Star Assure Policy Plan
Star Health Insurance
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Co-payment
The Star Health Assure Insurance Policy has a mandatory co-payment of 20% for all claims.
Advanced treatments
The Star Health Assure Insurance Policy covers advanced treatments, including modern medical procedures like oral chemotherapy, intravitreal injections, and robotic surgeries, up to the sum insured.
Brochure
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Our Verdict
Star Health Assure shines with unlimited sum insured restoration and covers large families without pre-screening. While deductibles are optional, its comprehensive coverage and wellness discounts suit those prioritizing extensive, worry-free health security.
About the Plan
The Star Health Assure Insurance Policy is a comprehensive health insurance plan designed to cover expenses arising from hospitalization due to illness or accidents. It offers a range of sum insured options, from ₹5 lakh to ₹2 crore, catering to diverse healthcare needs. Notably, the policy provides automatic restoration of the sum insured for an unlimited number of times within a policy year, ensuring continuous coverage even after multiple claims. Policyholders can include up to nine family members under a single policy, making it suitable for large families. Additional benefits include wellness discounts of up to 20%, coverage for modern treatments, and home care treatment for specified conditions. The policy also offers flexibility in premium payments, with options for monthly, quarterly, half-yearly, or annual installments. Moreover, there is no pre-acceptance medical screening required, simplifying the enrollment process. For detailed information, you can refer to the official policy brochure.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal:
- 5 lacs SI : Up to 1% of Sum Insured per day
- 10 / 15 / 20 / 25 lacs : Any Room (except suite or above category)
- 50 / 75 / 100 / 200 lacs : Any room
ICU: provides coverage for ICU charges without any sub-limits.
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
Co-payment
The Star Health Assure Insurance Policy has a mandatory co-payment of 20% for all claims.
Waiting Periods
Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers
14,000+ network hospitals.
Day Care Treatments
All day care procedures are covered.
AYUSH Treatment
Covered up the sum insured ;
SI 5,00,000/- to 15,00,000/- 15,000/- SI 20,00,000/- and 25,00,000/-
SI 20,000/- 50,00,000/-, 75,00,000/- SI 1,00,00,000/- 30,000/-
Exclusions
Pre-existing diseases are excluded until the waiting period is completed (30 months for a 3-year policy, 36 months for 1 or 2-year policies).
Expenses related to specific diseases or procedures are excluded until a 24-month continuous coverage period is completed.
Treatments for obesity, weight control, and cosmetic or plastic surgery are not covered unless medically necessary due to an accident or burns.
Congenital external diseases, mental illness, behavioral disorders, and developmental disorders are excluded.
Injuries or illnesses due to war, nuclear hazards, or chemical exposure are not covered.
Treatment for alcoholism, drug abuse, and other substance-related disorders is excluded.
Exclusions
Home Care Treatment - Covers expenses for specified medical treatments administered at home, up to 10% of the base policy's sum insured, with a maximum limit of ₹5,00,000 per policy year.
Bonus Guard - Ensures that the cumulative bonus earned under the base policy remains unaffected at renewal, unless utilized during the policy term.
Option to Choose Aggregate Deductible - Offers a premium discount if you opt for a specified deductible amount, reducing your premium costs while maintaining comprehensive coverage.
Add-ons
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About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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