*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
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.
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 |
Check out some of the unique benefits of the Star Women Care Insurance policy:
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.
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.
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.
The insured will be eligible for a preventive health check-up benefit every year under this policy.
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.
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.
A Star Women Care Insurance policyholder can avail cashless hospitalization facility at over 12000 network hospitals of the insurance company across India.
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.
Women interested in buying this Star Health Insurance policy do not need to undergo a pre-acceptance medical check-up.
Under Section 80D of the Income Tax Act, the premium paid towards Star Women Care policy can be claimed for tax savings.
The Star Women Care Insurance policy covers the following medical expenses:
The Star Women Care Insurance policy does not cover the following expenses:
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 |
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 |