Star Unique Health Insurance Policy

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.

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



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


          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.


              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.


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