Star Family Delite Insurance Policy

• Affordable Health Plan
• Sum Insured on Floater basis
• Cashless Treatment under Network of more than 7800 hospitals
• Family Floater option available
• Lifelong Renewability

• In-patient hospitalization expenses like room rent, nursing & boarding expenses, ICU charges,etc. are covered for a minimum stay of 24 hours in a hospital.
• Pre hospitalization expenses are covered for 30 days before hospitalization. Post hospitalization expenses covered upto the specified sublimit in the policy contract.
• Specified Day-care procedures covered.
• Specified Diseases are covered upto the specified limits.
• Ambulance charges for emergency transportation are covered under this plan.

• Lifetime Renwability.
• Pre acceptance medical screening not required upto the age f 50 years for the insured.
• Tax Benefits under section 80 D of Income Tax Act, 1961.
• Facility for maintaining personal health records in electronic format

• Room, Boarding & Nursing expenses are capped at 1% of the sum insured everyday.
• Post Hospitalization is capped at 7% of the hospitalization expenses (including room charges) subject to a maximum of Rs 5,000.
• ICU charges capped at 1.5% of the sum insured.
• Emergency Ambulance charges are paid upto Rs 500 per hospitalization & Rs 1,500 per policy period.
• Kidney Stone removal surgery capped at Rs 15,000.
• Tonsillectomy surgery capped at Rs 12,000.

(To know more about the specified surgeries sublimit, refer policy contract)

• Initial waiting period: An initial waiting period of 30 days from the commencement of the policy is to be followed for any hospitalization except for the accident claims.
• Specific Waiting Period: Specific waiting period of 2 years is applicable for the list of specified treatments/surgeries under the policy contract.
• Pre-existing waiting period: 48 months waiting period is applicable for covering pre-existing diseases.

• Self Inflicted injury
• Maternity related benefits
• Naturopathy Treatment
• Convalescence benefit
• Cosmetic & Aesthetic Surgeries, etc.
• Cost of spectacles and contact lenses, etc.