Policy Features

STAR COMPREHENSIVE INSURANCE POLICY

• No cap on room rent and treatment cost.

• Covers medical expenses incurred on Bariatric surgical procedures and its complications.

• Air ambulance assistance, Second medical opinion are covered.

• Cost of health check up for every block of claim free years.

• Cover for maternity (normal and caesarean delivery) and New born baby.

• Automatic restoration of the entire Sum insured by 100%.

• Dental / ophthalmic cover on OPD basis.

• Hospital cash benefit.

• Cover for all day care procedures.

• Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

Section 1:

• Hospitalization cover protects the insured for inpatient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.

• Ambulance charges for emergency transportation to hospital as per specified limits.

• Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.

• Pre hospitalization expenses up to 60 days prior to admission in the hospital

• Post hospitalization expenses up to 90 days after discharge from the hospital

• Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits

• Coverage for Domiciliary hospitalization for a period exceeding three days.

Section 2:

• Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.

• Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)

• Vaccination expenses for the New Born up to Rs.1000/- payable.

Section 3: Outpatient Dental, Ophthalmic treatment

• Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.

Section 4: Hospital Cash

• Hospital cash benefit for each completed day of hospitalization.

*Section 5: Health Check up

• Cost of Health Check-up once after a block of every claim-free years

Section 6: Bariatric Surgery

• Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period.

• This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.

• Claim under this section shall be processed only on a cashless basis.

• Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force

Section 7: Accidental Death and Permanent Total Disablement

• Cover against Accidental Death

• The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident

• The sum insured for this section is equal to the sum insured opted for the Health insurance.

Section 8: Option for Second Medical Opinion

• The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners

• Medical records can be sent to the mail id e_medicalopinion@starhealth.in

Automatic Restoration of Sum Insured (Applicable for Section 1 Only)

• Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made.

• Such restoration will be available for section 1 other than Section 1G.

Bonus:

Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given. And above 7.5 Lac coverage we will give you 100% NCB next year.

STAR ADVANTAGE

• No third Party Administrator, direct in-house claim settlement.

• Faster & hassle-free claim settlement.

• Cashless hospitalization wherever possible.

• Network of more than 8400+ hospitals across India.

• 24x7 Toll Free Helpline.

• Information on health through free health magazine.

• Facility for maintaining personal health records in electronic format.