Star Women Care Insurance Policy

• Here are some unique benefits of the Star Women Care Insurance policy explained in simple terms:
• Available to Pregnant Women : Pregnant women can buy this insurance policy if they provide scan reports from their 12th to 20th week of pregnancy.
• Maternity Benefits : This policy covers many maternity-related costs like delivery, newborn care, fertility treatments, fetal surgery, and accidental miscarriage.
• Automatic Sum Insured Restoration : If you use up your insured amount, it will automatically be restored to 100% once during the policy's lifetime.
• Annual Preventive Health Check-up : Every year, you can get a preventive health check-up for free.
• Cumulative Bonus : If you don’t make a claim in a policy year, you get a 20% bonus, increasing your insured amount up to a maximum of 100% without a higher premium.
• Shared Accommodation Benefit :If you choose a shared hospital room, you get Rs 2000 per day, up to a maximum of seven days.
• Cashless Hospitalization : You can get treated without paying upfront at over 12,000 network hospitals across India.
• Star Wellness Benefit :Earn wellness points by participating in healthy activities. More points mean more discounts on your premium.
• No Pre-Acceptance Medical Screening : You don't need a medical check-up before buying this insurance policy.
• Tax Benefits : You can save on taxes for the premium paid under Section 80D of the Income Tax Act.

The Women's Care plan of Star Health Insurance provides broad coverage. On the other hand, there are some exclusions that you should know in the first place. Read below what's not covered in the Star Health Women Care Policy:-

1. Pre-existing and Specified Diseases
2. Breach of Law
3. Investigation & Evaluation
4. Excluded Providers
5. Rest Cure, Rehabilitation (except rehabilitation & pain management)
6. Sterility and Infertility (except assisted reproduction treatment and voluntary sterilization)
7. Respite Care
8. Drug or Alcohol Abuse
9. Obesity/Weight Control (except bariatric surgery)
10. Hospitalization due to War, Riot, Strike, Nuclear Weapons
11. Change of Gender Treatments, Unproven Treatments
12. Beauty Treatments and Cosmetic/Plastic Surgeries
13. Adventure Activities, Hazardous or Life-threatening Sports

• 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