Policy Features

YOUNG STAR INSURANCE POLICY

ABOUT THE POLICY
• This is an indemnity policy available for Youngsters.

POLICY TYPE
• For Individuals & Family.

ENTRY AGE.
• 18 years-40 year
• For Adults: 18 years-40 years (Family Size-2 Adults 3 Dependent Children)
• For Dependent Children: 91days-25 years.

MIDTERM INCLUSION
• Available for including newly married spouse and/or legally adopted child (Intimation should be given within 45 days from the date of marriage or date of adoption)
• New Born on paying additional premium (Intimation should be given within 90 days from D.O.B)

RENEWAL
• Available-Lifelong

POLICY TERM
• One Year, Two Years & Three Years

PREMIUM PAYMENT OPTION
• Quarterly/Half-Yearly Yearly/Once in 2 Years/ Once in 3 Years

PRE – MEDICAL SCREENING
• Not required

SUM INSURED (LAKHS)
• 3L/5L/10L/15L/20L/25L/SOL/75L/100L (3 Lakhs sum insured is not available for Floater)

PLAN OPTIONS
• SILVER PLAN
• GOLDEN PLAN

COVERAGE
IN PATIENT HOSPITALIZATION
• Room - Single Private AC Room

DAY CARE PROCEDURES
• All day care procedures are covered (Actuals)

PRE & POST HOSPITALIZATION
• 60 Days & 90 Days

ROAD AMBULANCE
• Covered (Actuals) (i) for transportation to hospital (ii) from one hospital to other hospital

E- MEDICAL OPINION
• Available from the Company's expert panel mail id e medical.opinion@starhealth.in

HEALTH CHECK- UP (Available after each policy year)
Sum insured:- 3 lakhs 5 lakhs 10 lakhs 15 lakhs & above
Individual Cover:- 1.500 2,000 3,000 3,500
Floater Cover:- N.A 3,000 4,000 5,000

AUTOMATIC RESTORATION (up to 100% once in every policy year)
• Restoration triggers upon partial/full utilization of limit of cover
• (Limit of Cover Basic sum insured +NCB)
• Restored sum insured can be utilized for all claims (for subsequent hospitalizations)
• The maximum liability in a Single claim will be up to the limit of cover

NO CLAIM BONUS
• 20% for each claim free year subject to a maximum of 100%

ADDITIONAL COVER FOR RTA
• In case of RTA, 25% of sum insured (or) max up to Rs 10 Lakhs

STAR WELLNESS PROGRAM (For insured aged => 18 years)
• Star Wellness Program (for Insured aged 18 years)
• (Retail). The Insured can earn reward points and avail premium discount up to 10% on the
renewal premium by enrolling and achieving the wellness goals

DISCOUNT FOR EARLY ENTRY
• If entered before 36 years, continued the policy, from 41 years age 10% discount will be given. Lifelong available

DELIVERY EXPENSE (GOLD PLAN)
• Covered-Up to Rs.30,000 per delivery (Waiting period-36 months for 1st delivery & 24 months for 2nd delivery)

HOSPITAL CASH BENEFIT (GOLD PLAN)
• Rs. 1,000 per day. Maximum 7days per admission, 14 days per policy period

MODERN TREATMENT
• Based on the Sum insured chosen limits differ, refer policy wording for further details

WAITING PERIOD
INITIAL WAITING PERIOD
• 30 days (not applicable for Accidents)

FOR SPECIFIC DISEASES
• 12 Months
(a) Diseases of ENT and Thyroid
(b) All types of Hydrocele, Hernia, Vericocele, Piles, Fistula and Fissure in Ano
(c) Diseases of Female Reproductive System
(d) Calculus diseases of the Gall Bladder, Kidney and Urinary Tract

FOR PRE- EXISTING DISEASES
• 12 Months