Star Hospital Cash Insurance Policy
IRDAI UIN: SHAHLIP20046V011920
Hospital Cash Days
Day Care Procedures
Hospital Cash Amount (Per Day)
Understand what’s included
Sickness Hospital Cash
Daily hospital cash due to sickness is provided up to the hospital cash amount for the maximum number of days chosen by the insured. Under Basic plan, one day deductible is applicable.
Accident Hospital Cash
Daily hospital cash due to accidents is provided up to 150% of the hospital cash amount opted by the insured person for the maximum number of days chosen by the insured.
ICU Hospital Cash
Daily hospital cash for ICU expenses due to sickness or injury is provided up to 200% of the hospital cash amount opted by the insured person. The maximum number of hospital cash days varies between individual and floater policies.
Convalescence Hospital Cash
In case of hospitalisation beyond 5 consecutive days, one day additional hospital cash amount is provided as convalescence hospital cash.
Child Birth Hospital Cash
Female insured persons are eligible to avail daily hospital cash benefit towards childbirth after a waiting period of 2 years from the first commencement of this policy.
Worldwide Hospital Cash
In case of hospitalisation towards illness or injury outside India, 200% of daily hospital cash amount subject to maximum number of days chosen by the insured person is provided.
Day Care Procedures
Expenses incurred for the specified day care treatments mentioned in the policy clause are covered up to five times in a policy year.
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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Star Hospital Cash Insurance Policy
There is no doubt that health care costs are high today, and they are only rising. Vector-borne, air-borne and water-borne infections could easily cost a person’s entire monthly savings. You can, of course, get your regular health coverage to cover your hospital expense. But once you land in a hospital, you may encounter many other miscellaneous costs and unavoidable expenses.
A hospital cash insurance policy can offer some relief here, and one of the best features of the hospital cash policy is that even the little things are covered for you. With this plan in place, your day-to-day needs be taken care of. The Star Hospital Cash Policy can be an additional benefit plan along with your existing health insurance policy. To cover you with a fixed amount of money for each day of hospitalisation. This payment can be utilised for miscellaneous expenses during your hospital stay. Besides, this policy will also be beneficial for the insured to cover any other out-of-pocket expenses like petrol, food for the attendant, etc. incurred outside the hospital. For example, the coverage in your hospital cash policy is Rs. 1000 per day, the insurer will pay you Rs. 1000 for each day during the entire period of your hospitalisation. However, it is entirely up to you how to spend the funds.
They also work very well as an add-on to your existing health medical policy. You simply have to choose the daily cash limit and the number of days covered as available in the policy.
Star Hospital Cash Insurance Policy provides daily hospital cash during the insured’s confinement in the hospital in addition to any in and out expenses. The policy can be an add-on to all the medical plans offered by Star Health.
Features of Star Hospital Cash Insurance Policy
Star Hospital Cash Insurance Policy can be purchased by individuals and families between the age of 18 years and 65 years, including your spouse and up to 3 dependent children between the age of 3 months and 25 years.
Two plans are available - a Basic Plan and an Enhanced Plan - on both individual and floater basis. Under both basic and enhanced plans, the policy holder can choose a combination of hospital cash amounts per day and the number of hospital cash days. The table below illustrates the options of hospital cash amount and number of hospital cash days.
|Plan type||Hospital cash amount||Number of hospital cash days|
|Basic Plan||Rs. 1000, Rs. 2000, Rs. 3000||30/60/90/120/180 days|
|Enhanced Plan||Rs. 3000, Rs. 4000, Rs. 5000||90/120/180 days|
Available for - 1 year / 2 years / 3 years
Illness contacted within 30 days of the policy inception date is not covered. The exception is in case of an accident. Coverage for specified illnesses/ surgeries becomes effective after 24 months. Pre-existing diseases are covered after a waiting period of 36 months (basic plan) and 24 months (enhanced plan) from the policy inception date.
As per IRDAI guidelines on portability, the insured person has the provision to port the policy to another insurer by applying to that insurer to port the entire policy. All family members can port at least 45 days before, but not earlier than 60 days before, the renewal date.
A free-look period of 15 days from the date of receipt of the policy is available for reviewing the policy’s terms and conditions. If the insured is not satisfied with the policy, they will have an option of cancelling the policy within the stipulated period. However, this feature is not applicable for policy renewals.
What is covered in the Star Hospital Cash Insurance Policy (basic and enhanced plan)?
The Star Hospital Cash Insurance Policy will provide daily cash benefits when the insured person(s) are required to be hospitalised for treatment for at least 24 hours for the maximum number of days chosen by the insured. The plan will cover expenses incurred towards the following as per the terms of the policy.
- Sickness hospital cash - Hospital Cash Amount (per day) for the maximum number of days chosen by the insured. Applicable for both basic and enhanced plans.
- Accident hospital cash - 150% of the Hospital Cash Amount (per day) for the maximum number of days chosen by the insured.
- ICU hospital cash - 200% of the Hospital Cash Amount (per day) chosen by the insured. Where the policy is issued on Individual Basis, ICU Hospital Cash is payable for a maximum of 30 days only in a policy year. Where the policy is issued on Floater Basis, ICU Hospital Cash is payable for a maximum of 90 days only in a policy year.
- Convalescence hospital cash - If Hospitalization is beyond 5 consecutive days one-day additional Hospital Cash amount is given as Convalescence Cash Benefit. This is not applicable for the basic plan.
- Child Birth hospital cash - This benefit is subject to a waiting period of 2 years from the first commencement of this Star Hospital Cash Insurance Policy. Only female insured persons are eligible for this benefit. This does not apply to the basic plan.
- Worldwide hospital cash - If the Insured Person is Hospitalized outside India for treatment of Illness or Injury, 200% Hospital Cash Amount (per day) chosen by the insured person is payable. Not applicable to the basic plan.
- Daycare procedures - Fractures (other than hairline fractures), Cataract, Dilatation and curettage, Hemodialysis, Parenteral Chemotherapy, Radio Therapy, Coronary Angiography, Lithotripsy, Manipulation for Dislocation under General Anaesthesia, Cystoscopy under General Anesthesia. The above mentioned covers 1, 2, 3 and 6 are applicable for these daycare treatments. Insured person is eligible for a claim in respect of the above said daycare treatments only five times in a policy year.
Why choose Hospital Cash Health Policy from Star Health Insurance?
How to register a claim for the Star Hospital Cash Insurance plan?
Star Health offers hassle-free claim settlement for all its customers. You can get a reimbursement for Star Hospital Cash Insurance Plan.