Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Star Health Assure Insurance Policy
The Star Health Assure Insurance Policy is a comprehensive health insurance plan designed to provide extensive health coverage for individuals and families. This insurance plan offers a wide range of benefits, including hospitalisation, pre- and post-hospitalisation expenses. With the health insurance
IRDAI UIN : SHAHLIP26048V032526
HIGHLIGHTS
Plan Essentials
Wide Cover
This policy provides wide coverage including self, spouse, dependent children (maximum 3), parents and parents-in-law.
Mid-Term Inclusion
Newly married / wedded spouse, New Born Baby and legally adopted child can be covered under the policy on payment of an additional premium.
Delivery Expenses
Delivery expenses including the Caesarean section (both pre-natal and post-natal) are covered up to 10% of the Sum Insured.
New Born Cover
Hospitalisation expenses for the treatment of newborn are covered from day one of birth till the expiry date of the policy subject to limits. However, the sublimit will not apply for treatment related to congenital Internal disease/defects for the new born.
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 unlimited number of times in the policy year that can be utilised for all the claims.
Home Care Treatment
Expenses incurred for home care treatment for specified conditions are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5 Lakh in a policy year. The insured person can avail this service on cashless basis.
Chronic Severe Refractory Asthma
In-patient hospitalisation, Day Care, Home Care and Outpatient expenses incurred for the treatment of Chronic Severe Refractory Asthma are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5,00,000/- per policy period.
Assisted Reproduction Treatment
Expenses incurred for proven Assisted Reproduction Treatments are covered up to the specified limits.
Detailed List
Understand what’s included
IMPORTANT HIGHLIGHTS
Policy Type
This policy can be availed either on an Individual or Floater basis.
Individual Entry Age
Any person aged between 91 days and 75 years can avail this policy on an Individual basis.
Floater Entry Age
Any person aged between 18 and 75 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 16 days and 25 years are covered.
In-Patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
Pre-Hospitalisation
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
Post-hospitalisation medical expenses incurred up to 180 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. 5/7.5 lakh Sum Insured options; Any room (except suite or above category) for Rs. 10/15/20/25 lakh Sum Insured options; and Any Room for Rs. 50/75/100/200 lakh Sum Insured options.
Shared Accommodation
Expenses incurred on occupying a shared accommodation by the insured person are covered up to the limits mentioned in the policy clause.
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.
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 (if it is in the same city).
Air Ambulance
Air ambulance expenses are covered up to 10% of the Sum Insured per policy year, provided the situation requires an immediate hospitalisation of the insured person and ground transportation cannot be provided.
Domiciliary Hospitalisation
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.
Modern Treatment
Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the Sum Insured.
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.
Rehabilitation & Pain Management
Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 20% of the Sum Insured whichever is less, per policy year.
AYUSH Treatment
Expenses incurred for the treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured.
Compassionate Travel
The air transportation expenses incurred up to Rs. 10,000/- are payable for an immediate family member to travel to the hospital in case of hospitalisation of the insured person for life-threatening emergency times, at the place away from insured’s usual place of residence.
Repatriation of Mortal Remains
The expenses incurred for the repatriation of mortal remains of the insured person are covered up to Rs. 15,000/- in a policy year.
In Utero Fetal Surgery / Intervention
Expenses incurred for In Utero Fetal surgeries and procedures mentioned in this policy are covered with a waiting period of 24 months. Note: The waiting period will not apply for the treatment related to congenital Internal disease/defects for the Unborn.
Treatment in Valuable Service Providers Network
In the event of hospitalisation in Valuable Service Provider, then a lump-sum of 1% of the Sum Insured subject to a maximum of Rs. 5,000/- per policy period is provided.
Cumulative Bonus
Cumulative bonus is provided at 25% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured.
Deductible - Optional Cover
Insured person can avail premium discount if he/she choose any of the deductibles as mentioned in this policy.
Co-Payment
If the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount.
Preventive Health Check-up
We will arrange for a Preventive Health Check-up at Our Network Providers for the applicable limits as per opted Sum Insured.
E-Domestic Second Medical Opinion
The Insured person can avail a Second Medical Opinion from a Doctor in the Company's network of medical practitioners.
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 points can be utilised for availing renewal discounts up to a maximum of 20%.
Waiting Period
1. For Pre-Existing Diseases (3 year term) - 30 months 2. For Pre-Existing Diseases (1 and 2 year term) - 36 months 3. For Specific Diseases/Procedures - 24 months Initial Waiting Period - 30 days
Instalment Options
The policy premium can be paid on a monthly, quarterly or half-yearly basis.This facility is not available for long-term (2 & 3 year term) options.
Unlimited Tele-Consultation
Insured can avail unlimited number of Tele-consultations on Star Health mobile application or digital platforms.
AI-Driven Face Scan
The Insured Person can avail, AI-driven face scan facility by using Star Health mobile app to know the vital parameters such as heart rate, oxygen saturation, respiration rate up to two times per month per Insured Person in a Policy Year.
Zone A : Delhi including Faridabad, Gurgaon, Ghaziabad, Noida, Mumbai MMR including Thane, Ahmedabad, Surat and Vadodara
Zone B : Pune, Nashik, Trivandrum, Ernakulam, Chennai, Bengaluru, Hyderabad, Secunderabad and Rest of Gujarat
Zone C : Aligarh, Mathura, Rest of Telangana, Indore, Gwalior, Kollam, Wayanad, Ahmed Nagar, Rest of NCR (including Meerut, Bulandshahar, Saharanpur, Muzaffar Nagar, Alwar, Panchsheel Nagar, Baghpat, Bharatpur, Panipat, Karnal, Hisar, Sonipat, Kurukshetra, Sirsa, Rohtak, Palwal, Kaithal, Fatehabad, Rewari, Bhiwani, Jhajjar, Jind, Mahendragarh, Mewat, Charkhi Dadri)
Zone D: Rest of India
Star Wellness Program
This program intends to promote, incentivize and to reward the Insured Persons' healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium.
This Wellness Program is enabled and administered online through "Star Health" Mobile App.
Note: The Wellness Activities mentioned in the table below (from Serial Number 1 to 5) are applicable for the Insured person(s) aged 18 years and above only. The following table shows the discount on premium available under the Wellness Program;
| Wellness Points Earned | Discount in Premium |
|---|---|
| 200 to 350 | 4% |
| 351 to 600 | 10% |
| 601 to 750 | 14% |
| 751 to 1000 | 20% |
*In case of floater policy the weightage is given as per the following table;
| Family Size | Weightage |
|---|---|
| Self, Spouse | 1:1 |
| Self, Spouse and Dependent Children (up to 17 years) | 1:1:0:0:0 |
| Self, Spouse and Dependent Children (18 years and above) | 2:2:1:1:1 |
Note: In case of two year policy, total number of wellness points earned in two year period will be divided by two.
*Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation.
The wellness services and activities are categorized as below:
| Sr.No | Activity | Maximum number of Wellness Points that can be earned under each activity in a policy year |
|---|---|---|
| 1. | Manage and Track Health | |
| a) Online Health Risk Assessment (HRA) | 50 | |
| b) Preventive Risk Assessment | 200 | |
| 2. | Affinity to Wellness | |
| a) Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 | |
| b) Membership in a health club (for 1 year or more) | 100 | |
| 3. | Stay Active – If the Insured member achieves the step count target on "Star Health" Mobile App | 200 |
| 4. | a) Weight Management Program (for the Insured who is Overweight / Obese) | 100 |
| b) Sharing Insured Fitness Success Story through adoption of Star Wellness Program (for the Insured who is not Overweight / Obese) | 50 | |
| 5. | a) Chronic Condition Management Program (for the Insured who is suffering from Chronic Condition/s - Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 250 |
| b) On Completion of De-Stress & Mind Body Healing Program (for the Insured who is not suffering from Chronic Condition/s - Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 125 | |
| Additional Wellness Services | ||
| 6. | Medical Concierge Services | |
| 7. | Digital Health Vault | |
| 8. | Wellness Content | |
| 9. | Post-Operative Care | |
| 10 | Discounts from Network Providers |
1. Manage and Track Health:
a) Completion of Health Risk Assessment (HRA):
The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per policy year.
On Completion of online HRA questionnaire, the Insured earns 50 wellness points.
Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.
b) Preventive Risk Assessment:
The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the policy year. These tests should include the four mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses.
- If all the results of the submitted test reports are within the normal range, Insured earns 200 wellness points.
- If the result of any one test is not within the normal range as specified in the lab report, Insured earns 150 wellness points.
- If two or more test results are not within the normal range, Insured earns 100 wellness points only.
Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.
| List of mandatory tests under Preventive Risk Assessment |
|---|
| 1.Complete Haemogram Test |
| 2.Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c) |
| 3.Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL Cholesterol Ratio) |
| 4.Serum Creatinine |
2. Affinity towards wellness:
Insured earns wellness points for undertaking any of the fitness and health related activities as given below.List of Fitness Initiatives and Wellness points:
| Initiative | Wellness Points | |
|---|---|---|
| a. | Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 |
| On submission of BIB Number along with the details of the entry ticket taken to participate in the event. | ||
| b. | Membership in a health club (for 1 year or more) - In a Gym / Yoga Centre / Zumba Classes / Aerobic Exercise/ Sports Club/ Pilates Classes/ Swimming / Tai Chi/ Martial Arts / Gymnastics/ Dance Classes | 100 |
| Note: In case if Insured is not a member of any health club, he/she should join into club within 3 months from the date of the policy risk commencement date. Insured person should submit the health club membership. | ||
3. Stay Active:
Insured earns wellness points on achieving the step count target on "Star Health" Mobile App as mentioned below:
| Average number of steps per day in a policy year | Wellness Points | |
|---|---|---|
| 100 | |
| 150 | |
| 200 | |
Note:
| ||
4. Weight Management Program
a) This Program will help the Insured persons with Over Weight and Obesity to manage their Body Mass Index (BMI) through the empanelled wellness experts who will guide the Insured in losing excess weight and maintain their BMI.
- On acceptance of the Weight Management Program, Insured earns 50 wellness points.
- An additional 50 wellness points will be awarded in case if the results are achieved and maintained as mentioned below.
| Sr.No. | Name of the Ailment | Values to be submitted | Criteria to get the Wellness points |
|---|---|---|---|
| 1. | Obesity (If BMI is above 29) | Height & Weight (to calculate BMI) | Achieving and maintaining the BMI between 18 and 29 |
| 2. | Overweight (If BMI is between 25 and 29) | Height & Weight (to calculate BMI) | Reducing BMI by two points and maintaining the same BMI in the policy year |
| Values (for BMI) shall be submitted for every 2 months (up to 5 times in each policy year) | |||
b) Incase if the Insured is not Overweight / Obese, the Insured can submit his/her Fitness Success Story through adoption of Star Wellness Activities with us. On submission of the Fitness Success Story through adoption of Star Wellness Activities, Insured earns 50 wellness points.
5. Chronic Condition Management Program:
a)This Program will help the Insured suffering from Diabetes, Hypertension, Cardiovascular Disease or Asthma to track their health through the empanelled wellness experts who will guide the insured in maintaining/ improving the health condition.
- On acceptance of the Chronic Condition Management Program, Insured earns 100 wellness points.
- The Insured has to submit the test result values for every 3 months maximum up to 3 times in a policy year.
- If the test result values are within +/- 10% range of the values given below, for at least 2 times in a policy year, an additional 150 wellness points will be awarded.
- These tests reports to be submitted within 1 month from the date of undergoing the Health Check-Up
| Sr.No. | Name of the Ailment | Test to be submitted | Values Criteria to get the additional Wellness points |
|---|---|---|---|
| 1. | Diabetes(Insured can submit either HbA1c test value (or) Fasting Blood Sugar (FBS) Range and Postprandial test value) | HbA1c | ≤ 6.5 |
| Fasting Blood Sugar (FBS) Range | 100 to 125 mg/dl | ||
| Postprandial test value | below 160 mg/dl | ||
| 2. | Hypertension | Measured with - BP apparatus | Systolic Range - 110 to 140 mmHg Diastolic Range - 70 to 90 mmHg |
| 3. | Cardiovascular Disease | LDL Cholesterol | 100 to 159 mg/dl |
| Total Cholesterol / HDL Cholesterol Ratio | ≤ 4.0 | ||
| 4. | Asthma | PFT (Pulmonary Function Test) | FEV1 (PFC) is 75% or more FEV1/ FVC is 70% or more |
b) In case if the Insured is not suffering from Chronic Condition/s (Diabetes, Hypertension, Cardiovascular Disease or Asthma) he/she can opt for “De-Stress & Mind Body Healing Program”. This program helps the Insured to reduce stress caused due to internal (self-generated) & external factors and increases the ability to handle stress.
- On acceptance of De-stress & Mind Body Healing Program Insured earns 50 wellness points.
- On completion of De-stress & Mind Body Healing Program Insured earns an additional 75 wellness points.
Note: This is a 10 weeks program which insured needs to complete without any break.
6. Medical Concierge Services:
The Insured can also contact Star Health to avail the following services:- Emergency assistance information such as nearest ambulance / hospital / blood bank etc.
7. Digital Health Vault:
A secured Personal Health records system for Insured to store/access and share health data with trusted recipients. Using this portal, Insured can store their health documents (prescriptions, lab reports, discharge summaries etc.), track health data add family members.
8. Wellness Content:
The wellness portal provides rich collection of health articles, blogs, tips and other health and wellness content. The contents have been written by experts drawn from various fields. Insured will benefit from having one single and reliable source for learning about various health aspects and incorporating positive health changes.
9. Post Operative Care:
It is done through follow up phone calls (primarily for surgical cases) for resolving their medical queries.
10. Discounts from Network Providers:
The Insured can avail discounts on the services offered by our network providers which will be displayed in our website.
Terms and conditions under wellness activity
- Any information provided by the Insured in this regard shall be kept confidential.
- There will not be any cash redemption against the wellness reward points.
- Insured should notify and submit relevant documents, reports, receipts etc for various wellness activities within 1 month of undertaking such activity/test.
- For services that are provided through empanelled service provider, Star Health is only acting as a facilitator; hence would not be liable for any incremental costs or the services.
- All medical services are being provided by empanelled health care service provider. We ensure full due diligence before empanelment. However Insured should consult his/her doctor before availing/taking the medical advices/services. The decision to utilize these advices/services is solely at Insured person’s discretion.
- We reserve the right to remove the wellness reward points if found to be achieved in unfair manner.
- Star Health, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, are not responsible or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Member claims to have suffered, sustained or incurred, by way of and / or on account of the Wellness Program.
- Services offered are subject to guidelines issued by IRDAI from time to time.
ILLUSTRATION OF BENEFITS:
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
Scenario A 50 year old Individual Suresh and his wife Lakshmi along with their two dependent children (aged below 18 yrs) buy a Star Health Assure Insurance Policy with Sum Insured 20 Lacs, let’s understand how they can earn Wellness Points under the Floater Policy. Suresh has declared that he is suffering from Diabetes & Hypertension. Suresh has declared his Body Mass Index (BMI) as 30 & Lakshmi has declared her BMI as 25 Suresh and Lakshmi enrolled under the Star wellness program and completed the following wellness activities. | |||
|---|---|---|---|
| Sr. No | Name of the wellness activity taken up during the policy year | Wellness Points Earned by Suresh | Wellness Points Earned by Lakshmi |
| 1. | Completed Online Health Risk Assessment (HRA) | 50 | 50 |
| 2. | Submitted Health Check-Up Report | 200 | 200 |
| 3. | Participation in Marathon | 100 | 0 |
| 4. | Attended to Gym | 100 | 100 |
| 5. | Achieved 10,000 average number of steps per day during the policy year | 200 | 200 |
| 6. | Suresh accepted the Weight management program and reached 27 BMI | 100 | 100 |
| 7. | Suresh Managed Diabetes & Hypertension through Chronic Condition Management Program | 250 | 125 |
| Total Number of Wellness Points earned | 1000 | 775 | |
| No of wellness points based upon weightage - 1:1 | 500 (1000X1/2) | 388 (775X1/2) | |
| Total Number of Wellness Points earned by Suresh and Lakshmi = 888 (500+388) Based on the no of Wellness Points earned, Suresh & Lakshmi are eligible to get 20% discount on renewal premium | |||
Waiting Period
1. For Pre-Existing Diseases (3 year term) - 30 months
2. For Pre-Existing Diseases (1 and 2 year term) - 36 months
3. For Specific Diseases/Procedures - 24 months
4. Initial Waiting Period - 30 days (except accidents)
Coverage for Non-medical Items
Coverage for Non-medical Items (Consumables) available click here to view details
Modern Treatments
Coverage for Modern Treatments please click here
Premium Illustration
Benefit/Premium illustration for Individual and Floater basis please click here
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 Policyholder 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. If the Policyholder is not satisfied with any of the terms and conditions and has not made any claim, the Policyholder has the option to cancel his/her policy. This option is available in case of policies with a term of one year or more.
The Policyholder shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any incurred by the Insurer on medical examination of the proposer and stamp duty charges.
Note: Renewal premium, terms and conditions are subject to change as per the extant Guidelines.
STAR HEALTH
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.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2 hours and 92% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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Star Health Assure Insurance Policy
What is the Star Health Assure Insurance Policy?
This policy is a 360-degree health insurance plan that provides broad coverage for self, spouse, parents, dependent children, and parents-in-law. It is a unique indemnity health insurance product offering extensive medical coverage to individuals and families by automatically restoring the exhausted sum insured an unlimited number of times within a policy year.
The policy can be availed either on an individual or a floater basis and covers hospitalisation expenses due to injuries, accidents, and illnesses. The policy offers multiple sum insured options from Rs. 5 lakhs to Rs. 2 crores based on the customer's requirements.
Some of the key highlights of this policy include a wellness discount of 20% on renewal premiums and no room rent limit for a sum insured of Rs. 10 lakh and above.
The policyholder will get lifelong renewability, and there is an automatic restoration of the sum insured for an unlimited number of times in a particular policy year. Many families also value how Star Assure Insurance provide dependable support to during urgent medical needs.
Benefits of Having a Star Health Assure Insurance Policy
This policy acts as a protective shield that presents a plethora of benefits to its customers.
Below are some of the features and benefits of this policy:
- The policy covers expenses incurred, such as doctor’s fees, hospital room, nursing assistance, etc., if you have at least 24 hours of hospitalisation.
- Non-medical items, such as gloves, masks, oxygen cylinders, etc., are also covered in this plan.
- Air ambulance services, emergency road ambulance, and delivery expenses are covered under the policy.
- Coverage for assisted reproduction treatment, home care, chronic severe refractory asthma, daycare procedures, and domiciliary hospitalization make this policy highly effective
- The policy provides a premium discount Up to55% if the insured opts for a voluntary deductible of Rs. 50,000 or Rs. 1 lakh, depending on the sum insured.
- Under the Preventive Health Check-up benefit, this policy pays for your preventive health check-ups every year.
- The cumulative bonus increases the sum insured of the policy by 25% for each claim-free year, up to a maximum increase of 100%.
Exclusions of the Star Health Assure Insurance Policy
Though the policy comes with multiple benefits, the plan excludes the following expenses:
- Obesity and weight control treatments
- Vaccination or inoculation
- Treatment for alcohol or drug addiction
- Intentional self-injury
- Sterility and infertility: Treatments taken outside India
- Treatment for injuries obtained while participating in adventure or hazardous sports
- Congenital external defects
- Cosmetic or plastic surgery
- Unproven treatments
- Dietary supplements and substances
The policy offers a range of additional benefits to its customers. Choose this plan and reap lifetime benefits!
HELP CENTRE
Confused? We’ve got the answers
Get all your Health Insurance related doubts clarified.
1. Floater:
- For Adults – Minimum - 18 years & Maximum - Up to 75 years
- For Dependent Children - Minimum - 16 days & Maximum - Up to 25 years
- In the case of dependent children, at the time of renewal, when they reach 26 years of age, they can continue under the floater sum insured until they get married.
2. Individual:
- Minimum - 91 days and Maximum up to 75 years.
- For Children - A good health declaration should be provided along with the paediatrician's opinion. The proposal should be routed through our Central Medical Underwriting Team.
Yes, family members can be covered under the Star Assure policy.
You can include your spouse, dependent children, parents, and sometimes even parents‑in‑law based on the plan option you choose.
Under this policy, the sum insured is automatically restored when it gets fully used up during a policy year. The restoration happens once, and it can be used for future claims in the same year. It cannot be used for the same illness where the claim was already made, but it helps you stay protected if a new medical issue occurs after the original cover is exhausted.
No, this policy does not offer unlimited restoration. The sum insured is restored only a limited number of times as specified in the policy. Once those restorations are used up for the year, no further restoration is available.
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Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
