Star Health Insurance Waiting Period

Star Health Insurance Waiting Period

Star health insurance waiting period refers to the time period policyholders have to wait to file a Star health insurance claim. It differs for different diseases & medical conditions and may vary from one Star health insurance plan to another. However, the waiting period in Star health insurance does not apply to accidental claims.

Types of Star Health Insurance Waiting Period

Check out the various types of waiting periods applicable to Star health insurance plans:

1. Star Health Insurance Initial Waiting Period

   This type of waiting period should be served to file any non-accidental claim under Star health insurance.

2. Star Health Insurance Specific Disease/Procedure Waiting Period

   Policyholders need to serve this waiting period to claim the medical expenses incurred on specific disease/procedure.

3. Star Health Insurance Pre-existing Disease Waiting Period

   This waiting period should be served to claim the treatment cost of any pre-existing diseases (PED), like hypertension, diabetes, etc.

4. Star Health Insurance Maternity Waiting Period

   The insured needs to serve this waiting period to file a maternity insurance claim.

5. Star Health Insurance Critical Illness Waiting Period

   This type of waiting period should be served to claim a lump sum benefit on the diagnosis of a listed major critical illness under a critical illness insurance policy.

6. Star Health Insurance Bariatric Surgery Waiting Period

   This waiting period must be served to file a claim for bariatric surgery.

7. Star Health Insurance Newborn Baby Treatment Waiting Period

   The insured can claim the cost of newborn baby treatments after this waiting period is served.

8. Star Health Insurance Hospice Care Waiting Period

   This waiting period must be served to claim hospice care expenses from Star Health & Allied Insurance Company.

9. Star Health Insurance Assisted Reproduction Treatment Waiting Period

   Policyholders need to serve this waiting period to claim the cost of assisted reproduction treatment.

10. Star Health Insurance Childbirth Hospital Cash Waiting Period

    This type of waiting period must be served to get hospital cash for each day of hospitalization due to childbirth.

11. Star Health Insurance Voluntary Sterilization Expenses Waiting Period

    The insured must serve this waiting period to claim voluntary sterilization expenses from the insurer.

12. Star Health insurance Cancer Cover Waiting Period

    This waiting period should be served under cancer cover to claim a lump sum benefit on the first incidence of cancer.

13. Star Health Insurance Antenatal Care Waiting Period

    Policyholders can claim antenatal care expenses from the insurer after serving this waiting period.

14. Star Health Insurance In Utero Fetal Surgery/Repair Waiting Period

    This waiting period must be served to claim the cost of in utero fetal surgery/repair.

15. Star Health Insurance Accidental Miscarriage Waiting Period

    The insured can claim the medical expenses incurred on accidental miscarriages after this waiting period is over.

16. Star Health Insurance Diabetes Hospitalization Expenses Waiting Period

    This waiting period should be served to claim the hospitalization expenses resulting from diabetes.

17. Star Health Insurance Heart Transplantation Waiting Period

    Policyholders can claim the cost of harvesting and transporting the donated heart via air or road from the insurance company after serving this waiting period.

18. Star Health Insurance HIV/ AIDS Waiting Period

    This waiting period should be served to claim the treatment cost of HIV/ AIDS or its direct complications.

19. Star Health Insurance Pre-existing Disability Cover Waiting Period

    The insured can claim treatment expenses of pre-existing disability and its direct complications after serving this waiting period.

List of Star Health Insurance Waiting Period

Take a look at the various Star health insurance waiting period below:

*Note: The Star health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce Star Health Insurance Waiting Period?

Yes. Policyholders can reduce the waiting period for pre-existing diseases in the Star Comprehensive, Star Super Star Insurance, and Star Smart Health Pro plans from 3 years to 1 year. Moreover, the Star Super Star Insurance plan covers pre-existing diabetes, asthma, hypertension, coronary artery disease and high cholesterol after a waiting period of 30 days with the Quick Shield benefit.

Similarly, the waiting period for specified diseases/ procedures can also be reduced from 2 years to 1 year under the Star Super Star Insurance policy. However, the waiting period of Star health insurance can be reduced only after paying an additional premium.

Things to Remember About Star Health Insurance Waiting Period

Here are a few things to remember about the Star health insurance waiting period:

• Star health insurance initial waiting period does not apply to claims resulting from accidents.
• Any disease or medical condition diagnosed during the waiting period or after buying a Star health insurance policy is not considered pre-existing.
• To file a claim under the Star Critical Illness Multipay insurance plan, policyholders must serve the critical illness waiting period as well as the survival period.
• Some Star health insurance plans come with optional covers to reduce the waiting period for pre-existing diseases.

Star Health Insurance Waiting Period: FAQs