Star Hospital Cash Insurance Policy Plan
Star Health Insurance
Highlighted Features
Covers Advanced Treatments
Includes robotic surgeries, stem cell therapy, and modern medical procedures, up to the daily cash limit.
Room Rent Cover
Provides fixed daily cash for hospital stays, covering normal room or ICU costs up to the selected plan limit.
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Policy Wording
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Our Verdict
The Star Hospital Cash Basic Plan offers daily cash benefits for hospitalization, including accident and ICU coverage. Ideal for individuals seeking supplementary financial protection for incidental hospital expenses alongside existing health coverage.
About the Plan
The Star Hospital Cash Basic Plan provides a fixed daily cash benefit during hospitalization to cover incidental expenses. Policyholders can choose ₹1,000, ₹2,000, or ₹3,000 per day for 30 to 180 days annually. It covers sickness, accident, and ICU hospitalization with a one-day deductible for sickness-related claims. Available for adults (18-65 years) and children (91 days-25 years), the plan offers 1, 2, or 3-year policy terms and serves as an additional financial cushion alongside existing health insurance.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: ₹1,000, ₹2,000, or ₹3,000 per day (based on the plan). If the room costs more, the extra amount must be paid.
ICU: The same cash benefit applies. If ICU costs more, the difference must be covered.
Advanced Treatments
Covers modern medical procedures, including Robotic surgeries and Stem cell therapy up to the sum insured.
CO-Payment
No co-payment required; the insured receives the full daily cash benefit as per policy terms without deductions.
Waiting Periods
Initial Waiting Period: 30 days from policy commencement for sickness-related claims.
Pre-existing Diseases: Covered after 12 months of continuous coverage.
Specific Diseases: Certain conditions have a 24-month waiting period.
Cashless Healthcare Providers
This policy does not offer cashless treatment facilities. Instead, it provides a lump-sum daily cash benefit, which the insured can use at their discretion.
Day Care Treatments
The policy covers specified day care treatments that do not require 24-hour hospitalization. The daily cash benefit is payable for such procedures up to five times in a policy year.
AYUSH Treatment
The plan provides the daily cash benefit for hospitalizations under AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy), provided the hospitalization meets the policy's criteria.
Exclusions
Pre-existing diseases until 12 months of continuous coverage have elapsed.
Certain specified illnesses and procedures during the first 24 months of the policy.
Any disease contracted within the first 30 days of the policy commencement, except for accidents.
Hospitalization primarily for diagnostic purposes, rest cures, rehabilitation, or convalescence.
Treatment of congenital external diseases, defects, or anomalies.
Hospitalization due to war, invasion, acts of foreign enemies, or warlike operations.
Intentional self-injury, suicide, or attempted suicide.
Expenses related to pregnancy and childbirth, except for ectopic pregnancy.
Cosmetic or aesthetic treatments unless necessitated by an accident.
Use of intoxicating substances, substance abuse, drugs, or alcohol.
Vitamins and tonics unless forming part of treatment for a disease or injury.
Unproven treatments or therapies not recognized by the medical community.
Exclusions
Sickness Hospital Cash - A daily cash amount for each completed day of hospitalization due to illness, subject to a one-day deductible.
Accident Hospital Cash - 150% of the chosen daily cash amount for hospitalizations resulting from accidents.
ICU Hospital Cash - 200% of the daily cash amount for admissions into the Intensive Care Unit due to sickness or injury.
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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