| Under the pressure to perform and to compete, and coping with the dynamic pace and complexity of the modern world, students are more vulnerable to illnesses. Star Health has a policy that not only reimburses hospitalisation expenses, it can also enable the student's education to continue despite the demise of an earning parent. It also grants compensation in the event of death or disability of the student. Star Student Care Insurance Policy is available separately for School and for College students. Schools and Colleges respectively can avail of this policy. |
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| Who can take this student health insurance? |
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Students can be covered between the age of 3 years and 18 years under SCHOOL STUDENT CARE INSURANCE & between the age of 15 years and 25 years under COLLEGE STUDENT CARE INSURANCE |
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Schools, Colleges and other Research institutions can avail the policy |
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Sum Insured for Basic Cover (Death and Permanent Disability):
School Students - Rs.50,000/-
College Students Rs.1,00,000/- |
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The sum insured can be increased in multiples of Rs.10, 000 up to a maximum of Rs.1, 00,000 at an additional premium of Rs.0.60 per mille |
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| Student Care Benefits |
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Accidental death |
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Permanent total disability following an accident |
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| Additional Benefits of the student insurance policy |
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Hospitalization cover for Rs.5000/- is available under all student care insurance following an accident. This includes a limit of out-patient treatment of Rs.1000/- for School students and Rs.2000/- for College students |
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Educational grant to students is available in case of death or permanent disability of the earning parent / guardian up to Rs.5000/- for a school student and Rs.10, 000/- for a college student. This amount can be availed once during the policy period |
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| What cannot be claimed? |
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Expenses incurred on events occurring before the commencement of the cover or otherwise outside the Period of Insurance |
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Any claim in respect of Pre-existing condition |
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Any claim if the insured acts against the advice of a physician |
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Any claim arising out of Accidents that the Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs,alcohol,etc) |
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Any claim arising out of mental disorder, suicide or attempted suicide self inflicted injuries, or sexually transmitted conditions,anxiety,etc |
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Participation in Hazardous Sport/Hazardous activities |
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Persons who are physically and mentally challenged unless specifically agreed and endorsed in the policy |
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Any death/disability arising out of Nuclear Biological and chemical terrorism |
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| Claim Procedure |
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Call the 24 hour help-line 1800 425 2255 for assistance. |
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Kindly mention your Policy number for easy access to your policy details. |
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In case of accidents resulting in death/disability, information to be sent to Star office within reasonable time |
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In all network hospitals, the cashless facility on payments can be availed |
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For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by Star Health, on submission of the necessary documents. |
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| Star Advantages |
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No Third Party Administrator; direct in-house claims settlement. |
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Faster & hassle-free claim settlement. |
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Cashless hospitalization. |
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24x7 Toll - free Helpline |
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Network of more than 4900 hospitals across India |
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Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices. |
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Free Health magazines are issued to policy holders at regular intervals |
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| NOTE: The benefits and exclusions mentioned herein are only an outline of the students medical insurance policy. For complete details, please contact your nearest Star Health office. |
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