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Star Health Star Care Policy

Star Health And Allied Insurance

3.5/5 22 User Reviews

Star Health and Allied Insurance Co Ltd began its services in 2006 with the interests in Overseas Mediclaim Policy, Health Insurance, and Personal Accident. The company allows a broad range of health insurance products at reasonable costs to make health insurance every human being’s fundamental right.

The Star Care plan gives you complete protection for you as well as your entire family on the payment of a single premium under a single sum insured.

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Highlights of Star Health Star Care Policy

  • Policy is available on individual and Floater basis in Tier 1 and Tier 2 cities
  • If the treatment of the insured person is undertaken in a Government hospital for more than 14 days, hospital cash benefit can be availed at the rate of Rs. 1000 a day
  • If premium amount is paid by any mode other than cash, you are eligible for relief under Section 80D of the Income Tax Act
  • For people beyond 65 years, policy can be renewed for life time

Scope of cover

Indivdual Plan

Entry Age

(For Tier 1 and Tier 2 places in India) *

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : Till the age of 25

Sum Insured

1 lakh


discount


Policy Periods Available

1 year


Pre-Policy Medical Check-up

Not Applicable


Family Floater Plan

Entry Age

Children below 2 years can be covered along with parents

(For Tier 1 and Tier 2 places in India) *

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 4

Maximum Adults : 2

Maximum Children : till the age of 25 years

Sum Insured

1 lakh


discount


Policy Periods Available

1 year


Pre-Policy Medical Check-up

Not applicable


Important Features

Day Care Treatments

Due to scientific advancement, around 405 listed surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.

    Pre Hospitalization

    The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.

      Post Hospitalization

      The insurance company will pay you medical expenses incurred up to 7% of hospitalization expenses subject to Rs. 3000, 60 days post hospitalization.

        Good to Have Benefits

        Daily Hospitalization Allowance

        Hospital cash is provided at the rate of Rs. 1000 per day of hospitalization for maximum of 14 days where treatment is taken in a Government hospital

          Emergency Ambulance

          This plan provides domestic road ambulance cover up to Rs. 500 per hospitalization with an overall limit of Rs. 1000 per policy period.

            Value Adds

            PORTABILITY

            You can port this policy to another insurer towards renewal provided application is made to the company at least 45 days from when the renewal is due.

              FREE LOOK PERIOD

              For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

                Terms & Conditions

                Room Rent / Room Category

                Expenses are covered for either private or shared accommodation at Rs. 750 a day (0.75% of the sum insured).

                ICU charges are covered up to Rs. 2000 subject to a maximum of Rs. 10,000 per hospitalization.

                  Waiting Period

                  Cooling Off Period

                  A 30 days cooling off period for all claims except any arising out of accidental injuries.

                    Specific Illnesses

                    The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Arthritis, Hernia, Kidney Stone, and so forth.

                      Pre-Existing Illnesses

                      You can claim for any pre-existing conditions after 48 months from the policy start date.

                        Permanent Exclusions

                          The Plan will not cover any liabilities towards the treatments of following conditions-

                          • Intentional self-injury
                          • Mental illness
                          • Cosmetic, aesthetic treatment
                          • Dental surgery
                          • AIDS
                          • Pregnancy, childbirth, miscarriage, and abortion
                          • Congenital disease
                          • Infertility and in vitro fertilization.
                          • Hospitalization out of war, riot, strike and nuclear weapons

                        Review of Star Health Star Care policy

                        1.5/5

                        The Star Care plan is a very basic one providing both individual and family floater options. It is affordable and offers benefits such as hospital cash for every hospitalization in Government hospitals. It covers 405 day care treatments, which is worth the premiums paid. The plan is an ideal one if you wish to get minimal cover for a less insurance cost.

                        **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

                        Health Insurance Policies @ Coverfox

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