Star Allied Comprehensive Health Insurance Plan
Product Overview
Star Comprehensive Health Insurance Plan is a hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc>
Unique Features of Star Allied Comprehensive Health Insurance Plan
- Automatic Restoration of the basic sum insured once during the currency of the policy period on exhaustion of the basic sum insured and cumulative bonus, if any.
- OPD benefits (for Dental & Ophthalmic Treatment) - Min Rs. 1200/- and Max. Rs. 3300/- based on the sum insured.
- Air ambulance assistance offered for sum insured 5 Lacs & above.
- Maternity (Normal & C-Section Delivery) Covered after 3 years along with New Born Baby Expenses.
- No Claim bonus up to 100% of SI
- Second Medical Opinion
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Critical features of Star Allied Comprehensive Health Insurance Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
Room Rent-Single Standard A/C Room - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This plan has co-payment of 10% above the 60 age - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
50 % of basic sum insured up to a maximum of 100 % for each unclaimed year in case opted for(The cumulative bonus is reduced by 50% of sum insured once a claim is made) - Pre- Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
- This Plan has a waiting period of 4 years in case of pre-existing diseases
- Maternity has a waiting period 3 years
- Second delivery waiting period of 2 years
Eligibility Criteria
- Minimum Age of Entry:- Children-3 Months to 25 years / Adults-18 years
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- Rs. 5 lakhs to 25 lakhs
- Policy Tenure:- 1 year
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Add-ons
- Cover for Accidental Death & Permanent Total Disablement:
If at the time during the policy period, the insured person meets with an accident and sustains bodily injury resulting to Death or Permanent Total Disability will be covered subject to the limit specified in the policy. - Bariatric Surgery:
Expenses incurred on hospitalization for Bariatric surgery procedure and its complications there of are payable subject to a max. of Rs. 2.5 Lacs during the policy period.
Exclusions
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Medical expenses incurred for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Tests and treatment relating to infertility and in vitro fertilization.
- War, riot, strike, nuclear weapons induced hospitalization.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Cost of spectacles/contact lenes,dental treatment
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Any claims arising out of or attributable to any of the following are not covered. Please refer to the policy wordings for a detailed list of Exclusions.
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
