Star Care Insurance Policy

What is the Plan all About?

Star Care Insurance policy is a complete health insurance solution which can be opted by an individual or for a family. There will be a single sum insured under a single policy shared between the insured members under the plan on floater basis.

Key Features

No Pre Acceptance Medical Screening
405 Day care Treatment covered
Faster Claim Settlement Process
Cashless Treatment under Network of hospitals
Family Floater option available
Lifelong Renewability

Policy Benefits

In-patient hospitalization expenses like room rent, nursing & boarding expenses, ICU charges,etc. are covered.
Pre hospitalization expenses are covered for 30 days before hospitalization.
Post hospitalization expenses are covered for 60 days after hospitalization.
Ambulance charges for emergency transportation are covered under this plan.
405 Specified day care procedures covered.
Hospital Cash benefit available if the treatment is taken in the Govt. Hospital.

Value Added Benefits

Lifetime Renwability.
No pre acceptance medical screening.
Tax Benefits under section 80 D of Income Tax Act, 1961.
24 * 7 Toll free helpline.
Information on health through free health magazine.

Sub Limits

Room, Boarding & Nursing expenses are capped at 0.75% of sum insured either private room or shared accommodation.
Post Hospitalization is capped at 7% of the hospitalization expenses (including room charges) subject to a maximum of Rs 3,000.
ICU charges capped at Rs 10,000 per hospitalization.
Emergency Ambulance charges are paid upto Rs 500 per hospitalization & Rs 1,000 per policy period.
Hospital cash paid at the rate of Rs 1,000 per day for 14 days if treatment taken in Government hospital.
Medical Managementfor Major diseases capped at Rs 15,000 per policy period.
Cataract surgery expenses capped at Rs 8,500.

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.

Who can Buy the Plan?

Factor	Minimum	Maximum
Eligibility	18 Years	65 Years (for Tier 1 & 2 Places In India)
Sum Insured	1 Lac	1 Lac
Cover Type	Individual/Family	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-