Star Allied Unique Health Insurance Plan

Product Overview

Star Health Unique 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 Unique Health Insurance Plan

• This Plan does not require any Medical test.
• HIV positive persons can apply the policy
• Under this plan Pre-Existing Diseases are covered after a waiting period of 11 Months.
• Non-Allopathic Treatment like Ayurvedic, Homepathic, etc are covered under this plan.

Critical features of Star Allied Unique Health Insurance Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses
  Up to 1% of sum insured for a maximum of Rs 3000 per day
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  This plan has 30% co-payment of admissible claim amount, in respect of each and every claim.
• 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 offer no claim bonus Benefits.
• 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

1. This plans has a waiting period of 11 Months is case of pre-existing diseases
2. Refer the policy document with specific waiting period e.g. Cancer, Chronic Kidney Diseases, etc.

Eligibility Criteria

• Minimum Age of Entry:- 18 years
• Maximum age of Entry:- 65 years
• Renewal Age:- Life Long Renewal
• Sum Insured:- Rs. 1 lakh to 3 lakhs
• Policy Tenure:- 2 years
• Premium Calculated on Basis of:- Age, Zone (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 1 Year:
  Benign Prostate Hypertrophy, Hernia, Hydrocele, Congenital Internal diseasesldefects, Fistula in anus, Piles, Fissure in anus, Sinusitis and related disorders, Posttrauma non union I mal union, Cholecystectomy and Renal Calculi
• Covered after 2 Years:
  Hysterectomy (abdominal and Vaginal), Myomectomy, Cystectomy, Treatment of Internal Derangement of Knee (otherthan caused by an accident), Treatment forJoints (other than caused by an accident), otherArthroscopic Surgeries, inter-Vertebral Disc Prolapse (other than caused by an accident), Degenerative Vertebral and Disc diseases, Varicose veins and Varicose ulcers, Thyroiditis, Treatment of Goitre, Tympnoplasty, Mastoidectomy, Glaucoma

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

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