Star Comprehensive Health Insurance for Maternity

Star Comprehensive Insurance Policy is an all-inclusive health plan with maternity cover. In addition to basic medical insurance benefit, this plan offers some unique coverage benefits to the insured. The entire family can be covered under this one plan, and expecting parents can buy this to get newborn baby cover as well. With no-capping and sub-limits and health insurance cover up to Rs 1 Crore, this health plan is surely a suitable option for many people.

Star Health Network Hospitals	9900+
Renewability	Lifelong
Number of Claims Settled	4.9 million
Claim Settlement Ratio	90%

Key Features of Star Comprehensive Health Insurance for Maternity

Wide Sum Insured Options- Rs 5 Lakh to Rs 1 Crore
Co-Payment- No co-payment is required up to 60 years of age. 10% of co-payment is applicable only after 61 years of age
Pre-existing Illnesses- If you have any pre-existing illnesses, they should be covered after the completion of the given waiting period
Lifelong Renewability- Star medical insurance plans offer lifetime renewability and cover you throughout your life
Cashless Hospitalization- Without spending a penny from your pocket you can get the best treatment in more than 9900 registered hospitals

Eligibility Criteria:

Individuals within the age group of 18 years to 65 years can get insured under this comprehensive insurance plan. Dependent children who are within the age group of 3 months to 25 years can also get insurance benefits along with their parents.

Inclusions of Star Comprehensive Health Insurance for Maternity

Pre-hospitalization: Pre-hospitalization expenses up to 60 days before getting admitted into the hospital
Hospitalization Expenses: Room rent charges, nursing and boarding expenses as per the specified limits. It also covers the fees charged by a surgeon, anaesthetist, medical practitioner, consultants, and specialist. Expenses incurred on diagnostic procedures, oxygen, operation theatre, medicines, and Pacemaker
Ambulance Charges: Emergency ambulance transportation charges are also covered
Maternity Cover- Both normal and cesarean delivery hospitalization is covered
Newborn baby Insurance: Newborn baby cover including vaccination up to a specified limit
Organ Donor Expenses: Organ donor expenses are covered up to a specified limit
Emergency Air ambulance: Air ambulance charges can also be covered
Post-hospitalization expenses: Post-hospitalization expenses incurred after 90 days of the discharge from the hospital
Domiciliary hospitalization: Domiciliary hospitalization expenses for any treatment taken at home as per the specified limit
Health Check-up Facility: Expenses incurred on health check-ups up to the specified limits
Accidental Death and Permanent Total Disability Cover: Accidental Death and Permanent total disabilities are also covered
Dental Cover: Dental / Ophthalmic OPD treatment once in 3-years can also be claimed
Bariatric Surgery Cover- Payable up to the specified limits after the waiting period is over
Ayush Treatment Cover- Hospitalization expenses incurred on Ayurveda, Homeopathy, Unani and Siddha can be claimed under this star health insurance policy
Second Medical Opinion Cover- The insured can avail a second medical opinion from the Company’s network of doctors. The medical records need to be sent to e_medicalopinion@starhealth.in

Exclusions of Star Comprehensive Health Insurance for Maternity

The exclusions or limitations under the Star health insurance for maternity are enumerated below:

Circumcision, removal of SMEGMA, Frenuloplasty, etc. cannot be claimed
Congenital conditions and Anamolies are also excluded
STDs and Veneral diseases
Intentional self-injuries or suicide
Drugs/ Alcohol/ tobacco/smoking/ and use of other intoxicating substances
Injuries directly or indirectly related to nuclear weapons

It is suggested that you read the policy wordings before paying the premium. To know more about the plan details you can call us on our toll-free numbers i.e. 1800-419-7715 for the first time buyers or dial 1800-258-5970 if you are an existing customer and get all your queries solved.

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