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Star Women Care Insurance Policy

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Plan Essentials


Unique Policy

A policy specifically designed to cover the health needs of women and her family.

Mid-Term Inclusion

With an additional premium, the newly married spouse, newborn baby and/or legally adopted child can be included in the policy. The waiting periods will be applicable from the date of inclusion of new joiners.

Maternity Benefit

Delivery expenses including the normal and Caesarean section (both pre-natal and post-natal) are covered up to the limits mentioned in the policy clause.

Assisted Reproduction Treatment for Sub-fertility

Expenses incurred for proven Assisted Reproduction Treatments are covered up to the specified limits.

Bariatric Surgery

Hospitalisation expenses incurred for Bariatric surgical procedures are covered up to the limits of Rs. 2,50,000/- and Rs. 5,00,000/- which are inclusive of pre and post hospitalisation expenses.

Hospitalisation Expenses for Treatment of New Born Baby

Hospitalisation expenses for the treatment of newborn are covered including vaccination expenses up to 12 months.

Ante-Natal Care (Pregnancy Care)

This policy covers Outpatient expenses incurred for ante-natal care after confirmation of pregnancy up to the limits specified.

Optional Cover (Lump sum on Diagnosis of Cancer)

This policy provides lump sum cover as an optional benefit for first time diagnosis of Cancer.

Understand what’s included


Policy Type

This policy can be availed either on an Individual or Floater basis.

Policy Term

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

Pre-Medical Examination

No pre-acceptance medical screening is required to avail this policy. However, pregnant women need to submit their scan reports taken at Star Health specified scan centres during the 12th and 20th week of their pregnancy. The incurred costs of such a scan need to be borne by the insured.

Individual Entry Age

Only female individuals aged between 18 and 75 years can avail this policy as Individual Sum Insured.

Floater Entry Age

To avail the Floater Sum Insured there should be at least one female adult in the family aged between 18 and 75 years. This policy covers a maximum of up to three dependent children from 91 days to 25 years. Under this policy, the insured's daughter can continue to be covered max up to 30 years of age, if she is unmarried and/or unemployed.

Sum Insured

The Sum Insured options under this policy are Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- , Rs.25,00,000/-, Rs.50,00,000/- and Rs.1,00,00,000/-.

In-Patient Hospitalisation

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 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 per day for Rs. 5 lakh Sum Insured; any room (except suite or above category) for Rs. 10/15/20/25 lakh Sum Insured options, and any room for Rs. 50/100/ lakh Sum Insured options.

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 10% of the Sum Insured for the entire policy period.

Modern Treatment

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.

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.

Day Care Procedures

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

Star Mother Cover

Covers the expenses of a Single Private A/c Room for the stay of the mother in the hospital if the insured person is a child of age less than 12 years, provided the child is treated in ICU and there is an admissible claim for hospitalisation.

Shared Accommodation

Expenses incurred on occupying a shared accommodation by the insured person are covered up to the limits mentioned in the policy clause.

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 Sum Insured whichever is less, per policy year.

Organ Donor Expenses

In-patient hospitalisation 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.

In Utero Fetal Surgery / Repair

Expenses incurred for In Utero Fetal surgeries and procedures mentioned in this policy are covered with a waiting period. However, the waiting period will not apply for treatment related to congenital disease/defects for the new born.

Voluntary Sterilisation Expenses

Expenses incurred for Voluntary Sterilisation (Tubectomy / Vasectomy) are covered after a waiting period, provided if the insured person is married and he/she is 22 years and above.

Miscarriage due to Accident

Lump Sum is provided for miscarriage arising due to an accident as per the limits of the policy, subject to a waiting period.

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.

Outpatient Consultations

Expenses incurred on medical consultations as an outpatient are covered up to the limits as mentioned in the policy.

Preventive Health Check Up

Health check-up expenses incurred for the tests mentioned in the policy document are covered for every policy year up to the specified limits.

Automatic Restoration of Sum Insured

On partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the same policy year that can be utilised for all claims and subsequent hospitalisation.

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.

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.

Long-Term discount

Avail 10% discount on 2nd year premium and 11.25% on 2nd and 3rd year premium.

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.

Surrogacy Cover

The company will indemnify the inpatient hospitalization expenses covering post-partum delivery complications for a period of 36 months incurred for the Surrogate mother up to the sub-limits specified under “Assisted Reproduction Treatment”. The cover will commence from the date of initiation of the treatment/procedure. The company will pay lump sum amount in case of “Miscarriage due to Accident” for surrogate mother as specified under the coverage “Miscarriage due to Accident” and waiting period mentioned under this cover is not applicable.

Oocyte Donor cover

The company will indemnify the inpatient hospitalization expenses for the complications arising out of Assisted Reproductive Treatment Procedures, for the Oocyte donor up to the sub-limits specified under “Assisted Reproduction Treatment” for a period of 12 months. The cover will commence from the date of initiation of the treatment/procedure.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.

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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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