Star Care Health Insurance Policy

Introduction:

Protect individuals on payment of a single premium under a single insured sum of 1, 00,000 INR, which covers all family members.

Eligibility:

Minimum age-18 years, maximum age-65 years and living in Tier-1 and Tier-2 cities in India.

Policy can be renewed for lifetime

Children above 2 years are covered along with parents.

Policy Benefits:

• All room boarding and nursing expenses at maximum of 750 INR per day.
• ICU charge ranging between 2000-10000 INR per hospitalization. Other fees like surgeon anaesthetist, consultant and specialist also including medical procedures and equipment fees, diagnostic tests and medicines and drugs.
• Ambulance charge is payable subject to maximum of 500 INR per hospitalisation and maximum of 1000 per policy period.
• Hospital cash amounting to a maximum of 1000 INR per day till a period of 14 days (government hospital). Maximum claimable amount 114000 INR.

Treatment of specific diseases:

Ailment	Limit of indemnity per policy period
Medical Management(Major diseases)	15000
Medical Management(other diseases)	7500
Cataract	8500
Accidental Grievous Injuries	40000
Major Surgeries	40000
Other Surgeries	20000

 

*The above rates may vary. Please check the policy wordings for more details.

• Pre and post hospitalization expenses: pre expenses up to 30 days before the date of admission into hospital.
• Post expenses up to a maximum of 60 days from the date of release from the hospital subject to a minimum period of hospitalisation of 24 hours.
• Pre Existing diseases are taken into consideration after 48 months of continuous cover.
• Medical expenses up to 7% of hospitalization expenses subject to a maximum of 3000 INR.
• Day care treatment of 405 days.
• Portability: an application for porting the policy to some other or vice versa 45 days prior to renewal.

 

Premium details:

Age	Amount (INR)
	Plan
	1A	1A+1C	1A+2C	2A	2A+1C	2A+2C
2-25	905	1290	1620	1400	1705	1995
26-40	1100	1665	2090	1805	2200	2500
41-50	1600	2395	2945	2600	3100	3500
51-60	2200	3320	4180	3605	4400	5000
61-65	3080	4540	5700	4930	6000	6780
66-70	3665	5400	6795	5865	7150	8065
Above 70	4290	6320	7955	6865	8370	9440

 

*The above rates may vary. Please check the policy wordings for more details.

Renewal policy:

Renewal is allowed except on superfluous or fraudulent grounds.

A grace period of 30 days from the date of expiry of policy should be maintained. Changes in sum assured are applicable only at the time of the renewal.

If policy is withdrawn or modified the insured is to be informed three months before such incident.

Exclusions:

• Pre Existing diseases as mentioned.
• Disease that creeps into the insured during the first 30 days of the policy period. Also expenses of defined and related diseases as mentioned would not be borne during the first two years of continuous operation of insurance.
• Dental treatment or surgery (excluding accidental damages).
• Injury due to nuclear weapons and war or breach of law on an intentional basis.
• Expenses on Vitamins and tonics not form part of the treatment schedule.
• Hospital registration and admission charges, record and telephone charges.

 

Cancellation Policy:

Misrepresentation, fraud, moral hazard or non-cooperation on behalf of the insured might lead to cancellation of policy making way for appropriate refund.

Period on risk	Rate of Premium to be retained by the insurer
Up to 1 month	1/3rd of annual premium
Up to 3 month	1/2 of annual premium
Up to 6 month	3/4th of annual premium
Exceeding 6 months	Full annual premium

 

Free look period: To review terms and conditions by the insurer and making way for a judicious decision a period of 15 days after policy comes into effect. Within this period the insurer may also ask for cancellation.