Objective

An online health insurance policy which aims to protect insured member(s) from expenses incurred on treatment taken as an inpatient along with several other benefits available for extra price.

Suited for

Anyone between 5 and 80 years (65 years for a Rs 10 lakh cover) is eligible to buy this policy on individual or floater basis.

What does it do?

This policy can be bought for an individual, a family floater or a group. Group policy can avail a discount on premium if bought for more than 500 persons. It provides for hospitalisation expenses with sub-limits on room rent and boarding, pre and post hospitalisation expenses and ambulance charges.
Policyholder can widen the cover by opting for other benefits by paying extra premium. Optional benefits include daily cash benefit, patient care for persons above 65 years and newborn baby cover. This policy also covers non-allopathic treatment.

Pros

It covers non-allopathic treatment as well.
The policy can provide cover up to Rs 10 lakh.
This policy allows a 5 per cent discount if it's purchased online.
It provides a no-claim discount for every claim-free year.
Group policies avail a discount on premium.
Premium paid towards this policy can be availed as deduction under section 80D of IT Act.

Cons

Room rent and boarding charges are capped.
Family floater policy is available for a sum insured up to Rs 3 lakh only.

Our View

This is a good policy that also covers non-allopathic treatment. Policyholders can customise the policy by adding supplementary benefits. For instance, patient care benefit pays a daily cash amount for nursing charges, which is useful.The only drawback is the capping on room rent and boarding. Even though it does not offer a lifelong policy renewal, 80 years is a long enough tenure

Eligibility

Entry Age (years)

Minimum

5 months

Maximum

80 (65 for Rs 10 lakh Sum Insured)

Maximum Policy Renewal Age (years)

80 (65 for Rs 10 lakh Sum Insured)

Policy Term (years)

1

Sum Insured (Rs)

Maximum

10 lakh

Minimum

50000

Tax Benefit

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

Discount

5-25% for each claim free year except for Family Package Plan
5% for online purchase

Pre Policy Medical Check Up

Mandatory for persons above 50 years of age at cost of the company

Policy Termination

Either of insurance cpmpany or policyholder may terminate the policy by giving a 30 day notice.

Customer Service

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

Customer Service

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 hospitals in India

Re-imbursement

Available at non empanelled network of hospitals

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

2% of sum insured, subject to a maximum of Rs.4000/- per day

nursing expenses, Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees, Cost of medicines and drugs

Covered

Emergency Ambulance

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

Non Allopathic Treatment

Covered upto maximum of 25% of Sum Insured subject to a maximum of Rs 25000 per policy year

Optional Cover (payment of additional premium required)

Hospital Cash

Rs 500 per day; maximum Rs 1500 per hospitalisation; maximum Rs 3000 per policy year

Patient Care (for persons above 65 years of age)

Pays attendant charges after discharge @ Rs 400 per day upto maximum of 5 days per hospitalisation

New born baby (upto 5 months)

Covered for 10% of Sum Insured in respect of mother

Exclusions and Waiting Period

Pre existing diseases

Any pre-existing disease will be covered after 4 years

No claim period

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

New Born Baby Cover

Post natal and immunization expenses

Waiting Period

2 days for Patient CareCertain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 year.Certain diseases such as Cataract, treatment of joints unless caused by an accident, varicose veins etc will be covered after 2 years

General Exclusions

Naturopathy treatmentCosmetic, beauty or slimming treatment