Star Women Care Insurance Policy

(181 Reviews)
Insurer Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      Does Aditya Birla Health Insurance Cover Dental Treatments?

      17 May 2024

      Dental insurance is vital in maintaining oral health by covering
      Read more
      Does Niva Bupa Health Insurance Cover Dental Treatments?

      06 May 2024

      Dental insurance covers regular dental check-ups and treatments to
      Read more
      Surgeries Covered by TATA AIG Health Insurance Plans

      26 Apr 2024

      Amidst the escalating healthcare costs nationwide, managing the
      Read more
      Surgeries Covered by Liberty Health Insurance Plans

      26 Apr 2024

      Liberty General Insurance Limited offers a range of comprehensive
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL