What is Recharge Benefit Under Star Health Insurance Plans?

Star Health Insurance plans cover the insured against a range of medical expenses preventing a financial burden. But that’s not all. Health plans by Star Health & Allied Insurance Company also offer a variety of benefits, including cashless hospitalization, free preventive health check-up, tax benefit and recharge benefit. Read on to know everything about the recharge benefit under Star Health Insurance plans.

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    Recharge Benefit Under Star Health Insurance

    The Star Health Insurance recharge benefit allows people to refill their sum insured amount upon exhaustion during the same policy year. It enables policyholders to refill the coverage amount under their Star Health Insurance plans for the remaining policy period in case the original sum insured amount gets exhausted. This benefit also gets activated if the claim amount exceeds the original sum insured.

    However, the recharge limit varies from one Star health insurance policy to another. For example, the Star Family Health Optima Insurance plan will recharge your sum insured for up to 30% of the total sum insured amount under the recharge benefit. Therefore, you must check the terms and conditions of the policy carefully before buying.

    At present, two Star Health Insurance plans offer the recharge benefit. The first one is the Star Family Health Optima Insurance plan, which is a family floater plan. The second one is the Star Super Surplus Insurance plan, which is a top-up insurance plan.

    Conditions Applicable to Recharge Benefit Under Star Health Insurance Plans

    Take a look at the various conditions applicable to the recharge benefit under Star Health Insurance plans:

    • The recharge benefit is only available once during the policy year.
    • The sum insured should get fully exhausted for the recharge benefit to get activated.
    • The sum insured provided under the recharge benefit can be used for the hospitalization or treatment of the same disease/injury for which the claim was raised.
    • This recharged sum insured cannot be used to claim modern treatment expenses.
    • The recharge benefit under Star Health Insurance plans is available for free and thus, does not increase your premium amount.
    • The unutilized recharged coverage amount cannot be carried forward to the next year’s sum insured during renewal.

    Why Do You Need Recharge Benefit Under Star Health Insurance Plans?

    The recharge benefit is extremely useful for people with family floater plans. This is because a single sum insured is used by the whole family under floater plans. As a result, the chances of the sum insured getting exhausted and not being available for other family members are high. 

    But with the recharge benefit, families get an option to refill their sum insured amount for no additional cost so that other family members can use it when required. Hence, recharge benefit is a must for people opting for family floater plans offered by Star Health & Allied Insurance Company.

    Summing It Up

    Star Health & Allied Insurance Company offer several competitive health insurance plans at an affordable rate. However, buying a plan that comes with the recharge benefit is a great idea, especially if you opt for a floater cover. Just make sure to go through the terms and conditions of the recharge benefit carefully before buying the policy.

    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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