Objective

This policy aims to provide for hospitalisation expenses and pays a lump sum for critical illnesses covered herein.

Suited for

Anyone between 18 and 65 years of age can buy this policy.

What does it do?

This is a triple-benefit policy that covers medical expenses for non-allopathic treatments, treatments taken in a hospital and any stated critical illness. All benefits have been capped to certain limits.

Pros

It offers a family discount on including two or more members under the same policy.Premium paid under the policy qualifies for deduction under section 80D of Income Tax Act. It covers non-allopathic treatment expenses as well.

Cons

The policy covers only up to 70 years of age.There is a co-payment clause for those entering between age 60 and 65.

Our View

Each benefit is capped to sub-limits. Policyholder should look for policies without limits. Even senior citizens should go for plans specially designed for them to enjoy a wider coverage till lifetime.

Eligibility

Entry Age (years)

Minimum

18

Maximum

65

Maximum Policy Renewal Age (years)

70

Coverage Type

Individual

Policy Term (years)

1

Sum Insured (Rs)

Maximum

2 lakh (for senior citizens); 10 lakh for others

Minimum

2 lakh

Tax Benefit

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

Discount

Family discount of 5% upto 2 members and 10% for more than 2 members

Grace Period for Policy Renewal

15 days

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 (24 hour helpline) / 044 2826 3300

SMS

STAR to 56677

Scope Of Cover

Cashless facility

Available at empanelled network hospitals in India

Re-imbursement

Available if treatment taken at any non empanelled non network hospital

Pre hospitalisation

Covered; upto maximum of 30 days prior to hospitalisation

Post Hospitalisation

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

In-patient hospitalisation

Covered

Room rent, boarding, Nursing expenses

covered @ 2% of Sum Insured upto a maximum of Rs. 4,000 per day

Cost of medicines and Drugs, Fees for Doctor / Surgeon / Consultant / Anesthetist

covered

Emergency Ambulance

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

Non Allopathic Treatments

Covered upto 25% of Sum Insured per occurrence subject to maximum of Rs 25000 per policy period

Additional Cover

Pays a lumpsum on diagnosis of major disease for the first time

Cerebrovascular Accident/ Cardio vascular disease/ cancer and Breakage of bones, Renal Complications

Covered (maximum upto Rs 1.50 lakh for entry age between 60-65)

Hepatoma, Brain Tumour

covered (maximum upto Rs 1.20 lakh for entry age between 60-65)

Major Organ Transplant

Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25%

Established irreversible Coma

Established irreversible Paraplegia

Established irreversible Quadriplegia

Out-patient Treatment

Not Covered

Exclusions and Waiting Period

Pre existing diseases

Covered after 48 months (for basic cover only)

No claim period

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

Waiting Period

90 days from date of inception of policy in case of major illnesses cover.certain diseases such as cataract, varicose veins and varicose ulcers etc will be covered after 2 years.Certain diseases such as hernia, piles sinusitis etc. shall be covered after 1 year.

Co-payment

30% of each and every admissible claim for entry age between 60 and 65 years(except for major illnesses cover)

General Exclusions

Cosmetic or beauty related treatmentsNaturopathy treatment