Young Star Extra Protect–Add on Cover

Section - I

1. Enhanced Room Rent: Room, boarding, nursing expenses all inclusive as provided by the hospital / nursing home as per the limits given below:

2. CLAIM GUARD (Coverage for Non-medical Items (Consumables)): If there is an admissible claim under the base policy, then the expenses towards the following items will become payable.

The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.

3. Enhanced Limit for Modern treatments: The following procedures covered under the Base policy with sub-limits are covered up to the Sum Insured of the base policy.

The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.

4. Ayush treatment: Medical expenses for In-patient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in an AYUSH Hospital are payable up to the Sum Insured of the Base Policy.

Note: Yoga and naturopathy systems of treatments are excluded from the scope of coverage under AYUSH treatment.
The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.

5. Home Care Treatment: Payable up to 10% of the Sum Insured of the Base Policy, subject to a maximum of Rs.5,00,000/- in a policy year, for treatment availed by the insured person at home, only for the specified conditions mentioned below, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:

A) the medical practitioner advises the insured person to undergo treatment at home
B) there is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment
C) daily monitoring chart including records of treatment administered duly signed by the treating doctor are maintained
D) Insured can avail ‘'Home Care Treatment'' service on cashless / reimbursement basis, if availed from our network service providers given in our website ''www.starhealth.in''

List of treatments / conditions covered under Home Care Treatment:

1. Fever and infectious diseases which can be managed as In-patient
2. Uncomplicated urinary tract infections but needing parenteral antibiotics
3. Asthma and COPD-Mild Exacerbations needing Home Nebulization
4. Acute Gastritis/Gastroenteritis
5. I.V. Chemotherapy [Where advised by the doctor]
6. Palliative Cancer Care requiring medical assistance
7. Acute Vertigo
8. Diabetic Foot and Cellulitis
9. IVDP [Cervical and Lumbar Disc diseases]
10. Major surgeries/Arthroplasties needing IV Antibiotics Post Discharge
11. Care for Brain and Spinal Injury Cases Post Discharge
12. Post CVA Care at Home after discharge

The amount payable under this clause shall be part of the Sum Insured under the Base Policy and not in addition to the same.

6. Bonus Guard

I. Cumulative bonus available under Base Policy will not be reduced at the time of renewals unless the bonus is utilized.
II. On full utilization of Sum Insured and nil utilization of cumulative bonus accrued, such cumulative bonus so granted under the Base Policy will not be reduced
III. On full utilization of Sum Insured and partial utilization of cumulative bonus accrued, the cumulative bonus granted under the Base Policy on renewal will be the balance cumulative bonus available
IV. On full utilization of Sum Insured and full utilization of cumulative bonus accrued, the cumulative bonus granted under the Base Policy on renewal will be “nil”

Premium details

General Conditions:

1. The Add on Cover can be purchased along with the Base Policy only (with Rs.10,00,000/- and above Sum Insured) either at Inception or during Renewal of the Base Policy.
2. The Add on Cover shall be available only if the same is specifically mentioned in the Base Policy Schedule.
3. Any claim under this Add on Cover will be subject to an admissible claim under the Base Policy.
4. Wherever the benefits mentioned in the Add on Covers are already available in the Base Policy, the Add on Cover benefits shall supersede the existing benefits. 
5. The limits under the Add on Cover shall not be in addition to the limits under the Base Policy.
6. Wherever the benefits mentioned in the Add on Cover are not available in the Base Policy, the Add on Cover benefits will get added to the existing benefits of the Base Policy.
7. During renewal, if insured reduces the Base Policy Sum Insured to below Rs.10,00,000/-, the Add on Cover will not be available.
8. In case if insured migrates from the existing Base Policy to any other product offered by the Company, providing of the Add on Cover is subject to the availability of Add on Cover in the migrated product.
9. If this Add on Cover is opted, Insured cannot opt-out of the same at the time of renewal provided the Sum Insured is Rs.10,00,000/- and above.

Tax Benefits

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
 

Free Look Period

The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.

The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.

I. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
II. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
III. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period