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Star Special Care

This policy specially designed to provide medical insurance cover for children diagnosed with Autism disorder.

SHAHLIP18079V011718

Recharge Benefit

Sum Insured Type:  Individual

 

Sum Insured Options: Rs.3,00,000/-

 

Policy Tenure:  One year  

 

Copay :  This policy is subject to copayment of  20% for each and every claim.

 

Pre-acceptance Medical Screening: No pre-acceptance medical screening.   

 

What does the policy cover?

  1. Room, boarding, nursing expenses (all inclusive) as provided by the Hospital / Nursing Home up to  Rs.5,000/- per day.
  2. However if the insured opts to occupy a Shared Accommodation, the insured person shall be paid an amount of Rs..500/- per day subject to a maximum of Rs.2000/- per hospitalization and Rs.10,000/- per policy period.
  3. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
  4. Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical appliances, Medicines and Drugs etc

Note:Expenses relating to hospitalization will be considered in proportion to the eligible room rent if room of higher rent is opted

  1. Emergency Ambulance up-to a sum of Rs. 750/- per hospitalization and overall limit of Rs. 1,500/- per policy period.
  2. Post Hospitalization:A sum equivalent to 7% of hospitalisation expenses or actual incurred  up to  60  days  after discharge from the hospital.
  3. The expenses incurred on treatment of certain procedure and/or treatments are payable up-to the limits mentioned hereunder:

Ailment / Treatment

Limit per policy period Rs.

Adeno Tonsilectomy

Rs.25,000/- per policy period

Hospitalization for Treatment of Seizures

Rs.30,000/- per policy period

Hospitalization for Treatment of fractures requiring surgery

Up to 20% of the sum insured per policy period

Botox injection  (Payable when administered during inpatient hospitalization only)

Rs.5000/- per sitting subject to a maximum of Rs.20,000/- per policy period.

Behavioral Therapy, Physiotherapy, Occupational Therapy and Speech Therapy

Up to Rs.1,500/- per policy period

 

Waiting period:

30 days waiting period

24 months waiting period for specified disease/procedure

48 months waiting period for treatment of pre existing disease 

 

Eligibility

Any child aged between 3 years and 25 years diagnosed with Autism Spectrum Disorder can be covered.

 

General Terms

Renewal:  Renewal upto the age of 25 years. Beyond 25 years of age the insured person/s will be offered any other suitable Individual Indemnity based Health Insurance Product with continuity benefits for applicable waiting period

 

Grace Period for renewal: 30 days from date of expiry of policy.

 

Free-look Period. A free look period of 15 days from the date of receipt of the policy by the insured is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company may allow refund of premium paid after adjusting the stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.

 

Free look Period is not applicable at the time of renewal of the policy

Star Advantage

  • No third Party Administrator, direct in-house claim settlement.
  • Faster & hassle-free claim settlement.
  • Cashless hospitalization wherever possible.
  • Network of more than 8400+ hospitals across India.
  • 24x7 Toll Free Helpline.
  • Information on health through free health magazine.
  • 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

Sum Insured : Rs.3,00,000/-
Age-band (in years) Gross Premium Rs. (without tax) Gross Premium Rs. (with tax @ 18%)
3-10 4,800 5,664
11-20 5,325 6,284
21-25 6,075 7,169
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