Star Family Delite Insurance Policy

With Family Delite Plan, Star Health Insurance Policy offers a health insurance plan that provides the best medical facilities for your entire family. This family floater plan offers coverage for all who fall in the age group of five months to 65 years. The lifelong renewability advantage makes it one of the best health insurance plans for a family.

Opting for this plan is very simple, but people who are more than 50 years old have to go through a medical test at the specific diagnostic centers mentioned by the company, however, the cost of these tests is borne by the insurance firm only.

Eligibility Criteria:

Any person falling in the age bracket of five months to 65 years can purchase this plan.

Inclusions:

  • The plan provides pre and post-hospitalization coverage.
  • Ambulance expenses are also covered.
  • Specific day-care treatments are also covered.
  • A cashless facility is offered at more than 9300 network hospitals.
  • Covers inpatient hospitalization expenses.

Exclusions:

  • Non-allopathic treatments are not covered.
  • Dental treatment cost is not covered unless it is because of an accident.
  • The cost of hearing aids, wheelchair, contact lenses, etc. is not covered.
  • Injury because of nuclear materials and weapons is not covered.
  • Expenses incurred due to Lasik surgery or refractive error correction is not covered.

Features & Benefits:

  • Covers maximum hospitalization expenses including rent of the room, fees of medical practitioners such as a surgeon, consultant, anesthetist, etc are covered.
  • Charges of the ambulance for up to a certain limit is also provided.
  • Pre-hospitalization of 30 days before admitting to the hospital is offered.
  • Post-hospitalization is also paid as a lump-sum amount.
  • Specific day-care procedures are also covered.
  • Specific illnesses are covered up to a specific limit.

Cancellation Policy:

A policyholder has the authority to cancel this policy by giving written notice of 15 days. In such an event, the Star Health Insurance Company refunds the premium for the policy period that is not expired. The details for the same are mentioned below:

Period on Risk

Premium Rate to be Retained

Up to 1 month

1/3rd of the yearly premium

Up to three months

½ of the yearly premium

Up to six months

3/4th of the yearly premium

Exceeding six months

Full yearly premium

FAQs

Written By: PolicyBazaar - Updated: 12 November 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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