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Star Family Delite Insurance Policy

  •  Affordable health insurance policy for the family.
  •  Sum insured on Floater basis.
  •  Cover for pre-hospitalization and post hospitalization.
  •  Cover for specified day care procedures.

IRDAI/NL-HLT/SHAI/P-H/V.I/139/13-14

Recharge Benefit

  • Hospitalisation Cover:Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post-hospitalisation paid as lump-sum upto the limit specified.
  • Specified Day-care procedures covered.
  • Specified Diseases are covered upto the specified limits

Eligibility

Any person between 5 months and 65 years of age at the time of entry can take this insurance.

This policy is on floater basis. Family for the purpose of this policy means self, spouse and dependent children.

General Terms

Pre-Existing Diseases / Illness

They are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

 

Pre-acceptance medical screening:

Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company.

 

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

 

Free Look Period:

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening , stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

 

NOTE:Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Star Advantage

  •  No Third Party Administrator, direct in-house claim settlement
  •  Faster and hassle-free claim settlement
  •  Cashless hospitalisation
  •  Network of more than 8200+ hospitals across India
  •  Facility for maintaining personal health records in electronic format

NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477.

Premium Chart

Premium Rating EXCLUDING TAX
Rs.2,00,000/-
Family Premium (Rs)
Size Age (years) For Renewals only
5mths-35 36 -45 46 -50 51-55 56-60 61-65 66-70 71-75 Above 75 yrs
1A+1C 2800 3250 5100 5600 6400 9000 11300 14700 19200
1A+2C 3100 3750 5600 6200 7000 9800 12300 16000 20800
1A+3C 3650 4500 6300 7000 7800 11000 13800 18000 23400
2A 3000 3600 5550 6200 7200 10100 12700 16600 21600
2A+1C 3700 4200 6100 7000 8100 11400 14300 18600 24200
2A+2C 4500 5000 6900 7900 9100 12800 16000 20800 27100
EXCLUDING TAX
Rs.3,00,000/-
Family Premium (Rs)
Size Age (years) For Renewals only
5mths-35 36-45 46 -50 51-55 56-60 61-65 66-70 71-75 Above 75 yrs
1A+1C 3710 3940 5900 6930 8500 11900 14900 19400 25300
1A+2C 3825 4300 6400 7160 9000 12600 15800 20600 26800
1A+3C 4400 5200 7100 7900 10095 14200 17800 23200 30200
2A 3985 4360 6300 7605 10030 14100 17700 23100 30100
2A+1C 4300 4830 6900 7900 10625 14900 18700 24400 31800
2A+2C 4800 5600 7700 9100 11090 15600 19500 25400 33100
Premium Rating INCLUDING TAX @ 18%
Rs.2,00,000/-
Family Premium (Rs)
Size Age (years) For Renewals only
5mths-35 36 -45 46 -50 51-55 56-60 61-65 66-70 71-75 Above 75 yrs
1A+1C 3304 3835 6018 6608 7552 10620 13334 17346 22656
1A+2C 3658 4425 6608 7316 8260 11564 14514 18880 24544
1A+3C 4307 5310 7434 8260 9204 12980 16284 21240 27612
2A 3540 4248 6549 7316 8496 11918 14986 19588 25488
2A+1C 4366 4956 7198 8260 9558 13452 16874 21948 28556
2A+2C 5310 5900 8142 9322 10738 15104 18880 24544 31978
INCLUDING TAX @ 18%
Rs.3,00,000/-
Family Premium (Rs)
Size Age (years) For Renewals only
5mths-35 36-45 46 -50 51-55 56-60 61-65 66-70 71-75 Above 75 yrs
1A+1C 4378 4649 6962 8177 10030 14042 17582 22892 29854
1A+2C 4514 5074 7552 8449 10620 14868 18644 24308 31624
1A+3C 5192 6136 8378 9322 11912 16756 21004 27376 35636
2A 4702 5145 7434 8974 11835 16638 20886 27258 35518
2A+1C 5074 5699 8142 9322 12538 17582 22066 28792 37524
2A+2C 5664 6608 9086 10738 13086 18408 23010 29972 39058
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