Star Health Super Star Plan

The following medical expenses are excluded under the Star Health Super Star Plan:

1. Obesity and Weight Control Treatment

   It does not pay for the surgical expenses incurred on the treatment of obesity or weight control.
2. Dietary Supplements and Substances

   It does not cover the cost of dietary supplements and substances available without a prescription.
3. Treatment for Alcoholism, Drugs or Substance Abuse

   It does not pay for the treatment cost of alcohol addiction, drug or substance abuse.
4. Vaccination Expenses

   It does not cover vaccination expenses, except for post-bite treatment and therapeutic treatments.
5. Treatments for Injuries due to Hazardous or Adventure Sports

   It does not pay for the treatment of injuries sustained due to hazardous and adventure sports.
6. Cosmetic or Plastic Surgery

   It does not cover the cost of cosmetic or plastic surgery unless required after an accident.
7. Unproven Treatments

   It does not pay for any unproven treatments and services availed by the insured.
8. Intentional Self-injury

   It does not cover the medical expenses resulting from intentional self-injury.

Optional Cover of Star Health Super Star Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:

1. Limitless Care

   It covers the cost of the in-patient treatment or day care procedure without any sum insured limit once in the lifetime of the policy.
2. Quick Shield

   It waives off the waiting period for pre-existing diabetes, coronary artery diseases, hypertension, hyperlipidemia and asthma by covering these diseases from day 31. This cover is available to people up to the age of 65 years only.
3. Super Star Bonus

   It pays a 100% additional sum insured to the insured after each renewal, irrespective of the claims filed in the previous year.
4. Maternity Benefit

   It covers the maternity expenses incurred on normal or caesarean delivery, pre-natal care, post-natal care and assisted reproduction treatment. This maternity insurance benefit also covers the hospitalization expenses of the newborn baby.
5. Coverage for Non-Medical Items

   It covers the cost of non-medical items or consumables used during in-patient hospitalization or day care treatment.
6. Women Care

   It covers the treatment cost of a newborn baby from day 1, including the treatment for congenital defects. However, this benefit is only available for pregnant women.
7. High-end Diagnostics

   It pays for the cost of specific high-end diagnostic tests availed on an OPD basis.
8. Personal Accident Cover

   It pays compensation to the insured in case of permanent total disability or death due to an accident across the globe.
9. Annual Health Check-ups

   It covers the cost of availing annual health check-ups from day 1 of the policy.
10. Hospital Cash Benefit

    It pays a cash allowance to the insured for each day of hospitalization.
11. Future Shield

    It provides continuity benefits to the newly added spouse for all waiting periods in the policy. However, this cover is available only if the spouse to be added is not more than 35 years old.
12. E-International Second Opinion

    It enables the incurred to avail second medical opinion from an international panel of doctors once a policy year.
13. Reduction in Specified Disease/Procedure Waiting Period

    It reduces the waiting period for specified diseases or procedures from 2 years to 1 year.
14. Reduction in PED Waiting Period

    It provides the option to reduce the pre-existing diseases waiting period from 3 years to 2 years or 1 year. This cover is available to people up to the age of 65 years only.
15. Durable Medical Equipment Cover

    It covers the medical expenses incurred on renting or purchasing necessary medical equipment, such as wheelchairs, oxygen concentrators, etc., once in the lifetime of the policy.
16. Smart Network

    It provides a premium discount of 15% in case the insured opts to avail treatment at a hospital under the Smart Network of Star Health & Allied Insurance Company.
17. Voluntary Co-payment

    It enables the policyholder to opt for a voluntary co-payment on claims.
18. Voluntary Deductible

    It allows the policyholder to opt for a voluntary deductible on all hospitalization expenses.
19. Room Rent Modification

    It modifies the eligible room rent category from any room to a single private AC room, shared room or general ward.
20. Compassionate Visit

    It pays for the travel expenses of one immediate family member of the insured in case of a life-threatening medical emergency in another city.
21. NRI Advantage

    It offers a 10% discount on various health insurance plans for NRIs (Non-resident Indians) or overseas citizens.