Star Allied Family Delite Insurance Policy

Product Overview

Star - Family Delite Health Insurance Plan is an inpatient hospitalization policy, admission as an inpatient for a minimum period of 24hrs is required, except for day care treatments.

Unique Features of Star Allied Family Delite Insurance Policy

• No Medical test required up to the age of 50 years.
• This plan does not have any Co-payment at the time of claim.
• Specified Diseases are covered upto the specified limits

Critical features of Star Allied Family Delite Insurance Policy

• Room rent:
  Limits imposed towards room and ICU rent expenses

1. Room Rent-Up to 1% of sum insured per day
2. ICU-Up to 1.5% of sum insured per day

• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  This plan does not have co payment clause
• 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
  This plan does not have no-claim benefit
• 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 plans has a waiting period of 4 years is case of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- 5 months
• Maximum age of Entry:- 65 years
• Renewal Age:- Life Long Renewal
• Sum Insured:- Rs. 2 lakhs to 3 lakhs
• Policy Tenure:- 1 year
• Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 2 Years:
  Cataract, Diseases of the Vitreous and Retina, Glaucoma, diseases of ENT, Mastoidectomy, Tympanoplasty, Stapedectomy, diseases related to Thyroid, Prolapse of intervertebral disc (other than caused by accident), varicose veins and varicose ulcers, all diseases of prostate, Stricture Urethra, all obstructive-uropathies,all types of hernia, varicocele, hydrocele, fistula / fissure in ano, Hemorrhoids, Pilonidal sinus and fistula, Rectal Prolapse, stress incontinence and Congenital Internal disease / defect,Gall bladder and pancreatic diseases and all treatments related to Hepato-pancreatobiliary including gall bladder and pancreatic calculi. All types of management for kidney and genitourinary tract calculi,All treatments related to all diseases of uterus, fallopian tubes, cervix and ovaries, dysfunctional uterine bleeding, pelvic inflammatory diseases, benign breast diseases,Conservative, operative treatment and all types of intervention for diseases related to tendon, ligament, fascia, bones and joint,Degenerative disc and vertebral diseases including replacement of bones and joints and degenerative diseases of the musculo-skeletal system,Subcutaneous benign lumps, sebaceous cyst, dermoid cyst, lipoma , neurofibroma, fibroadenoma, ganglion and similar pathology,Any transplant and related surgery

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 is not covered

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

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