Star Health Assure Insurance Policy

The Star Health Assure Insurance Plan offers comprehensive benefits, including coverage for consumable items like gloves and masks, automatic restoration of the sum insured unlimited times within a year, and no room rent capping for sums insured of Rs 10 lakh and above. Policyholders can earn a 20% renewal premium discount by accumulating wellness points, receive an annual health check-up benefit, and enjoy a cumulative bonus that increases the sum insured by 25% per claim-free year, up to 100%. Additionally, premiums are eligible for tax benefits under Section 80D of the Income Tax Act.

Coverage for Consumable Items : Unlike most health insurance plans, this policy allows policyholders to claim medical expenses incurred on non-medical items such as gloves, masks, oxygen cylinders, and arm slings.

Automatic Restoration of Sum Insured : This benefit ensures that the policy sum insured is automatically restored by 100% whenever it is partially or fully exhausted due to claims. This feature is available unlimited times within a policy year.

No Room Rent Capping : For policyholders with a sum insured of Rs 10 lakh and above, there is no limit imposed on hospital room rent under this Star health insurance policy.

Discount on Renewal Premium : Policyholders can earn a 20% wellness discount on the renewal premium by collecting more than 750 wellness points under the Star Wellness Program.

Annual Health Check-up Benefit : The Star Health & Allied Insurance Company will cover the cost of your preventive health check-up every year under the Health Checkup Assure benefit.

Cumulative Bonus : For every claim-free year, the cumulative bonus will increase the policy sum insured by 25%, up to a maximum of 100%.

Tax Benefits : Premiums paid for the Star Health Assure Insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act.

• Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with insurer
• Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered
• Obesity/ Weight Control
• Change-of-Gender treatments
• Cosmetic or plastic Surgery

• Room (Single Private A/C room), Boarding and Nursing Expenses as provided by the Hospital.

• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.

• Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges,etc

• Emergency Road Ambulance charges for emergency transportation to the hospital

• Pre hospitalization expenses up to 60 days prior to admission in the hospital

• Post hospitalization expenses up to 90 days after discharge from the hospital

• All Day Care Procedures are covered.

• E-Medical Opinion