Star Women Care Insurance Policy
IRDAI UIN : SHAHLIP23132V022223
HIGHLIGHTS
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.
DETAILED LIST
Understand what’s included
IMPORTANT HIGHLIGHTS
Policy TypeThis policy can be availed either on an Individual or Floater basis. |
Policy TermThis policy can be availed for a term of one, two or three years. |
Pre-Medical ExaminationNo 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 AgeOnly female individuals aged between 18 and 75 years can avail this policy as Individual Sum Insured. |
Floater Entry AgeTo 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 InsuredThe 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 HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn 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-HospitalisationPost-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered. |
Room RentRoom, 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 AmbulanceThis 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 AmbulanceAir ambulance expenses are covered up to 10% of the Sum Insured for the entire policy period. |
Modern TreatmentExpenses 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 TreatmentIn 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 ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Star Mother CoverCovers 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 AccommodationExpenses incurred on occupying a shared accommodation by the insured person are covered up to the limits mentioned in the policy clause. |
Rehabilitation & Pain ManagementExpenses 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 ExpensesIn-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.
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In Utero Fetal Surgery / RepairExpenses 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 ExpensesExpenses 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 AccidentLump 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 ItemsIf there is an admissible claim under the policy, then non-medical items specified in this policy will become payable. |
Outpatient ConsultationsExpenses incurred on medical consultations as an outpatient are covered up to the limits as mentioned in the policy. |
Preventive Health Check UpHealth 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 InsuredOn 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 BonusCumulative 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 ProgramWellness 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 discountAvail 10% discount on 2nd year premium and 11.25% on 2nd and 3rd year premium. |
Instalment OptionsThe 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. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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PREMIUM CHART
WELLNESS BENEFITS
GENERAL TERMS
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.
Star Advantages
Claims
Hospitals
Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Talk to Star
Dial 7676 905 905 to avail free consultations with our expert doctors via phone, chat or video call.
COVID-19 Helpline
Get free COVID-19 consultation with our health experts between 8 AM and 10 PM. Give a call to 7676 905 905.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and Store pick-ups are available across 2780 cities.
OUR CUSTOMERS
‘Happily Insured!’ with Star Health
We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
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.
Sudhir Bhaiji
Indore
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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.
Tiji K Oommen
Thiruvananthapuram
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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.
Vanishree
Bengaluru
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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.
Ramachandran
Chennai
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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.
Shaila Ganachari
Mumbai
Get InsuredI 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.
Sudhir Bhaiji
Indore
Get InsuredMy 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.
Tiji K Oommen
Thiruvananthapuram
Get Insured
Tiji K Oommen
Thiruvananthapuram
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.
Vanishree
Bengaluru
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.
Ramachandran
Chennai
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.
Shaila Ganachari
Mumbai
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.
Sudhir Bhaiji
Indore
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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