Star Care Health Insurance Policy

Star Care Micro Insurance policy is a health insurance policy for you and your family. It has been designed to ensure health cover to people in both Tier 1 and Tier 2 cities. A perfect health plan for nuclear families in India, this plan can be renewed for lifetime to avail the benefits.

Even the modern treatments are covered under this plan, which further reduces the out-of-the-pocket expenses. Moreover, the applicants don’t need to provide medical records before making the purchase.

Eligibility Criteria

  • Individuals between the age group of 18years and 65 years belonging to the Tier 1 and Tier 2 places can get covered in Star care health insurance policy.
  • Dependent family members including spouse, children up to 25 years can be insured
  • Children can be covered from 2 years
  • After 65 years of age, the policy can be renewed for a life time

Inclusions of Star Care Health Insurance Policy

  • All room boarding and nursing expenses are covered up to Rs 750 per day
  • ICU charges are covered up to Rs 2000 and a maximum of Rs 10,000 per hospitalization. Other hospitalization charges like surgeon fees, anaesthetist, consultant and specialist’s fees, medical procedures and equipment fees, diagnostic tests, the cost of medicines and drugs are also covered
  • Ambulance charge is payable subject to maximum of Rs 500 per hospitalisation up to a maximum of Rs 1000 per policy period
  • Hospital cash benefits up to a maximum of Rs 1000 per day until a period of 14 days (government hospital). The maximum claimable amount is Rs 1,14,000
  • The policy also covers modern treatment expenses as mentioned in the policy wordings

Exclusions of Star Care Health Insurance Policy

  • Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded
  • Change-of-Gender treatments
  • Unconventional, untested, experimental therapies
  • Medical treatment of metabolic and endocrine disorders
  • Cost of spectacles, hearing aids, Cochlear implants walkers and crutches, wheelchairs
  • Naturopathy Treatment

Features and Benefits of Star Care Health Insurance Policy

  • Pre-Acceptance Medical Screening: Pre-policy medical screening is not required for the applicants
  • Daycare Treatment: 405 day-care treatments are included in the policy
  • Pre-Existing Diseases/Illness: They can be covered after 48 months of continuous Insurance cover and regular premium payments
  • Free-look Period- A free-look period of 15 days is provided in which the policyholder can decide to continue or discontinue the policy

Cancellation Policy:

Policy cancellation can be done by policyholder by giving 15 days written notice and the insurer shall refund the premium for the unexpired policy period as given in the table below:

Period on risk

Rate of Premium to be retained by the insurer

Up to 1 month

40% of annual premium

Up to 3 month

60%  of annual premium

Up to 6 month

85% of annual premium

Exceeding 6 months

Full annual premium

FAQs

Written By: PolicyBazaar - Updated: 16 October 2020
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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