Star Health Insurance

Here are a few salient benefits of Star Health insurance Mediclaim plan:

• Room, boarding, nursing expenses as provided by the Hospital / Nursing Home at 2% of the Sum Insured, subject to a maximum of Rs.5,000/- per day
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
• Anaesthesia, Blood, Oxygen, Operation theatre charges, cost of Pacemaker etc.
• Emergency ambulance charges for transporting the covered patient to the hospital up to a sum of Rs. 750/- per hospitalisation and overall limit of Rs. 1500/- per policy period.
• In-patient hospitalization expenses for a minimum of 24 hours.
• Non Allopathic Treatments: Covered up to 25% of the sum insured subject to a maximum of Rs. 25,000/- per policy period.

Inclusion of Star Health Insurance

Pre-existing diseases are covered after 48 months of continuous insurance with any Indian Insurance Company. In terms of Pre and Post Hospitalisation:

• Pre-hospitalization medical expenses up to 30 days prior to the date of admission.

• Post-hospitalization up to 60 days from the date of discharge from the hospital. The amount payable shall not exceed the sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/-.

Exclusion of Star Health Insurance

Following are a few exclusions of Star Health Insurance

• Any disease contracted by the insured person during the first 30 days from the commencement date of the policy. This exclusion shall not apply in case of the insured person having been covered under any health insurance policy (Individual or Group insurance policy) with any of the Indian Insurance companies for a continuous period of preceding 12 months without a break.
• Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable)
• Convalescence, general debility, run-down condition or rest cure, Nutritional deficiency states.
• Psychiatric, mental and behavioral disorders.
• Intentional self-injury
• Use of intoxicating substances, substance abuse, drugs / alcohol, smoking and tobacco chewing
• Venereal Disease and Sexually Transmitted Diseases,
• Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not)
• Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials

During the First two Years of continuous operation of insurance cover,

• The expenses for treatment of cataract, glaucoma, retinal detachment/ macular degeneration, prolapse of intervertebral disc (other than caused by accident), varicose veins and varicose ulcers, benign prostatic hypertrophy, deviated nasal septum, sinusitis, tonsillitis, nasal polyps, Chronic Supparative Otitis Media and related disorders etc.
• All treatments (conservative, interventional, laparoscopic and open) for Hepatobilary gall bladder and pancreatic calculi and genitourinary calculi.
• All treatments (conservative, interventional, laparoscopic and open) for Uterine prolapse, Dysfunctional Uterine Bleeding, Fibroids - - Pelvic Inflammatory Diseases, all diseases of fallopian tubes and ovaries,
• Conservative and operative treatment of joint diseases [other than caused by accident

Note: For the complete list of exclusions please read the policy brochure here.

Documents Required To Claim Star Health Insurance

Mentioned below are the documents required to claim Star Health Insurance Plan:

• Duly filled in claim form available on the website of Star Health Insurance Plan

• Valid Identity proof (mentioned above) with a recent passport-size photograph

• Hospitalization letter given by medical authorities

• Receipts of medications and consultations

• Test reports

• Original medical bills, receipts as well as discharge summary

Online Renewal Process Of Star Health Insurance

To renew your existing policy with Start Health, simply visit the official website of the same and login with your registered ID and password. Additionally, you will be required to submit your policy number and insured DOB. Then, you will be asked to make the premium payment via debit/credit/net banking. Post payment, you will get an instant notification that your policy has been renewed. This is the same process for new premium payment.