Objective

This policy aims to provide for both, inpatient and outpatient treatment.

Suited for

Anyone between 5 months and 60 years can be covered under this policy. It can be bought either on an individual basis or as a floater for family.

Pros

This policy can be bought online. Premium paid towards the policy qualifies for deduction under section 80D of Income Tax Act.

Cons

It extends the cover only up to 60 years of age.
Constant premium leaves no choice of selecting a higher or lower OPD cover.

Our View

Before buying, one must know the limit of outpatient benefit and inpatient cover under the policy. Though the premium remains same, the coverage is modified to justify the premium cost of Rs 15,000. Also, the outpatient cover is pre-decided by the insurance company that decreases with age due to an outflow of same premium. Hence one should ensure the adequacy of cover while taking such a policy.

What does it do?

It covers outpatient treatment along with hospitalisation expenses. Outpatient treatment includes dental treatment, prenatal and postnatal care expenses. Pre-existing diseases that are denied inpatient cover for initial four years, are covered for outpatient treatment from day one.
The policy charges same premium from individuals or family floater policies irrespective of the family size. Instead of changing premiums, the policy modifies the cover under each policy. There is a cap on maximum outpatient benefit that can be availed by a policyholder and other insured members (in case of floater policy) during a policy year. It also covers pre and post hospitalisation expenses and ambulance charges.

Eligibility

Entry Age (years)

Minimum

5 months

Maximum

60

Coverage Type

Individual/ Family floater

Policy Term (years)

1

Sum Insured (Rs)

Maximum

5 lakh

Minimum

1 lakh

Tax Benefit

Premium paid is eligible for tax benefit under section 80D of the Income Tax Act

Customer Service

Address

Star Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.

Mail to

support@starhealth.in, info@starhealth.in

Call to

1800 425 2255/ / 044 2826 3300

SMS

STAR to 56677

Scope Of Cover

Cashless facility

Available at empanelled network hospitals in India

Re-imbursement

Available

Pre hospitalisation

covers medical expenses upto 30 days prior to the hospitalisation

Post Hospitalisation

lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence

In-patient hospitalisation

Covered

Room rent, boarding

2% of Sum Insured subject to a maximum of Rs. 4,000 per day in Class A cities; 1% of Sum Insured subject to a maximum of Rs 3000 per day in class B cities and 1% of Sum Insured subject to a maximum of Rs 1000 per day in other cities

Nursing expenses, Cost of Blood, Oxygen, Pacemaker, cost of drugs and medicines

covered

Emergency Ambulance

Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period

Out-patient Treatment

Covered

Pre-existing diseases

Covered

dental expenses

Covered

prenatal and postnatal care

Covered

Exclusions and Waiting Period

for in patient cover

Pre existing diseases

Covered after 48 months

No claim period

Any disease contracted during the first 30 days of commencement of the policy

Waiting Period

Certain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 year.Certain diseases such as Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Varicose Veins, Ulcers etc. will be covered after a period of 2 yearsCosmetic or beauty related treatmentsNaturopathy treatment

for Out patient Cover

no exclusions