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.