Star Health Family Delite Insurance Policy

Introduction:

This policy offers protection to the entire family at a single affordable amount.

Eligibility:

• Maximum: 5 months and Minimum: 65 years of age at the time of entry.
• Also for family on floater basis(self, spouse and dependent children). Children covered only with parents.
• No exit age, renewal after 65 years of age.

Policy Benefits:

• Offers much larger benefits at a comparatively lesser cost and covers the entire family.
• Hospitalisation expenses up to 1% of sum insured.
• ICU expenses are borne up to a maximum of 1.5% of sum insured.
• Medical equipment and devices, boarding and nursing expenses are covered, surgeons /consultants fees are covered.
• Emergency ambulance charge: up to a sum of 750 INR and overall policy limit of 1500 INR.
• Pre-hospitalisation medical expenses are borne up to 30 days prior to date of admission,
• Post-hospitalisation expenses up to 7% sum insured and maximum limit of 5000 INR till 60 days from the date of discharge.
• Pre-existing diseases are covered after 48 months of continuous insurance.
• Medical screening: This is borne by the company.

Premium details:

Sum Insured 200000 INR:

Sum Insured 200000 INR:

*The above rates may change. Please check the policy wordings for more details.
Policy Details:

• If 2A+2C have an additional child under sum insured option of 300000 INR an extra premium of 1000 INR is levied on them.

Free Look Period: A period of 15 days after date of receipt of policy to review terms and conditions during which insured can cancel it with due refunds.

Portability:

If the insured wishes to migrate to another Insurer towards renewal, he can draft an application at least 45 days before the date of renewal.

Renewal Policy:

• A grace period of 30 days from the date of expiry is given to renew the policy.
•  Permitting an enhancement after renewal during this process.
• Where claims for the preceding 2 consecutive years exceed 100%, premium is loaded as below.

Tax Benefit: Payment of premium by any mode other than cash is subject to rebate under section 80D.

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 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.