Sum InsuredThe Sum Insured options under this policy are Rs.10,00,000/-, Rs.20,00,000/-, Rs.30,00,000/-, Rs.50,00,000/-, Rs75,00,000/- and Rs.1,00,00,000/-. However, the Sum Insured of Rs.75,00,000/- and Rs.1,00,00,000/- can be availed by people aged up to 65 years only. This is applicable only at the time of inception of this policy. |
Policy TermThis policy can be availed for a term of one, two or three years. |
Pre-Acceptance Medical ScreeningPre-acceptance medical screening is not required to avail this policy irrespective of the age and Sum Insured opted. |
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses incurred up to 90 days from the date of discharge from the hospital are covered. |
Room RentRoom, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 1% of the Sum Insured or to the maximum of Rs. 20,000 per day. |
Home Care TreatmentExpenses incurred on home care treatment for specified conditions are covered up to 10% of the Sum Insured subject to maximum of Rs. 5 Lakh in a policy year. The insured person can avail this service either on a cashless or reimbursement basis. |
Coverage for Non-medical ItemsIf there is an admissible claim under the policy, then non-medical items specified in this policy will become payable. |
Road AmbulanceThis policy covers ambulance charges for admission in hospital, for shifting from one hospitals to another for better medical treatment and from hospital to residence. |
Air AmbulanceAir ambulance expenses are covered up to Rs. 2.5 lakh per hospitalisation to the maximum of up to Rs. 5 lakh per policy period. |
Domiciliary HospitalisationExpenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days are covered. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Organ Donor ExpensesIn-patient hospitalization expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable. In addition, the expenses incurred by the Donor, (if any) for the complications that necessitate a Redo Surgery / ICU admission will be covered. |
Hospice CarePayable up to 10% of the sum insured subject to a maximum of Rs.5 lakhs, if availed at our Networked facility. This cover is available after a waiting period of 24 months from the inception of the policy. |
Rehabilitation & Pain ManagementExpenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured whichever is less, per policy period. |
AYUSH TreatmentIn-patient hospitalisation expenses incurred for the treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured. |
Bariatric SurgeryExpenses incurred on hospitalisation for Bariatric surgical procedures are covered up to the limits mentioned in the policy clause. |
Modern TreatmentExpenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to 50% of the Sum Insured specified in the policy schedule. |
Cumulative BonusCumulative bonus is provided at 20% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured. |
Co-paymentApplicable for Insured persons whose age at the time of entry is above 65 years. Each and every claim under the Policy shall be subject to a Co-payment of 20% applicable to claim amount admissible and payable as per the terms and conditions of the Policy. |
Health Check-UpHealth check-up expenses are covered up to the specified limits for every claim-free year. |
Instalment OptionsThe policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis. This facility is not available for long-term (2 & 3 year term) options. |
Star Wellness ProgramWellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts up to a maximum of 10%. |
Family DiscountWhen two adults are covered under the policy on a Floater basis Sum Insured, then a 40% discount on the premium is available as a floater discount for the younger member. |
Young Age DiscountFor adults aged 50 years and above, if the spouse is aged less than 50 years, then a family floater cover can be offered considering the premium of age 50 years discounted by 10% for the spouse. |
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Health insurance for individuals over 50 years is paramount, given the increasing health risks and medical needs associated with ageing. Star Health Premier Insurance Policy has been devised as the result of our meticulous research to provide the much needed protection to the individuals who are aged 50 years and above along with their dependent children, offering an extensive suite of key benefits to address their particular health concerns without any pre-medical screenings.
With Sum Insured options from Rs. 10 Lakhs to Rs. 1 Crore, an individual can get complete shielding against accident and sickness related hospitalizations.
Expenses incurred towards pre & post hospitalization expenses and treatment for all day care procedures including cataract can be covered under this policy.
Organ donor expenses and coverage for alternative treatments such as Ayurveda, Unani, Siddha and Homeopathy can be covered up to the chosen Sum Insured.
With Star Health Premier, expenses of the listed modern and home care treatments can be covered effortlessly.
This plan gives out-and-out care to the Insured with Rehabilitation & Pain Management cover, Hospice care, Out-patient consultation expenses and health check-up benefits.
Star Health Premier Insurance Policy provides shield for road & air ambulance services, non-medical items, domiciliary hospitalizations as well.
Access to Star Wellness Programs focusing on diet and exercise ensures healthy living of the Insured which can be used in availing discounts in the premium during renewals.
Multiple other benefits such as Automatic Restoration of Sum Insured, No Claim Bonus, younger age discounts and discounts on submission of medical reports makes this policy highly beneficial for every individual who wishes to age healthy by staying worry-free from all healthcare eventualities.