Star Unique Health Insurance Policy

What is the Plan all About?

Star health unique health insurance policy as the name suggest is a unique health insurance plan which offers unique benefits by covering both future ailments and pre existing conditions, both. This plan offers bundle of hospitalization benefits to take care of the financial requirement in the hour of need.

Key Benefits

Pre-Existing Disease/ Condition covered after 11 months waiting period
No pre-acceptance medical screening required
Premium can be paid in 2 instalments
Quick & Hasslefree claim settlement

Policy Benefits

In-patient hospitalization expenses like room rent, nursing & boarding expenses, etc. are covered.
Pre hospitalization expenses are covered for 30 days before hospitalization.
Post hospitalization expenses are covered for the specified limit mentioned in the policy and is paid as lumpsum benefit.
Specified day care procedures covered.
This policy can be taken by HIV positive persons - provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered.
Non Allopathic Treatment covered as per the specified limit.

Value Added Benefits

Emergency Ambulance service expenses covered as per the specified limits.
The premium under the policy can be paid in 2 instalments,the first instalment is payable at the commencement of the policy. The second instalment is payable at the beginning of the second year of the policy.
No Pre-acceptance medical screening is required for this insurance.
Facility for maintaining personal health record in electronic format.
Lifelong Renewability.
Tax Benefits under section 80 D of IT Act, 1961.

Sub Limits

30% Co pay applicable for the admissible claim amount, in respect of each and every claim.
Room Rent expenses are capped at 1 of the sum insured subject to the maximum of Rs 3,000 per day.
Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1,500/- per policy period.
Non Allopathic treatments covered upto 25% of the SI subject to Rs 25,000er policy period.
Sub limits for covering pre-existing diseases are applicable.

Waiting Period Clause

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: 11 months waiting period is applicable for covering pre-existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years	Adult: 65 Years
Sum Assured	1 Lac	3 Lacs
Cover Type	Individual	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-