Star Wedding Gift Insurance Policy

What is the Plan all About?

The plan is a perfect fit for the lately married couple as this plan offers maternity benefits along with a basic hospitalization cover to enjoy the future surrounded with adequate planning and protection.

This Plan has 2 Variants:

OPTION 1 – 3 Lacs SI
OPTION 2 – 5 Lacs SI

Key Features

Maternity expenses covered
New Born child cover is available
No Pre acceptance medical screening
Option to choose a policy term
Covers normal hospitalization expenses

Policy Benefits

In-patient hospitalization expenses covered for a minimum stay of 24 hours.
Pre Hospitalization expenses are covered for 30 days before the hospitalization.
Post Hospitalization expenses are covered as specified in the policy contract.
Expenses for normal and caesarean delivery (upto 1 delivery) covered as per the specified limits.
Pre & Post natal expenses are also covered.
Post delivery complication cover is available for mother.
New born baby cover is available, including congenital disorders.
Non Allopathic treatments are covered as per the specified limits under the policy.

Value Added Benefits

Emergency ambulance service expenses are covered as per the limit specified.
Test expenses covered for detecting any disorders in the foetus are covered after a waiting period of 27 months.
Tax Benefits under section 80 D of the Income Tax Act, 1961.

Sub Limits

Emergency ambulance service expenses are capped upto Rs 1,000 per hospitalization subject to a maximum of Rs 1,500 per policy period.
Room, Boarding & Nursing expenses capped upto Rs 4,000 per day.
Post Hospitalization medical expenses covered upto 7% of the hospitalization expenses subject to a maximum of Rs 5,000.
Child Delivery Expenses are capped at Rs 15,000 for normal delivery and Rs 20,000 for C-section under Option 1 plan variant. Child Delivery Expenses are capped at Rs 20,000 for normal delivery and Rs 25,000 for C-section under Option 2 plan variant.
Pre Natal Expenses are capped at Rs 1,500 for option 1 and Rs 2,000 for Option 2.
Post Natal Expenses are capped at Rs 2,000 for option 1 and Rs 4,000 for option 2.
Test for detecting congenital abnormality in foetus is capped at Rs 1,000.
Non Allopathic treatment expenses capped upto Rs 25,000 per policy period.

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: 48 months waiting period is applicable for covering pre-existing diseases.
Maternity Benefits: Waiting period of 36 months of continuous policy coverage is applicable.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	18 Years	40 Years
Sum Assured	3 Lacs	5 Lacs
Cover Type	Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-