Star Unique Health Insurance Policy

*Please note that the quotes shown will be from our partners

Introduction:

This policy comprises of unique benefits and covers for both future ailments and pre-existing conditions.

Eligibility: Minimum- 18 years, maximum- 65 years.

Policy Benefits:

  • Expenses include room rent; nursing and boarding charges are covered to a maximum of 1% of sum insured to a limit of 3000 INR.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs are covered.
  • Ambulance charges for emergency transportation to hospital up to 750 INR per hospitalisation and overall up to 1500 INR.
  • Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post-hospitalisation paid as lump-sum up to7% of hospitalisation and maximum of 5000 INR.
  • Specified Day-Care procedures covered
  • Non Allopathic treatment up to 25% of sum insured up to a limit of 25000 INR.
  • HIV positive persons are also eligible However, the CD 4 count at the time of entry is above 350 (proof to be produced). Hospitalization for any opportunistic infections is not covered.
  • No pre-acceptance medical screening.

Premium Details:

  • Two year policy. The sum insured and sub limits are for each year of insurance and cannot be cumulated or carried forward.
  • Premium is payable in two instalments. The first instalment is payable at the commencement of the policy. The second instalment is payable at the beginning of the second year of the policy.
  • Policy would lapse if the instalment is not paid on or before the due date.

 

Sum  Insured

Sub Limit PED cover

18-25 years

26-40 years

41-55

years

56-60 years

61-65 years

Above 65 years

100000

50000

5880

6720

10080

11760

14170

16100

200000

100000

7585

9840

14760

17220

20745

23575

300000

150000

10625

13800

20010

22770

23805

26450

 

*The above rates may change. Please check the policy wordings for more information.

 

APPLICABLE FOR REST OF INDIA:

Sum  Insured

Sub Limit PED cover

18-25 years

26-40 years

41-55

years

56-60 years

61-65 years

Above 65 years

100000

50000

4990

5600

8400

9800

12320

14000

200000

100000

6320

8200

12300

14350

18040

20500

300000

150000

8855

11500

16675

18975

20700

23000

 

*The above rates may change. Please check the policy wordings for more information.

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.
  •  Permitting an enhancement after renewal during this process.

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.

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