Star Unique Health Insurance Policy

    Star Health And Allied Insurance

    Star Unique Health Insurance Policy includes in-patient hospitalization with pre and post hospitalization costs. It has a 2-year tenure, and you can pay the premium in two installments. You can pay the first installment at the time of buying the policy and the second one after a year. One unique feature of the plan is it covers HIV-infected patients with a minimum CD4 count of 350 at the time of entry, non-allopathic treatment, and ambulance charges.

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    Highlights of Star Unique Health Insurance Policy

    • 11 months waiting period for pre-existing diseases/conditions up to the defined limits
    • Compensation for the ambulance charges for emergency transportation to the hospital
    • Coverage for pre-hospitalization expenses up to 30 days before the actual hospitalization
    • Likewise, post-hospitalization paid as lump-sum up to the defined limits
    • No pre-acceptance medical screening needed
    • Convenient policy term of two years where you can pay the premium in 2 installments
    • Tax benefits on the premium paid as per the prevailing Income Tax rules

    Scope of cover

    Indivdual Plan

    Entry Age

    For children : NA

    Adults :

    Minimum : 18 yrs

    Maximum : 65 yrs

    Number of Members Covered

    Maximum Members : NA

    Maximum Adults : NA

    Maximum Children : NA

    Sum Insured

    1 Lakh/ 2 Lakh/ 3 Lakh


    discount

    NA


    Policy Periods Available

    Two years


    Pre-Policy Medical Check-up

    Not Required


    Important Features

    Day Care Treatments

    The plan covers the expenses towards certain day-care procedures that would otherwise require hospitalization of a minimum of 24 hours.

      Organ Donor Cover

      This plan does not cover expenses related to organ donor in case of organ transplant.

        Pre Hospitalization

        Compensates for the Pre-Hospitalisation expenses for consultations, investigations and medicines incurred up to 30 days before Hospitalisation

          Post Hospitalization

          Covers for the post-hospitalization expense equal to 7% of hospitalization costs (excluding room charges) up to a maximum of Rs.5,000 per occurrence. In the case of packaged treatments, the post-hospitalization expense is covered within the specified limit after calculating the room rent and boarding charges.

            Good to Have Benefits

            PORTABILITY

            If you want to transfer the policy to another insurer or get switched to this plan from another plan, you can do so without losing your accrued benefits after the waiting periods.

              TAX BENEFITS

              You can avail tax benefits for the premium amount paid towards this plan under Section 80D of the Income Tax Act,1961.

                SUM ASSURED ENHANCEMENT

                You can apply for the sum increase at the time of renewal. However, there should not be any claim made on the policy for considering the request.

                  Non- Allopathic Treatment Expense Cover

                  This plan covers alternative practices up to 25% of the Sum Insured to a maximum of Rs.25,000 per year for HIV-positive individuals with CD4 count 350 at the time of entry. This coverage does not include opportunistic infections and AIDS treatment.

                    Emergency Ambulance

                    Compensates you up to Rs.750 for each hospitalization towards the emergency ambulance services up to a maximum of Rs.1,500 per policy period.

                      Value Adds

                      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

                        This plan has room rent capping of up to 1% of Sum Insured up to a maximum of Rs.3,000 per day in case of normal hospitalization.

                          Co-Payment

                          This plan a co-pay of 30% on all claimable hospital expense including those with specified sub-limits.

                            Sub-Limits

                            Certain Treatments like Lithotripsy, Tonsillectomy, Incision and drainage of abscess, Sclerotherapy, etc. have a defined liability limit that varies between Rs.1,200 to Rs.20,000.

                              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, Glaucoma, Gall Bladder & Pancreatic Diseases and treatments, and so forth.

                                  Pre-existing for non-defined ailments

                                  You can claim for any pre-existing conditions (that are not listed in the policy for which a specific waiting period has been defined) after 11 months from the policy start date.

                                    Pre-existing for defined ailments

                                    Certain conditions/ailments are defined in the policy document such as Bone Marrow Transplant, Stapedectomy, Hepatitis, and so on have a waiting period of 48 months from the policy start date.

                                      Permanent Exclusions

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

                                        • Attempted suicide
                                        • Use of alcohol or drug
                                        • AIDS
                                        • Congenital disease
                                        • Naturopathy treatment
                                        • Infertility and in vitro fertilization.
                                        • Hospitalization out of war, riot, strike and nuclear weapons

                                        The detailed list of what the policy does not cover is available in the policy wording.

                                      Review of Star Unique Health Insurance Policy

                                      Star Health Unique Insurance policy stands right to its name as it provides the unique feature of covering any medical costs related to certain pre-existing conditions within 11 months of policy start as compared to many other health insurance plans that cover pre-existing diseases only after 24-48 months. Along with this, it also offers other essential benefits like the cover for pre & post hospitalization expenses, ambulance charges, non-allopathic treatment costs up to a defined limit, and so on. The room rent capping and the 30% co-pay on every admissible claim is something you can overlook if budget is not a constraint.

                                      **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.

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