Star Health Premier Insurance Policy
IRDAI UIN: SHAHLIP22226V012122
Outpatient Medical Expenses
Automatic Restoration of Sum Insured
Health Check-Up Discount
Understand what’s included
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.
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.
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
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 medical expenses incurred up to 90 days from the date of discharge from the hospital are covered.
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.
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 expenses are covered up to Rs. 2.5 lakh per hospitalisation to the maximum of up to Rs. 5 lakh per policy period.
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.
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.
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.
Expenses incurred on hospitalisation for Bariatric surgical procedures are covered up to the limits mentioned in the policy clause.
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 is provided at 20% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured.
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 expenses are covered up to the specified limits for every claim-free year.
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%.
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.
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.
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Tiji K Oommen
Tiji K Oommen
My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
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