Star Extra Protect - Add on Cover
IRDAI UIN: SHAHLIA23061V012223
HIGHLIGHTS
Plan Essentials
Add on Cover
Eligibility
Policy Term
Age & Family Size
DETAILED LIST
Understand what’s included
SECTION I
Enhanced Room RentThis cover enhances the room, boarding and nursing expenses as per the limits mentioned in the policy clause. |
Claim Guard (Coverage for Non-medical Items)If there is an admissible claim under the base policy, then the expenses for non-medical items specified in this Add on Cover will become payable.
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Enhanced Limit for Modern TreatmentsIf the modern treatments that are listed in the policy clause are covered in the base policy, then such treatments are covered up to the Sum Insured of the basic policy. |
Enhanced Limit for AYUSH TreatmentThe in-patient hospitalisation expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured of the base policy. |
Home Care TreatmentExpenses incurred on home care treatment for the specified conditions as mentioned in the policy clause are covered up to 10% of the Sum Insured of the base policy subject to the maximum of Rs. 5,00,000/- in a policy year. |
Bonus Guard1) The Cumulative Bonus granted under the base policy will not be reduced at the time of renewal unless the bonus is utilised.
2) On full utilisation of the Sum Insured and nil utilisation of the Cumulative bonus, the Cumulative Bonus granted under the base policy at the time of renewal will not be reduced.
3) On full utilisation of the Sum Insured and partial utilisation of the Cumulative Bonus, the Cumulative Bonus granted under the base policy at the time of renewal will be the balance Cumulative Bonus available.
4) On full utilisation of the Sum Insured and Cumulative Bonus, the Cumulative Bonus granted under the base policy on renewal will be nil. |
SECTION II
Option to Choose Aggregate DeductibleDiscount on premium is available if the insured person chooses any of the deductible listed in the policy clause. |
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
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My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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Star Extra Protect - Add on Cover (UIN: SHAHLIA23061V012223)
It is always said - ‘A little extra makes all the difference’. Star Health believes in the same and hence came out with ‘Star Extra Protect – Add on Cover’ which enhances the limits of existing covers in addition to offering new features to the Base Policy.
Customers having Rs. 10 Lakhs and above Sum Insured with Family Health Optima Insurance Plan/ Star Comprehensive Insurance Policy/ Medi Classic Insurance Policy (Individual) as a base plan can buy this policy for additional coverage over and above the base Sum Insured.
Features of Star Extra Protect-Add on Cover
This plan has 2 sections of covers in it. The Insured can avail either or both of the sections. Section I covers:
- Customers can avail Any Room (except suite or above category) with Sum Insured from Rs. 10 Lakhs to Rs. 20 Lakhs in the base policy and Any Room with above Rs. 20 Lakhs Sum Insured in the base policy during admissible in-patient hospitalizations
- The policy holder gets coverage for non-medical/consumable expenses if there is an admissible claim in the base policy
- This plan enhances the limit of modern treatment making it cover up to the Sum Insured of the base policy
- Treatment expenses under AYUSH can be covered up to the base Sum Insured
- Home care treatments can be covered up to 10% of sum insured of the Base Policy, subject to maximum of Rs.5,00,000/- in a policy year
- During an event of a claim, this cover protects the cumulative bonus from getting reduced at the time of renewals unless utilized.
Section II is the option to choose Aggregate Deductible for getting up to 30% discount in the premium.
Get Star Extra Protect-Add on Cover now to enhance your protection and restore your happiness.
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