Star Health Hospital Cash Insurance Policy

Star Health Hospital Cash policy provides additional insurance coverage to take care of any incidental expenses incurred during hospitalization, such as on food, travelling, etc. It is designed to provide extra financial support to the policyholder to cover those medical expenses that are generally not covered under a regular health insurance policy.

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Star Health Hospital Cash Insurance Policy

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    Star Health Hospital Cash Policy Overview

    Star Health Hospital Cash plan provides a lump sum hospital cash benefit to the insured for the period of hospitalization resulting from sickness or accidental injuries. It offers six types of hospital cash benefits and the policy can be purchased over and above the regular health insurance policy.

    The Star Health Hospital Cash plan is available in two variants - Basic and Enhanced plan. While the basic plan offers a hospital cash benefit of Rs 1000/2000/3000 per day, the Enhanced plan Rs 3000/4000/5000 per day as the benefit. The number of hospital cash days ranges from 30 days to 180 days across both plan variants. The applicant can opt for any combination of hospital cash amount and number of hospital cash days as per his/her preference under individual and floater cover.

    Star Health Hospital Cash Policy Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    91 days (children)

    Maximum Entry Age

    65 years

    25 years (children)

    Plans Offered

    Basic Plan

    Enhanced Plan

    Coverage

    Individual/ Floater

    Hospital Cash Amount

    Basic Plan - Rs 1000/2000/3000 per day

    Enhanced Plan - Rs 3000/4000/5000 per day

    Number of Hospital Cash Days

    Basic Plan - 30/60/90/120/180 days

    Enhanced Plan - 90/120/180 days

    Policy Term

    1/2/3 years

    Pre-existing diseases waiting period

    2 years (Basic Plan)

    3 years (Enhanced Plan)

    Deductible

    1-day deductible (Under the Basic plan of sickness hospital cash)

    Key Features of Star Health Hospital Cash Policy

    Take a look at the various features and benefits of Star Health Hospital Cash Insurance:

    • It provides a lump sum hospital cash benefit to the policyholder.
    • It offers six types of hospital cash benefits.
    • It is available in two types of plan variants - Basic and Enhanced.
    • The coverage is available on an individual and floater basis.
    • It provides coverage for 10 day care procedures.
    • It comes with a 1-day deductible under the basic plan of Sickness Hospital Cash benefit.

    Inclusions of Star Health Hospital Cash Policy

    Star Health & Allied Insurance Co Ltd provides the following coverage under the Hospital Cash policy:

    • Sickness Hospital Cash
    • Accidental Hospital Cash - Coverage up to 150% of the hospital cash amount
    • ICU Hospital Cash - Coverage up to 200% of the hospital cash amount
    • Convalescence Hospital Cash - Offers 1-day extra hospital cash benefit after 5 consecutive days of hospitalization
    • Child Birth Hospital Cash
    • Worldwide Hospital Cash - Coverage for up to 200% of the hospital cash amount

    10 day care procedures are covered under all kinds of hospital cash benefits except for Convalescence Hospital Cash and Child Birth Hospital Cash. To know the list of covered day care procedures, refer to the Star Health Hospital Cash Insurance policy brochure.

    Exclusions of Star Health Hospital Cash Policy

    Any expenses arising out of the following are not covered by the Star Health Hospital Cash policy:

    • Intentional self-injury
    • Pregnancy and related complications, except under Child Birth Hospital Cash benefit
    • Use of intoxicating substances, including alcohol and drugs
    • Dental treatment or surgery
    • Plastic surgery
    • Weight control services
    • Injuries or illness directly resulting from nuclear materials/weapons
    • Sexually Transmitted Diseases (STDs) and venereal diseases

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