Health

who can take the insurance ?

• Any person between 5 months and 65 years age at the time of entry can take this insurance.
• This policy is on Floater basis. Family for the purpose of this policy means self,spouse and dependent children.

Policy benefits.

• Hospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
• Post Hospitalization expenses up to 60 days after discharge from the hospital.
• 101 Day-care treatments covered.

Pre-Existing Disease/illness:

• Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

Automatic Restoration of Sum insured for Section 1 benefit only.

• In the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and the policy has not yet expired then the automatic restoration of Sum Insured will operate and the sum insured will be restored to the original amount i.e. 100% only once. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made.

Bonus: Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum inusred shall not be reduced.

Pre- Acceptance medical screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers.Cost of which is currently borne by the Company.

How much to pay ?

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Tax Benefits: 

• Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free look period:  A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening , stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.Free look cancellation is not applicable at the time of renewal. 

Star Advantage:

No Third Party Administrator - direct in - house claims settlement. Faster and hassle-free claim settlement. Cashless hospitalization. Network of more than 5400 hospitals across India. Free expert medical consultation over phone 24 x 7 Toll Free Helpline. Free storage facility for storing medical records in electronic form. For details contact toll free no 1800 425 2255 / 1800 102 447. NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health office or call toll free no 1800 425 2255 / 1800 102 4477.