Star Allied Wedding Gift Plan
Product Overview
Star Allied Wedding Gift 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 Wedding Gift Plan
- This Plan does not require any Medical test.
- Under this plan Maternity Benefits are covered after a waiting period of 3 years.
- Non-Allopathic Treatment like Ayurvedic, Homepathic, etc are covered under this plan.
- This plan does not have any Co-payment at the time of claim.
OneInsure App Benefits
Store Digitally | Get Premium Reminders | Service and Claim assistances | Empower Nominee
Critical features of Star Allied Wedding Gift Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
This plan covers room expenses up to Rs 4000 per day - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This plan does not have copayment 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 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
- This plans has a waiting period of 48 Months is case of pre-existing diseases
- This plans has a waiting period of 3 years is case of Maternity
Eligibility Criteria
- Minimum Age of Entry:- 18 years
- Maximum age of Entry:- 40 years
- Renewal Age:- 45 years
- Sum Insured:- Rs. 3 lakhs to 5 lakhs
- Policy Tenure:- 1 & 2 years
- 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 1 Year:
Deviated Nasal Septum, Benign Prostate Hypertrophy, Hernia, Hydrocele, Congenital lntemal disease/defect, Fistula in anus, Piles, Fissure in anus, Sinusitis, and related disorders, Nasal Polyps, gall bladder calculi and renal calculi - Covered after 2 Years:
Cataract, Hysterectomy, Dysfunctional Uterine Bleeding (DUB), Fibroid Uterus, Prolapsed Uterus, Treatment of Internal Derangement of Knee (other than caused by an accident), Treatment for Joints (other than caused by an accident), lntervertebral Disc Prolapse (other than caused by accident), degenerative Vertebral and Disc diseases, Varicose veins and Varicose ulcers
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.
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
