Star Health Assure Insurance Policy
IRDAI UIN : SHAHLIP23131V022223
HIGHLIGHTS
Plan Essentials
Wide Cover
Mid-Term Inclusion
Delivery Expenses
New Born Cover
Automatic Restoration of Sum Insured
Home Care Treatment
Chronic Severe Refractory Asthma
Assisted Reproduction Treatment
DETAILED LIST
Understand what’s included
IMPORTANT HIGHLIGHTS
Policy TypeThis policy can be availed either on an Individual or Floater basis. |
Individual Entry AgeAny person aged between 91 days and 75 years can avail this policy on an Individual basis. |
Floater Entry AgeAny person aged between 18 and 75 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 16 days and 17 years are covered. |
Medical ExaminationNo pre-medical check-up is required to avail this policy. However, those who declare adverse medical history may be subjected to pre-medical check-up at Company's cost. |
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 180 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 per day for Rs. 5 lakh Sum Insured; any room (except suite or above category) for Rs. 10/15/20/25 lakh Sum Insured options; and any room for Rs. 50/75/100/200 lakh Sum Insured options. |
Shared AccommodationExpenses incurred on occupying a shared accommodation by the insured person are covered up to the limits mentioned in the policy clause. |
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 (if it is in the same city). |
Air AmbulanceAir ambulance expenses are covered up to 10% of the Sum Insured per policy year, provided the situation requires an immediate hospitalisation of the insured person and ground transportation cannot be provided. |
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. |
Modern TreatmentExpenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the Sum Insured. |
Organ Donor ExpensesIn-patient hospitalisation 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. |
Rehabilitation & Pain ManagementExpenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 20% of the Sum Insured whichever is less, per policy year. |
AYUSH TreatmentExpenses incurred for the treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured. |
Compassionate TravelThe air transportation expenses incurred up to Rs. 10,000/- are payable for an immediate family member to travel to the hospital in case of hospitalisation of the insured person for life-threatening emergency times, at the place away from insured’s usual place of residence. |
Repatriation of Mortal RemainsThe expenses incurred for the repatriation of mortal remains of the insured person are covered up to Rs. 15,000/- in a policy year. |
In Utero Fetal Surgery / InterventionExpenses incurred for In Utero Fetal surgeries and procedures mentioned in this policy are covered with a waiting period. Note: The above-mentioned waiting periods will not apply for the treatment related to congenital Internal disease/defects for the Unborn. |
Treatment in Valuable Service Providers NetworkIn the event of hospitalisation in Valuable Service Provider, then a lump-sum of 1% of the Sum Insured subject to a maximum of Rs. 5,000/- per policy period is provided. |
Cumulative BonusCumulative bonus is provided at 25% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured. |
Deductible - Optional CoverInsured person can avail premium discount if he/she choose any of the deductibles as mentioned in this policy. |
Co-PaymentIf the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount. |
Health Check-Up AssureHealth check-up expenses are covered up to the specified limits for each policy year irrespective of the claim. |
Second Medical OpinionThe Insured person can avail a Second Medical Opinion from a Doctor in the Company's network of medical practitioners. |
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 points can be utilised for availing renewal discounts up to a maximum of 20%. |
Waiting Period1. For Pre-Existing Diseases (3 year term) - 30 months
2. For Pre-Existing Diseases (1 and 2 year term) - 36 months
3. For Specific Diseases/Procedures - 24 months
Initial Waiting Period - 30 days |
Instalment OptionsThe policy premium can be paid on a monthly, 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 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.
‘Happily Insured!’ with Star Health
We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
Tiji K Oommen
Thiruvananthapuram
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Vanishree
Bengaluru
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Ramachandran
Chennai
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Shaila Ganachari
Mumbai
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Sudhir Bhaiji
Indore
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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 Health Assure Insurance Policy
What is the Star Health Assure Insurance Policy?
Star Health Assure Insurance Policy is a 360-degree health insurance plan that provides broad coverage for self, spouse, parents, dependent children, and parents-in-law. It is a unique indemnity health insurance product offering extensive medical coverage to individuals and families by refilling their exhausted sum insured automatically for unlimited times in a policy year.
Star Health Assure Insurance Policy can be availed either on an individual or a floater basis and covers hospitalisation expenses due to injuries, accidents, and illnesses. The policy offers multiple sum insured options from Rs. 5 lakh to Rs. 2 crore based on the customer requirements.
Some of the key highlights of Star Health Assure Insurance Policy includes a wellness discount of 20% on renewal premiums and no room rent limit for a sum insured of Rs. 10 lakh and above.
The policyholder will get lifelong renewability and there is an automatic restoration of sum insured for unlimited number of times in a particular policy year.
Benefits of Having a Star Health Assure Insurance Policy
Star Health Assure Insurance Policy acts as a protective shield that presents a plethora of benefits to its customers. It is an ideal health plan which requires no pre-medical check-ups to buy the policy.
Here are some of the features and benefits of Star Health Assure Insurance Policy:
- The policy covers the expenses that are incurred, such as doctor’s fees, hospital room, nursing assistance, etc., in case you have at least 24 hours of hospitalisation.
- Non-medical items, such as gloves, masks, oxygen cylinders, etc., are also covered in this plan.
- Air ambulance services, emergency road ambulance, and delivery expenses are covered under the policy.
- Assisted reproduction treatment, home care treatment, chronic severe refractory asthma cover, daycare procedure expenses, and domiciliary hospitalisation make Star Health Assure Insurance Policy an effective health insurance plan.
- The policy provides a premium discount of over 55% if the insured opts for a voluntary deductible of Rs. 50,000 or Rs. 1 lakh, depending on the sum insured.
- Under the Health Check-up Assure benefit, this policy pays for your preventive health check-ups every year.
- The cumulative bonus increases the sum insured of the policy by 25% for each claim-free year, up to a maximum increase of 100%.
Exclusions of Star Health Assure Insurance Policy
Though the Star Health Assure Insurance policy comes with multiple benefits, the plan excludes the following expenses:
- Obesity and weight control treatments
- Vaccination or inoculation
- Treatment for alcohol or drug addiction
- Intentional self-injury
- Sterility and infertility Treatments taken outside India
- Treatment for injuries obtained on participating in adventure or hazardous sports
- Congenital external defects
- Cosmetic or plastic surgery
- Unproven treatments
- Dietary supplements and substances
Star Health Assure Insurance Policy provides diverse types of additional advantages to its customers. Choose this plan and reap lifetime benefits!
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