Quick Links
IMPORTANT HIGHLIGHTS
In-Patient Hospitalization
Hospitalization
expenses incurred for a period of more than 24 hours on account of illness,
injury or accidents are covered.
Pre-Hospitalization
In
addition to in-patient hospitalization, the medical expenses incurred up to 60
days before the date of admission to the hospital are also covered.
Post-Hospitalization
Post-hospitalization
medical expenses up to 90 days from the date of discharge from the hospital are
covered as per the limits mentioned in the policy clause.
Room Rent
Room
(Single Private A/C Room), boarding and nursing expenses incurred during
in-patient hospitalization are covered.
Road Ambulance
Ambulance
charges incurred for transporting the insured person by private ambulance
services to the hospital and from one hospital to another hospital for better
treatment are covered.
Day Care Procedures
Medical
treatments and surgical procedures that require less than 24 hours of hospitalization
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 limits mentioned in
the policy clause.
Additional Basic Sum Insured for Road
Traffic Accident (RTA)
If
the basic Sum Insured gets exhausted, then for hospitalization due to Road
Traffic Accidents, it will be increased by 25% to the maximum of Rs.
10,00,000/-.
Automatic Restoration of the Basic Sum
Insured
On
partial or full utilization of the Sum Insured during the policy period, 100%
of the Sum Insured will be restored once in the same policy period.
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
Online Discount
A
5% discount on premium is available for purchasing the policy for the first
time through online.
Special Discount
A
10% discount on premium is applicable on purchasing the policy before 36 years
of age and renewing it after 40 years of age.
HIGHLIGHTS
Plan Essentials
Mid-Term Inclusion
The newly married spouse, new-born
baby and/or legally adopted child can be included in the policy by paying an
additional premium. The waiting periods will be applicable from the date of
inclusion of new joiners.
Entry Age
Any person aged
between 18 and 40 years can avail this policy. Under the Floater basis, a
maximum of up to three dependent children aged between 91 days and 25 years are
covered.
Special Discount
A 10% discount on premium is applicable on
purchasing the policy before 36 years of age and renewing it after 40 years of
age.
Star Wellness Program
The wellness points earned for indulging in healthy
lifestyle activities can be utilized for availing discounts up to 2-10% at the
time of policy renewals.
Additional Basic Sum Insured for Road Traffic
Accident
If the basic Sum Insured gets exhausted, then for
hospitalization due to Road Traffic Accidents, it will be increased by 25% to
the maximum of Rs. 10,00,000/-.
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. This facility will be available only for
the Sum Insured of Rs. 5 lakhs and above.
Medical Examination
Pre-medical
test is not mandatory to avail this policy.
Policy Type
This
policy can be availed either on an Individual or Floater basis.
