Star Comprehensive Health Insurance Policy

JANUARY 2, 2018 BY HEALTHINSURANCEADVISOR

Your family’s health and safety means the world to you. We understand that and want to help you protect your loved ones from situations beyond your control. Star Comprehensive Family Insurance Plan is perfect for you and your family for a life free from worries. Check out its features and benefits:

Key Features :

No cap on room rent and treatment cost
Covers medical expenses incurred on Bariatric surgical procedures and its complications
Cost of health check up for every block of 3 claim free years
Cover for maternity (normal and caesarean delivery) and New born baby
Automatic restoration of entire Sum insured by 100%.
Dental / ophthalmic cover on OPD basis
Hospital cash benefit.
Cover for over 400 day care procedures.
Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.

Advantages

Affordable Health Insurance cover on a floater basis
Upto 100% Increase in Sum Insured upon a claim free renewal
Benefits include Air ambulance facility and availing Second medical opinion

Section 1:

Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
Ambulance charges for emergency transportation to hospital as per specified limits.
Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only.
Pre hospitalization expenses up to 30 days prior to admission in the hospital
Post hospitalization expenses up to 60 days after discharge from the hospital
Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits
Coverage for Domiciliary hospitalization for a period exceeding three days.

Section 2:

Expenses for Delivery – including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.
Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically)
Vaccination expenses for the New Born upto Rs.1000/- payable.

Section 3: Outpatient Dental, Ophthalmic treatment

Dental / Ophthalmic treatments as an out-patient – once in a block of every three years irrespective of whether a claim is made or not.

Section 4: Hospital Cash

Hospital cash benefit for each completed day of hospitalization.

Section 5: Health Check up

Cost of Health Check-up once after a block of every three claim-free years

Section 6: Bariatric Surgery

Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period.
This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses.
Claim under this section shall be processed only on cashless basis.
Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force

Section 7: Accidental Death and Permanent Total Disablement

Cover against Accidental Death
The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident
The sum insured for this section is equal to the sum insured opted for the Health insurance.

Section 8: Option for Second Medical Opinion

The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company’s network of Medical Practitioners
Medical records can be sent to the mail id e_medicalopinion@starhealth.in

Automatic Restoration of Sum Insured (Applicable for Section 1 Only)

Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made.
Such restoration will be available for section 1 other than Section 1G.

Bonus:

Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.