Star Extra Protect - Add on Cover
IRDAI UIN: SHAHLIA23061V012223
HIGHLIGHTS
Plan Essentials
Add on Cover
Eligibility
Policy Term
Age & Family Size
DETAILED LIST
Understand what’s included
SECTION I
Enhanced Room RentThis cover enhances the room, boarding and nursing expenses as per the limits mentioned in the policy clause. |
Claim Guard (Coverage for Non-medical Items)If there is an admissible claim under the base policy, then the expenses for non-medical items specified in this Add on Cover will become payable.
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Enhanced Limit for Modern TreatmentsIf the modern treatments that are listed in the policy clause are covered in the base policy, then such treatments are covered up to the Sum Insured of the basic policy. |
Enhanced Limit for AYUSH TreatmentThe in-patient hospitalisation expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured of the base policy. |
Home Care TreatmentExpenses incurred on home care treatment for the specified conditions as mentioned in the policy clause are covered up to 10% of the Sum Insured of the base policy subject to the maximum of Rs. 5,00,000/- in a policy year. |
Bonus Guard1) The Cumulative Bonus granted under the base policy will not be reduced at the time of renewal unless the bonus is utilised.
2) On full utilisation of the Sum Insured and nil utilisation of the Cumulative bonus, the Cumulative Bonus granted under the base policy at the time of renewal will not be reduced.
3) On full utilisation of the Sum Insured and partial utilisation of the Cumulative Bonus, the Cumulative Bonus granted under the base policy at the time of renewal will be the balance Cumulative Bonus available.
4) On full utilisation of the Sum Insured and Cumulative Bonus, the Cumulative Bonus granted under the base policy on renewal will be nil. |
SECTION II
Option to Choose Aggregate DeductibleDiscount on premium is available if the insured person chooses any of the deductible listed in the policy clause. |
STAR HEALTH
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As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
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Star Extra Protect - Add on Cover (UIN: SHAHLIA23061V012223)
It is always said, ‘A little extra makes all the difference.’ Star Health believes in the same and hence introduced ‘Star Extra Protect – Add on Cover’, which enhances the limits of existing covers in addition to offering new features to the Base Policy. Health insurance add-ons provide extra benefit coverage that policyholders can buy in addition to their base mediclaim plan.
Customers having a Sum Insured of Rs. 10 Lakhs and above with Family Health Optima Insurance Plan/ Star Comprehensive Insurance Policy/ Medi Classic Insurance Policy (Individual) as a base plan can buy this policy for additional coverage over and above the base Sum Insured.
But, before jumping into the features of Add on cover by Star Health, it's crucial to know about: What is an Add-on cover in health insurance?
What is add on cover in health insurance?
Add-on health insurance policy is optional; supplementary coverage options you can attach to your base health insurance plan for an extra premium to get more comprehensive protection. It unlocks better protection for your and your loved ones' health. It expands the policyholder’s overall mediclaim insurance coverage, eliminating the need for another health insurance plan.
Features of Star Extra Protect-Add on Cover
Let's take a look at one of the best add-on medical insurance plans available in India. This plan has 2 sections of coverage in it. The Insured can avail either or both of the sections. Section I covers:
- Customers can avail Any Room (except suite or above category) with Sum Insured from Rs. 10 Lakhs to Rs. 20 Lakhs in the base policy, and Any Room with above Rs. 20 Lakhs Sum Insured in the base policy during admissible in-patient hospitalisations.
- The policyholder gets coverage for non-medical/consumable expenses if there is an admissible claim in the base policy.
- This plan enhances the limit of modern treatment, making it cover up to the maximum payout of the base policy.
- Treatment expenses under AYUSH can be covered up to the base Sum Insured.
- Home care treatments can be covered up to 10% of the sum insured of the Base Policy, subject to a maximum of Rs. 5,00,000/- in a policy year.
- During an event of a claim, this cover protects the cumulative bonus from getting reduced at the time of renewals unless utilized.
Note
- Insured can opt Section I (or) Section II (or) Both
- If Section I in the Add on Cover is opted, Insured cannot opt-out of the same at the time of renewal
Section II is the option to choose the Aggregate Deductible to get up to a 30% discount on the premium.
Get Star Extra Protect-Add on Cover now to enhance your protection and restore your peace of mind.
Detailed Features of Star Extra Protect Add-on Cover
The Star Extra Protect Add-on Cover has many features that make it a valuable addition to your health insurance policy. Here are some of the key features:
- Enhanced Room Rent Coverage: One of the standout features of this product Star Extra Protect Add-On Cover, is the enhanced room rent coverage. Customers can avail of any room (except suite or above category) with a Sum Insured from ₹10 Lakhs to ₹20 Lakhs in the base policy. For those with a Sum Insured above ₹20 Lakhs, any room can be availed during admissible in-patient hospitalisations.
- Coverage for Non-Medical/Consumable Expenses: The Star Extra Protect Add-on Cover. It provides coverage for non-medical and consumable expenses, provided there is an admissible claim in the base policy. This can significantly reduce out-of-pocket expenses during hospitalisation.
- Enhanced Limit for Modern Treatments: This add-on cover enhances the limit for modern treatments, covering up to the Sum Insured of the base policy. Advanced therapies are covered comprehensively, ensuring you get the best possible care.
- AYUSH Treatment Coverage: The Star Extra Protect Add-on Cover It includes coverage for treatment expenses under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base Sum assured. This provides flexibility in choosing alternative treatment options.
- Home Care Treatments: Home care treatments can be covered up to 10% of the maximum payout of the Base Policy, subject to a maximum of ₹5,00,000/- in a policy year. This feature is handy for those who prefer to receive treatment in the comfort of their own home.
- Bonus Guard: During the event of a claim, the Star Extra Protect Add-On Cover protects the cumulative bonus from being reduced at the time of renewals unless it has been utilized. This ensures that your accumulated benefits remain intact.
Section II: Aggregate Deductible for Premium Discounts
In addition to the features mentioned above, the Star Extra Protect Add-On Cover offers an option to choose an Aggregate Deductible. By opting for this feature, policyholders can enjoy a discount of up to 30% on their premiums. This makes the Star Extra Protect Add-on Cover the product comprehensive and cost-effective.
Why Choose Star Health Extra Protect Add-on Cover?
Choosing the Star Extra Protect Add-on Cover can be a wise decision for several reasons:
- Comprehensive Coverage: The add-on cover provides comprehensive coverage for various aspects of healthcare, ensuring that you are well-protected.
- Cost-Effective: Options like the Aggregate Deductible offer significant discounts on premiums, making the add-on cover affordable.
- Flexibility: The coverage for AYUSH treatments and home care treatments allows you to choose treatment options that suit your needs.
- Peace of Mind: Knowing you have additional coverage beyond your base policy can give you peace of mind, especially during medical emergencies.
Why add-on Cover necessary beyond buying basic health insurance?
Apart from basic health insurance, an add-on is needed, as it provides many benefits. Here are the benefits of add-ons.
- Offers broader coverage. Thus, they improve the base policy’s coverage by meeting particular medical needs.
- Offers a highly comprehensive safety net.
- Add-ons with affordable Premiums are more cost-effective than buying separate health policies.
- Helps avoid buying multiple Policies.
- Offers customized health insurance coverage.
- Helps manage daily medical expenses.
Conclusion
The add-on health insurance is valuable to your existing health insurance policy. With features like enhanced room rent coverage, coverage for non-medical expenses, and protection of the cumulative bonus, this add-on cover ensures that you and your family are well-protected. Also, choosing an Aggregate Deductible for premium discounts makes it cost-effective. If you want to enhance your health insurance coverage, the Star Extra Protect Add-on Cover from Star Health Insurance is an excellent option.
Related Health Insurance Products
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in