Star Unique Health Insurance Policy

Star Unique Health Insurance Policy as its name says offers unique benefits to its policyholders. One of the unique features of this insurance policy is coverage for the pre-existing disease. Star Unique Health Insurance policy starts covering pre-existing ailments after completion of 11 successful months by its policyholders as compared to other insurance plans wherein the coverage for pre-existing diseases starts after completing 48 months.  

Eligibility Criteria:

  • Any person who comes in the age bracket of 18 years to 65 years can purchase this policy.
  • Beyond 65 years, you can only renew this policy and there is no exit age for it.

Inclusions:

  • Pre-Existing Diseases: This policy offers coverage for pre-existing diseases after completion of 11 months.
  • Provides cover for the expenses that are related to dialysis, chemotherapy, pacemaker, radiotherapy, etc.
  • Hospitalization Cover: Provides coverage for the expenses incurred due to hospitalization like the cost of blood, medical practitioner fees, boarding charges, diagnostics, etc.
  • Post hospitalization expenses.
  • Non-allopathic treatments are also covered.
  • Pre-hospitalization expenses for up to 30 days before admission to the hospital.

Exclusions:

  • Any medical treatment occurring within the first 30 days of policy purchase.
  • Treatment of cataract, varicose veins, hysterectomy, varicose ulcers, knee or joint replacement surgeries, thyroiditis, glaucoma is not covered for the first two-years.
  • Cosmetic treatments.
  • Renal calculi are not covered. However, if it is pre-existing, then the waiting period is two years.
  • First-year exclusion for hernia, prostate hypertrophy, cholecystectomy, renal calculi, gallbladder calculi. If these diseases are pre-existing then the waiting period is two years.
  • Naturopathy treatment.
  • Expenses of diagnosis where there is no confirmation of disease existence.

Features & Benefits:

  • This plan provides coverage for pre-existing diseases after successful completion of 11 months.
  • No pre-acceptance medical tests are needed.
  • Offers coverage for HIV patients excluding the treatment of AIDS/ HIV.
  • Tax benefits
  • Offers cashless facility
  • The minimum coverage amount is Rs. 3 lakhs to Rs. 4 lakhs.
  • Has more than 7800 network hospitals.

Cancellation Policy:

Star Health Insurance Company can cancel this policy anytime based on fraud, misinterpretation, non-disclosure of material facts, moral hazard, or non-cooperation by the policyholder.

The policyholder can anytime cancel this policy and in such an event the company will allow a premium refund after retaining the premium at the company's short period rate provided no claim has occurred until the date of cancellation.

Period on Risk

Rate of Premium to Be Retained

Up to one month

1/3rd of the policy premium

Up to three months

½ of the policy premium

Exceeding six months

Full policy premium

FAQs

Written By: PolicyBazaar

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