Overview
Commencing operations in 2006 as Indias first Standalone Health Insurance provider, Star Health and Allied Insurance Co Ltd is providing sterling services in Health, Personal Accident and Overseas Travel Insurance etc. Awarded for “Best Health Insurance provider of the year 2018” – Business Today, Money Today financial awards 2018 – 2019 and Awarded as “India’s leading Insurance Company of the year – Dun & Bradstreet BFSI Summit & Awards 2019. Star health offers a wide range of products from floater schemes, senior citizen coverage plans and products for Diabetes/Heart/HIV patients also. It has a Pan India presence with 550+branch offices, Cashless treatment at 9900+ hospitals across India, Star health also provides 24 X 7 FREE medical advice and expert Doctor consultation. You also get Hassle-free in-house claim settlement without intervention of TPA. Star Health efforts have always been on service excellence and product innovation with a focus on delivering the best to the customers
Highlights for Star Health Assure
In Utero Fetal Surgery/Intervention
Assisted Reproduction Treatment
Treatment for Chronic Severe Refractory Asthma:
Features
Sub-limits
No sub-limits
Pre-Hospitalisation : 60 Days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 180 Days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : 36 Months
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 Days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 24 Months
Listed specific illness
Waiting Period- PED : 36 Months
No pre-existing ailment related claims are accepted within this period.
Room Rent : Upto 1% of Sum insured
Room rent for in-patient hospitalisation
ICU Charges : Upto Sum insured
Charges for ICU hospitalisation
Co pay : NO
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : Unlimited times
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : Min -1500 Max -15000
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : 25% of sum insured for each claim free year and maximum up to 100% of the sum insured
% of the sum insured that rises every claim free year.
Video/telephone consultation : No
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : UPTO SI (IF EXCEEDS 3 DAYS)
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : YES
Transportation of the patient to the hospital and back home
Convalescence benefit : Not covered
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : COVERED upto SI
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : Not covered
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : COVERED upto SI
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : COVERED upto SI
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : Not covered
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : COVERED upto SI
All advanced treatment with upgrade in technology.
Health Management/ Wellness : YES (2-10% BASED ON THE WELLNESS REWARD POINTS EARNED )
Benefits provided for staying fit and managing health
Maternity Benefit : YES
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.