Star Health Assure Insurance Policy
Star Health Assure Insurance Policy offered by Star Health Insurance is a health insurance plan that covers hospitalization expenses that occur due to any injury, illness or accident. It offers necessary financial assistance to the policyholder in case of a medical emergency. Star Health Assure is available on an individual and family-floater basis. It offers various coverage benefits such as in-patient hospitalization, maternity expenses, organ donor, etc.
Highlights of Star Health Assure Insurance Policy
Below are the highlights of the Star Health Assure Plan:
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Entry Age
Adult: 91 Years to 75 Years, Dependent Child: 16 Days to 17 years (Floater)
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
5L to 2Cr
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Policy Term
1, 2, 3 Years
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Waiting Period for PED
Up to 3 years
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Pre-Medical Screening Test
No Pre-Medical Screening test
Network Hospitals
Eligibility Criteria Criteria to buy Star Health Assure Insurance Plan
Below mentioned is the eligibility criteria of Star Health Assure Insurance policy:
- Individual
- Family Floater
Entry Age: 91 Days to 75 Years
Entry Age: 18 to 75 Years for adults, 16 days to 17 years for dependent children
Coverage Benefits Offered Under Star Health Assure Insurance Plan
Star Health Assure is a comprehensive health insurance plan that offers various coverage benefits to its customers during medical emergencies. Take a look at the below section to know more about the coverage benefits of the Star Health Assure Insurance Plan:
- 5L
- 10L
- 15L
- 20L
- 25L
- 50L
- 75L
- 1Cr
- 2Cr
Room Rent
Up to 1% of Sum Insured
Any Room
Any Room
Any Room
Any Room
Any Room
Any Room
Any Room
Any Room
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 180 Days
Domiciliary Hospitalization
Covered if hospitalization exceeds 3 days
Daycare Treatments
All Daycare Treatments Covered
COVID-19 Treatments
Covered
No Claim Bonus
Available up to 25% of SI
Automatic Restoration
100% of SI once a year
Hospital Daily Cash
INR 500 per Day
INR 750 per Day
INR 750 per Day
INR 1K per Day
INR 1K per Day
INR 1.5K per Day
INR 2.5K per Day
INR 2.5K per Day
INR 2.5K per Day
Organ Donor
Covered
Maternity Cover
Covered
AYUSH Treatment
Covered*
New Born Baby Cover
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 1L
Covered up to 2L
Covered up to 2L
Covered up to 2L
AYUSH Treatment
Covered
Modern Treatment
Covered
Ambulance Cover
Covered
Air Ambulance Cover
Covered up to 10% of Sum Insured
Co-Payment
10% for every claim of people above 61yrs
Sub-Limit
Applied on Modern Treatments
Rehabilitation & Pain Management
Covered up to 20% of Sum Insured
Home Care Treatment
Covered up to 10% of SI up to INR 5 Lakhs
* Yoga and Naturopathy treatments are excluded under AYUSH Treatments
Coverage after Waiting Period
Given below are the coverage benefits offered under the Star Health Assured insurance policy after certain waiting period:
| Coverage Benefits | Waiting Period |
|---|---|
| Assisted Reproduction Treatment | 24 months |
| Maternity | 24 Months |
| Utero Fetal Surgery/Intervention | 24 Months |
Quick Links
Star Health Assure Insurance Plan Exclusion
Below is the list of diseases and conditions that are not covered under Star Health Insurance Health Assure Policy:
- Mental illness
- Change of Gender treatments
- Intentional self-injury
- Any type of contraception, sterilization
- AIDS
- Gestational Surrogacy
- Refractive Error
- Cosmetic & aesthetic treatment
- Dental surgery
- Infertility and in vitro fertilization
- Hospitalization due to war, strike, riot, and nuclear weapons.
- Congenital disease
- Miscarriage and abortion
- Hospitalization due to war, strikes, riots, and nuclear weapons.
Additional Benefits Offered Under Star Health Assure Insurance Policy
Star Health Assure Insurance Policy offers various types of additional advantages to its customers. Below are some of the additional benefits offered by Star Health Assure Insurance Policy:
- Midterm Inclusion: Star Health Insurance Comprehensive Plan comes with a feature called Midterm Inclusion in which you can add their newlywed spouse or newborn baby to their star comprehensive insurance policy by paying an additional premium.
- Health Checkup Assure: Expenses associated with health checkups up to the maximum amount listed in the table below for each policy year (irrespective of claim).
Sum Insured (INR) Individual Family Floater INR 5 Lakhs INR 1.5K INR 2.5K INR 10 Lakhs INR 2K INR 5K INR 15 Lakhs INR 4K INR 8K INR 20 Lakhs INR 5K INR 10K INR 25 Lakhs INR 5K INR 10K INR 50 Lakhs INR 5K INR 10K INR 75 Lakhs INR 8K INR 15K INR 1 Crore INR 8K INR 15K INR 2 Crore INR 8K INR 15K - Star Wellness Program: The healthy lifestyle of the insured is rewarded by the plan through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. This Star Wellness Program is activated and managed online (digital platform) through the Star Health Customer Mobile App “Star Power” and “Star Health Customer Portal”. The discount on premiums offered by the Wellness Program is displayed in the following table:
Wellness Points Discount in Premiums 200 to 350 4% 351 to 600 10% 601 to 750 14% 751 to 1000 20% - Optional Cover to Deductible: The policyholder has the option to choose any of the following deductibles, then the Star Health Insurance company will provide a discount on the premium as per the table given below:
Sum Insured Deductible Option Offered Discount Up to INR 20L INR 50K 45% INR 1L 55% Above INR 20L INR 50K 35% INR 1L 50%
Explore More About Star Health Assure Insurance Policy
Check the below section to learn more about the star health insurance buying process, star health insurance claim settlement process, star health insurance renewal process.
