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Star Extra Protect - Add on Cover
Star Extra Protect – Add-on Cover is a health insurance add-on designed to expand the coverage of your existing health insurance policy. Available for policyholders with a sum insured of ₹10 lakh and above under eligible Star Health plans, this add-on offers additional protection beyond the base policy.
It helps cover expenses that may otherwise be out of pocket, making your health insurance more comprehensive and financially reassuring during medical emergencies.
With benefits such as enhanced room rent coverage, coverage for non-medical and consumable expenses, higher limits for modern treatments, AYUSH treatment coverage, home care treatment benefits, and protection of your accumulated bonus, Star Extra Protect provides broader healthcare protection. It also lets you choose an aggregate deductible option, helping policyholders save up to 30% on premiums while maintaining extensive coverage.
This article explains the features, benefits, eligibility requirements, and coverage options available under Star Extra Protect – Add-on Cover. Read on to understand how this add-on can strengthen your existing health insurance plan and provide greater peace of mind for you and your family.
IRDAI UIN: SHAHLIA23061V012223
HIGHLIGHTS
Plan Essentials
Add on Cover
This cover that enhance the limits of your existing policy. It can be purchased either at the time of inception or renewal of the base policy.
Eligibility
The policyholders who are covered under Family Health Optima Insurance Plan / Star Comprehensive Insurance Policy / Medi Classic Insurance Policy (Individual), with a minimum Sum Insured of Rs. 10,00,000/- can avail this add on cover.
Policy Term
The policy term of this Add on Cover is same as the opted base policy.
Age & Family Size
The entry age and family size of this Add on Cover is same as the opted base policy.
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.
|
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. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
Section - I
A. Enhanced Room Rent: Room, boarding, nursing expenses all-inclusive as provided by the hospital / nursing home as per the limits given below:
| Sum insured in Lakh (Rs.) | 10,00,000/- to 20,00,000/- (as per base policy) | Above 20,00,000/- (as per base policy) |
|---|---|---|
| Room rent eligibility | Any Room(Except for suite room and above the category of suite room) | Any Room |
B. CLAIM GUARD (Coverage for Non-medical Items (Consumables)): If there is an admissible claim under the base policy, then the expenses towards the following items will become payable.
| SI No | ITEM |
|---|---|
| 1 | BABY FOOD |
| 2 | BABY UTILITIES CHARGES |
| 3 | BEAUTY SERVICES |
| 4 | BELTS / BRACES |
| 5 | BUDS |
| 6 | COLD PACK / HOT PACK |
| 7 | CARRY BAGS |
| 8 | EMAIL / INTERNET CHARGES |
| 9 | FOOD CHARGES (OTHER THAN PATIENT’S DIET PROVIDED BY HOSPITAL) |
| 10 | LEGGINGS |
| 11 | LAUNDRY CHARGES |
| 12 | MINERAL WATER |
| 13 | SANITARY PAD |
| 14 | TELEPHONE CHARGES |
| 15 | GUEST SERVICES |
| 16 | CREPE BANDAGE |
| 17 | DIAPER OF ANY TYPE |
| 18 | EYELET COLLAR |
| 19 | SLINGS |
| 20 | BLOOD GROUPING AND CROSS MATCHING OF DONORS SAMPLES |
| 21 | SERVICE CHARGES WHERE NURSING CHARGE ALSO CHARGED |
| 22 | TELEVISION CHARGES |
| 23 | SURCHARGES |
| 24 | ATTENDANT CHARGES |
| 25 | EXTRA DIET OF PATIENT (OTHER THAN THAT WHICH FORMS PART OF BED CHARGE) |
| 26 | BIRTH CERTIFICATE |
| 27 | CERTIFICATE CHARGES |
| 28 | COURIER CHARGES |
| 29 | CONVEYANCE CHARGES |
| 30 | MEDICAL CERTIFICATE |
| 31 | MEDICAL RECORDS |
| 32 | PHOTOCOPIES CHARGES |
| 33 | MORTUARY CHARGES |
| 34 | WALKING AIDS CHARGES |
| 35 | OXYGEN CYLINDER (FOR USAGE OUTSIDE THE HOSPITAL) |
| 36 | SPACER |
| 37 | SPIROMETRE |
| 38 | NEBULIZER KIT |
| 39 | STEAM INHALER |
| 40 | ARMSLING |
| 41 | THERMOMETER |
| 42 | CERVICAL COLLAR |
| 43 | SPLINT |
| 44 | DIABETIC FOOT WEAR |
| 45 | KNEE BRACES (LONG / SHORT / HINGED) |
| 46 | KNEE IMMOBILIZER / SHOULDER IMMOBILIZER |
| 47 | LUMBO SACRAL BELT |
| 48 | NIMBUS BED OR WATER OR AIR BED CHARGES |
| 49 | AMBULANCE COLLAR |
| 50 | AMBULANCE EQUIPMENT |
| 51 | ABDOMINAL BINDER |
| 52 | PRIVATE NURSES CHARGES - SPECIAL NURSING CHARGES |
| 53 | SUGAR FREE TABLETS |
| 54 | CREAMS POWDERS LOTIONS (TOILETRIES ARE NOT PAYABLE, ONLY PRESCRIBED MEDICAL PHARMACEUTICALS PAYABLE) |
| 55 | ECG ELECTRODES |
| 56 | GLOVES |
| 57 | NEBULISATION KIT |
| 58 | ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT, ORTHOKIT, RECOVERY KIT, ETC] |
| 59 | KIDNEY TRAY |
| 60 | MASK |
| 61 | OUNCE GLASS |
| 62 | OXYGEN MASK |
| 63 | PELVIC TRACTION BELT |
| 64 | PAN CAN |
| 65 | TROLLY COVER |
| 66 | UROMETER, URINE JUG |
| 67 | AMBULANCE |
| 68 | VASOFIX SAFETY |
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
C. Enhanced Limit for Modern treatments: The following procedures covered under the Base policy with sub-limits are covered up to sum insured of the base policy.
| 1.Uterine Artery Embolization and HIFU |
| 2. Balloon Sinuplasty |
| 3. Deep brain stimulation |
| 4. Oral Chemotherapy |
| 5. Immunotherapy - Monoclonal antibody to be given as injection |
| 6. Intra Vitreal injections |
| 7. Robotic surgeries |
| 8. Stereotactic radio surgeries |
| 9. Bronchical Thermoplasty |
| 10. Vaporisation of the prostate (Green laser treatment or holmium laser treatment) |
| 11. IONM - (Intra Operative Neuro Monitoring) |
| 12. Stem cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions |
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
D. Enhanced Limit for Ayush treatment: Medical expenses for In-patient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to sum insured of the Base Policy.
Note: Yoga and naturopathy systems of treatments are excluded from the scope of coverage under AYUSH treatment. The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
E. Home care treatment: Payable up to 10% of sum insured of the base policy, subject to maximum of Rs.5 lakh in a policy year, for treatment availed by the insured person at home, only for the specified conditions mentioned below, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:
- the medical practitioner advises the insured person to undergo treatment at home
- there is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment
- daily monitoring chart including records of treatment administered duly signed by the treating doctor are maintained
- Insured can avail “Home Care Treatment” service on cashless / reimbursement basis, if availed from our network service providers given in our website “www.starhealth.in”
List of treatments / conditions covered under home care treatment:
- Fever and infectious diseases which can be managed as In-patient
- Uncomplicated urinary tract infections but needing parenteral antibiotics
- Asthma and COPD-Mild Exacerbations needing Home Nebulization
- Acute Gastritis/Gastroenteritis
- I.V. Chemotherapy [Where advised by the doctor]
- Palliative Cancer Care requiring medical assistance
- Acute Vertigo
- Diabetic Foot and Cellulitis
- IVDP [Cervical and Lumbar Disc diseases]
- Major surgeries/Arthroplasties needing IV Antibiotics Post Discharge
- Care for Brain and Spinal Injury Cases Post Discharge
- Post CVA Care at Home after discharge
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.
F. Bonus Guard:
- Cumulative bonus available under base policy will not be reduced at the time of renewals unless the bonus is utilized.
- On full utilization of sum insured and nil utilization of cumulative bonus accrued, such cumulative bonus so granted under the base policy will not be reduced
- On full utilization of sum insured and partial utilization of cumulative bonus accrued, the cumulative bonus granted under the base policy on renewal will be the balance cumulative bonus available
- On full utilization of Sum Insured and full utilization of cumulative bonus accrued, the cumulative bonus granted under the base policy on renewal will be “nil”
Premium Details for Section-I
Product Name | Family Health Optima Insurance Plan | Medi Classic Insurance Policy (Individual) | Star Comprehensive Insurance Policy |
Percentage on the Base policy premium | 15% | 15% | 15% |
Section - II
A. Option to choose aggregate deductible: If the insured chooses any of the following deductibles, the Company will provide discount on premium.
| Sum insured (Rs. in Lakh) | Aggregate Deductible Options(Rs.) | Discount offered on Premium | ||
|---|---|---|---|---|
| Family Health Optima Insurance Plan | Medi Classic Insurance Policy (Individual) | Star Comprehensive Insurance Policy | ||
| 10,00,000/- to 20,00,000/- | 25,000 | 15% | 15% | 15% |
| 50,000 | 20% | 20% | 20% | |
| 1,00,000 | 30% | 30% | 30% | |
| Above 20,00,000/- | 25,000 | 12% | 12% | 12% |
| 50,000 | 18% | 18% | 18% | |
| 1,00,000 | 25% | 25% | 25% | |
The Company will be liable under the base policy only if admissible claim/s exceeds the aggregate deductible limit.
B. General Conditions (Applicable to both Section I and Section II):
- The Add on Cover can be purchased along with the Base Policy only (with Rs.10,00,000/- and above Sum Insured) either at Inception or during Renewal of the Base Policy.
- The Add on Cover shall be available only if the same is specifically mentioned in the Base Policy Schedule.
- Any claim under this Add on Cover will be subject to an admissible claim under the Base Policy.
- Wherever the benefits mentioned in the Add on Cover (Section I Benefits) are already available in the Base Policy, the Add on Cover benefits shall supersede the existing benefits.
- The limits under the Add on Cover shall not be in addition to the limits under the Base Policy.
- Wherever the benefits mentioned in the Add on Cover are not available in the Base Policy, the Add on Cover benefits will get added to the existing benefits of the Base Policy.
- During renewal, if insured reduces the Base Policy Sum Insured to below Rs.10,00,000/-, the Add on Cover will not be available.
- In case if insured migrates from the existing Base Policy to any other product offered by the Company, providing of the Add on Cover is subject to the availability of Add on Cover in the migrated product.
- If Section I in the Add on Cover is opted, Insured cannot opt-out of the same at the time of renewal provided the Sum Insured is Rs.10,00,000/- and above.
Free look period
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.
i. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period
STAR HEALTH
Why Choose Star Health Insurance?
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.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
96% of our claims are settled under cashless within 3 hours and 96% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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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 the 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?
An 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 of either or both sections.
Section I covers:
- Customers can avail any room (except suite or above category) with a sum insured from Rs. 10 Lakhs to Rs. 20 Lakhs in the base policy, and any room with a sum insured above Rs. 20 Lakhs 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 maximumof 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 utilised.
Note
- The insured can opt for Section I, Section II, or Both
- If Section I in the Add-on Cover is opted for, the 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, the 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 provides coverage for non-medical and consumable expenses, subject to an admissible claim under the base policy. This can significantly reduce out-of-pocket expenses during hospitalisation.
- Enhanced Limit for Modern Treatments: This add-on cover increases the limit for modern treatments, up to the base policy's sum insured. Advanced therapies are covered comprehensively, ensuring you get the best possible care.
- AYUSH Treatment Coverage: 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 utilised. 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 is an 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 customised 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.
FAQ's
You can opt for add-ons like ambulance coverage, OPD care, organ donor expenses, alternative therapy coverage, and pre/post-hospitalisation expenses. These additional features provide broader protection during medical emergencies.
A Health insurance add on is an optional and supplementary benefit that boosts your base health insurance policy by giving extra health insurance coverage for particular needs beyond a standard plan.
The add on medical insurance offers coverage as an optional feature for a base health insurance policy that offers extra and particular benefits for an extra premium, permitting you to customise and boost your health insurance coverage beyond what a standard health insurance plan offers.
To use an add on health insurance, first buy the add-on when you purchase or renew your base health insurance policy, then pay the extra premium for it. The add-on becomes active with your base health insurance policy, offering enhanced or specialised health insurance coverage for specific medical requirements such as maternity, critical illness, or room rent.
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Disclaimer:
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
