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Star Health Premier Insurance Policy

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IRDAI UIN: SHAHLIP22226V012122

HIGHLIGHTS

Plan Essentials

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Unique Cover

Specially designed policy to cover people who are 50 years and above with no maximum entry age limit.
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Long-Term Discount

A discount on premium is available if the policy term opted is more than one year.
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Outpatient Medical Expenses

Outpatient medical expenses are covered from day one up to the specified limits.
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Automatic Restoration of Sum Insured

On partial or full utilisation of the limit of coverage during the policy period, 100% of the Sum Insured will be restored once during the policy period that can be utilised for all claims for subsequent hospitalisation.
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Health Check-Up Discount

10% premium discount will be given if the listed health check-ups are taken 45 days prior to the date of proposal and submitted the documents at the time of inception of this policy.
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Mid-Term Inclusion

The newly married/wedded spouse, can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of such newly married/wedded spouse.
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Policy Type

This policy can be availed either on an Individual or Floater basis (Maximum Family Size 2A + 3C). Under Floater basis, a maximum of up to three dependent children aged between 91 days and 25 years are covered.
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Cataract Treatment

Expenses incurred for Cataract treatment are covered up to the limits as mentioned in the Policy Clause.
DETAILED LIST

Understand what’s included

IMPORTANT HIGHLIGHTS

Sum Insured

The Sum Insured options under this policy are Rs.10,00,000/-, Rs.20,00,000/-, Rs.30,00,000/-, Rs.50,00,000/-, Rs75,00,000/- and Rs.1,00,00,000/-. However, the Sum Insured of Rs.75,00,000/- and Rs.1,00,00,000/- can be availed by people aged up to 65 years only. This is applicable only at the time of inception of this policy.

Policy Term

This policy can be availed for a term of one, two or three years.

Pre-Acceptance Medical Screening

Pre-acceptance medical screening is not required to avail this policy irrespective of the age and Sum Insured opted.

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered.

Post-Hospitalisation

Post-hospitalisation medical expenses incurred up to 90 days from the date of discharge from the hospital are covered.

Room Rent

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 1% of the Sum Insured or to the maximum of Rs. 20,000 per day.

Home Care Treatment

Expenses incurred on home care treatment for specified conditions are covered up to 10% of the Sum Insured subject to maximum of Rs. 5 Lakh in a policy year. The insured person can avail this service either on a cashless or reimbursement basis.

Coverage for Non-medical Items

If there is an admissible claim under the policy, then non-medical items specified in this policy will become payable.

Road Ambulance

This policy covers ambulance charges for admission in hospital, for shifting from one hospitals to another for better medical treatment and from hospital to residence.

Air Ambulance

Air ambulance expenses are covered up to Rs. 2.5 lakh per hospitalisation to the maximum of up to Rs. 5 lakh per policy period.

Domiciliary Hospitalisation

Expenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days are covered.

Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Organ Donor Expenses

In-patient hospitalization expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable. In addition, the expenses incurred by the Donor, (if any) for the complications that necessitate a Redo Surgery / ICU admission will be covered.

Hospice Care

Payable up to 10% of the sum insured subject to a maximum of Rs.5 lakhs, if availed at our Networked facility. This cover is available after a waiting period of 24 months from the inception of the policy.

Rehabilitation & Pain Management

Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured whichever is less, per policy period.

AYUSH Treatment

In-patient hospitalisation expenses incurred for the treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured.

Bariatric Surgery

Expenses incurred on hospitalisation for Bariatric surgical procedures are covered up to the limits mentioned in the policy clause.

Modern Treatment

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to 50% of the Sum Insured specified in the policy schedule.

Cumulative Bonus

Cumulative bonus is provided at 20% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured.

Co-payment

Applicable for Insured persons whose age at the time of entry is above 65 years. Each and every claim under the Policy shall be subject to a Co-payment of 20% applicable to claim amount admissible and payable as per the terms and conditions of the Policy.

Health Check-Up

Health check-up expenses are covered up to the specified limits for every claim-free year.

Instalment Options

The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis. This facility is not available for long-term (2 & 3 year term) options.

Star Wellness Program

Wellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts up to a maximum of 10%.

Family Discount

When two adults are covered under the policy on a Floater basis Sum Insured, then a 40% discount on the premium is available as a floater discount for the younger member.

Young Age Discount

For adults aged 50 years and above, if the spouse is aged less than 50 years, then a family floater cover can be offered considering the premium of age 50 years discounted by 10% for the spouse.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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