BOI Star Health Assure Insurance Policy

Age

• Any person aged between 91 days and 75 years can avail this policy on an Individual basis.
• 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 17 years are covered.

Waiting Period

• For Pre-Existing Diseases (3 year term) - 30 months
• For Pre-Existing Diseases (1 and 2 year term) - 36 months
• For Specific Diseases/Procedures - 24 months Initial Waiting Period - 30 days

Copayment Deductibles

• 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.

Renewability and Coverage

• Medical Examination
• In-Patient Hospitalisation
• Pre-Hospitalisation
• Post-Hospitalisation
• Room Rent
• Shared Accommodation
• Coverage for Non-medical Items
• Road Ambulance
• Air Ambulance
• Domiciliary Hospitalisation
• Day Care Procedures
• Modern Treatment
• Organ Donor Expenses
• Rehabilitation & Pain Management
• AYUSH Treatment
• Compassionate Travel

Additional Benefits

• Repatriation of Mortal Remains
• In Utero Fetal Surgery / Intervention
• Treatment in Valuable Service Providers Network
• 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
• 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.
• Health Check-Up Assure
• Second Medical Opinion
• Star Wellness Program
• Instalment Options