hospitalisation expenses
  • Emergency ambulance charges
  • Cost of medicines and drugs
  • Doctor’s fee
Key features
  • Coverage for both in-patient and out-patient treatment under one policy
  • Pre-existing diseases are covered after 11 months
  • Covers HIV positive persons with minimum CD 4 count
  • Offers cover for non-allopathic treatment
  • Easy documentation
  • Hassle free claim settlement
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Tax benefits
  • Specific day care procedures
  • Cashless facility available
  • Cover for HIV
Co-payment 30% of admissible claim amount, in respect of each and every claim
Tax benefits Tax benefits 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 they can seek cancellation of the policy and in such event the company will allow refund of premium after adjusting the cost of the expenses incurred at the time of .
  • Any treatment within the first 30 days of the policy
  • First 2 years exclusion on cataract, hysterectomy, varicose veins and ulcers, chronic kidney disease, etc.
  • Cosmetic procedures
  • Naturopathy treatment
  • 4-year exclusion on cancer, bone marrow transplant, cirrhosis of liver, retinal detachment, chronic kidney disease

Read terms, conditions and exclusions mentioned in the policy document.

Find cashless network hospitals nearby: Star Health Network Hospitals

Other Health Insurance Plans from Star Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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