About Star Women Care Insurance Policy
The Star Women Care Insurance policy has been exclusively designed to meet the health needs of today’s women. This health insurance for women can also be purchased by pregnant women. It provides coverage for maternity-related benefits like delivery expenses, assisted reproduction treatment, in utero fetal surgery/repair, etc. besides regular hospitalization cover.
Star Women Care Insurance Policy: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹5 lakh to 1 crore |
| Pre-policy Medical Check-up | Not required |
| Pre-existing Diseases Waiting Period | 24 months |
| Discount | Up to 11.25% long term discount |
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Key Benefits of Star Women Care Insurance Policy
Star Women Care Insurance Policy Inclusions, Exclusions & Optional Cover
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In-patient ExpensesIt covers the expenses incurred on hospitalization of at least 24 hours, including boarding charges, room rent, and nursing expenses.
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Delivery ExpensesIt covers the cost of delivering a baby through normal or caesarean, including pre-natal and post-natal expenses, for up to a maximum of two deliveries in the lifetime of the policy.
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Newborn Baby CoverIt covers the medical expenses incurred in the treatment of the newborn baby, including the cost of hospitalization, vaccination, metabolic screening and paediatrician consultation.
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Star Mother CoverIt covers the cost of a single private AC room in a hospital for the stay of the mother in case the insured child of less than 12 years is admitted to the ICU.
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Day Care ProceduresIt covers the medical expenses incurred on all day care treatments that require less than 24 hours of hospitalization.
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Non-medical ItemsIt covers the cost of listed non-medical items used while staying at the hospital.
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Cost of Dietary Supplements and SubstancesIt excludes the costs of dietary supplements like vitamins, minerals, etc., that can be purchased without a prescription.
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Congenital External AnomaliesIt does not cover treatments for removing physical abnormalities present from birth.
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Dental TreatmentIt does not pay for dental surgeries or treatments incurred by the insured.
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Obesity and Weight Control TreatmentsIt does not include weight management treatments or fat loss surgeries, unless advised by the doctor.
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Cosmetic or Plastic SurgeryIt excludes the expenses incurred on cosmetic treatments solely for the purpose of beautification.
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Treatment of Alcoholism or Drug AddictionIt does not cover expenses incurred to cure alcoholism, drug abuse, and other addictive conditions.
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Cancer CoverIt provides a lump sum amount to the policyholder on the first diagnosis of cancer. This coverage is available once in the lifetime of the policy to insured females.
Star Women Care Insurance Policy Waiting Periods
| Categories | Waiting Period |
|---|---|
| Pre-existing Diseases Waiting Period | 24 months |
| Initial Waiting Period | 30 days |
| Specific Illness Waiting Period | 24 months |
| Delivery Expenses | 12 months (For a sum insured of up to Rs 10 lakh) 24 months (For a sum insured of Rs 15 lakh 7 above) |
| Assisted Reproduction Treatment | 36 months |
| Ante Natal Care | 12 months (For a sum insured of up to Rs 10 lakh) 24 months (For a sum insured of Rs 15 lakh 7 above) |
| In Utero Fetal Surgery/ Repair | 12 months (For a sum insured of up to Rs 10 lakh) 24 months (For a sum insured of Rs 15 lakh 7 above) |
| Miscarriage Due to Accident | 12 months (For a sum insured of up to Rs 10 lakh) 24 months (For a sum insured of Rs 15 lakh 7 above) |
| Bariatric Surgery | 24 months |
| Voluntary Sterilization | 24 months |
| Cancer Cover | 180 days |
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Star Women Care Insurance Policy: FAQs
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Q: Which health insurance company has launched the Star Women Care Insurance policy?
Ans: The Star Health & Allied Insurance Company had launched the Star Women Care Insurance policy.
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Q: Can pregnant women buy the Star Women Care Insurance policy?
Ans: Yes. Pregnant women can buy the Star Women Care Insurance policy on submitting their scan reports during their 12th and 20th week of pregnancy.
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Q: What is the Star Women Care Insurance policy minimum age?
Ans: The minimum age to buy a Star Women Care Insurance policy is 18 years for adults and 91 days for children.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Star Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Star Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Star Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Star Health policy
- The network hospital will send the hospital bill to Star Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
