Star Women Care Insurance Policy

The Star Women Care Insurance policy has been exclusively designed to meet the health needs of today’s women. This health insurance for women can also be purchased by pregnant women. It provides coverage for maternity-related benefits like delivery expenses, assisted reproduction treatment, in utero fetal surgery/repair, etc. besides regular hospitalization cover.

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Star Women Care Insurance Policy

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    Star Health Women Care Insurance Policy: Key Highlights

    Categories Specifications
    Sum Insured Rs 5 lakh to Rs 1 crore
    Policy Tenure 1 year, 2 years, 3 years
    Network Hospitals 12000+
    Incurred Claim Ratio (2020-21) 94.44%
    Pre-policy Medical Check-up Not required
    Pre-existing Diseases Waiting Period 24 months
    Discount Up to 11.25% long term discount

    Benefits of Star Health Women Care Insurance Policy

    Check out some of the unique benefits of the Star Women Care Insurance policy:

    Available to Pregnant Women

    Unlike most health insurance plans, pregnant women can buy this policy as long as they submit the scan reports taken between their 12th and 20th week of pregnancy.

    Maternity-related Benefits

    This health insurance for women covers a wide range of maternity-related benefits, including delivery expenses, newborn baby cover, assisted reproduction treatment, in utero fetal surgery/repair, accidental miscarriage, etc.

    Automatic Restoration of Sum Insured

    In case of partial or full utilization of the sum insured, the amount will be automatically restored by 100% once in the lifetime of the policy.

    Annual Preventive Health Check-up

    The insured will be eligible for a preventive health check-up benefit every year under this policy.

    Cumulative Bonus

    If no claim is filed in the last policy year, the policyholder will be granted with a 20% cumulative bonus for a maximum of 100%. This bonus will increase their renewal sum insured without paying a higher premium amount.

    Shared Accommodation Benefit

    A daily allowance of Rs 2000 per day will be given to the policyholder if he/she opts for shared accommodation in the hospital. This benefit is payable for up to a maximum of seven days.

    Cashless Hospitalization

    A Star Women Care Insurance policyholder can avail cashless hospitalization facility at over 12000 network hospitals of the insurance company across India.

    Star Wellness Benefit

    The Star Wellness Benefit promotes a healthy lifestyle by giving wellness points to the insured for developing healthy habits through a range of wellness activities. The higher are the wellness points, the higher will be the discount on the premium. 

    No Pre-Acceptance Medical Screening

    Women interested in buying this Star Health Insurance policy do not need to undergo a pre-acceptance medical check-up. 

    Tax Benefits

    Under Section 80D of the Income Tax Act, the premium paid towards Star Women Care policy can be claimed for tax savings.

    What is Covered by Star Health Women Care Insurance Policy?

    The Star Women Care Insurance policy covers the following medical expenses:

    • In-patient Expenses – It covers the expenses incurred on hospitalization of at least 24 hours, including boarding charges, room rent, and nursing expenses.
    • Delivery Expenses – It covers the cost of delivering a baby through normal or caesarean, including pre-natal and post-natal expenses, for up to a maximum of two deliveries in the lifetime of the policy.
    • Newborn Baby Cover – It covers the medical expenses incurred in the treatment of the newborn baby, including the cost of hospitalization, vaccination, metabolic screening and paediatrician consultation. 
    • Star Mother Cover – It covers the cost of a single private AC room in a hospital for the stay of the mother in case the insured child of less than 12 years is admitted to the ICU.
    • Day Care Procedures – It covers the medical expenses incurred on all day care treatments that require less than 24 hours of hospitalization.
    • Non-medical Items – It covers the cost of listed non-medical items used while staying at the hospital.
    • Road Ambulance Charges – It covers road ambulance charges incurred while transporting the insured to or from a hospital. The coverage is available only if the hospitalization claim is accepted by Star Health & Allied Insurance Company.
    • Air Ambulance Charges – It covers the cost of availing emergency air ambulance services in case of a life-threatening health condition. 
    • Pre-hospitalization Expenses – It covers the medical expenses incurred up to 60 days before getting admitted to a hospital.
    • Post-hospitalization Expenses – It covers the medical expenses incurred up to 90 days after getting discharged from the hospital.
    • Assisted Reproduction Treatment – It covers the cost of assisted reproduction treatment once in a policy year in cases of sub-fertility. 
    • Ante-Natal Care – It covers the outpatient medical expenses incurred on ante-natal care after the pregnancy is confirmed.
    • In Utero Fetal Surgery/Repair – It covers the cost of in utero fetal surgeries and procedures, including fetal image-guided surgery, EXIT procedure, fetendo fetal surgery and open fetal surgery.
    • Miscarriage due to Accident – It provides a lump sum amount to the insured pregnant woman in case she suffers from a miscarriage due to an accident. This cover is payable once in the lifetime of the policy.
    • Voluntary Sterilization Expenses – It covers the medical expenses incurred on voluntary sterilization i.e. tubectomy and vasectomy in case the insured is married and at least 22 years old. 
    • OPD Medical Consultations – It covers the cost of OPD medical consultations taken by females covered under the policy. It also offers unlimited gynaecologist consultations through the Star telehealth app.
    • Organ Donor Expenses – It covers the medical expenses incurred on harvesting the organ for the treatment of the insured. It also covers the cost of redo surgery or ICU admission incurred by the donor of the organ. 
    • AYUSH Treatment – It covers the cost of in-patient treatment at an Ayurvedic, Unani, Siddha and Homeopathy hospital.
    • Bariatric Surgery – It covers the hospitalization expenses incurred on getting a bariatric surgery done on a cashless basis.
    • Modern Treatments – It covers the cost of 12 modern treatments, including robotic surgeries, intra vitreal injections, stem cell therapy, etc. 
    • Rehabilitation and Pain Management – It covers the medical expenses incurred on rehabilitation and pain management treatments.

    Optional Cover:

    • Cancer Cover – It provides a lump sum amount to the policyholder on the first diagnosis of cancer. This coverage is available once in the lifetime of the policy to insured females.

    What is Not Covered by Star Health Women Care Insurance Policy?

    The Star Women Care Insurance policy does not cover the following expenses:

    • Sterility and infertility (except assisted reproduction treatment)
    • Non-accidental miscarriages
    • Cost of dietary supplements and substances
    • Congenital external anomalies
    • Dental treatment 
    • Obesity and weight control treatments
    • Cosmetic or plastic surgery
    • Treatment of alcoholism or drug addiction
    • Intentional self-injury
    • Change of gender treatments

    Eligibility Criteria of Star Health Women Care Insurance Policy

    Here are the eligibility criteria for buying a Star Women Care Insurance policy:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult - 18 years
    Child - 91 days
    Maximum Entry Age Adult - 75 years
    Child - 25 years (up to 30 years for unmarried/unemployed daughters)
    Coverage Type Individual and floater
    No. of Relationships 5
    Relationships Covered Self, spouse and dependent children

    Star Health Women Care Insurance Policy Waiting Periods

    Take a look at the waiting periods applicable under the Star Women Care Insurance policy:

    Category Waiting Period
    Pre-existing Diseases Waiting Period 24 months
    Initial Waiting Period 30 days
    Specific Illness Waiting Period 24 months
    Delivery Expenses 12 months (For a sum insured of up to Rs 10 lakh)
    24 months (For a sum insured of Rs 15 lakh 7 above)
    Assisted Reproduction Treatment 36 months
    Ante Natal Care 12 months (For a sum insured of up to Rs 10 lakh)
    24 months (For a sum insured of Rs 15 lakh 7 above)
    In Utero Fetal Surgery/ Repair 12 months (For a sum insured of up to Rs 10 lakh)
    24 months (For a sum insured of Rs 15 lakh 7 above)
    Miscarriage Due to Accident 12 months (For a sum insured of up to Rs 10 lakh)
    24 months (For a sum insured of Rs 15 lakh 7 above)
    Bariatric Surgery 24 months
    Voluntary Sterilization 24 months
    Cancer Cover 180 days

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