IDFC Star Health Assure Insurance Policy

Age

• Floater Sum Insured · For Adults – Minimum - 18 years & Maximum - Up to 75 years
• For Dependent Children - Minimum - 16 days & Maximum - Up to 17 years

Tax Benefits

• Payment of premium by any mode other than cash for this insurance is eligible for relief under Section 80D of the Income Tax Act 1961

Specific Exclusions

• Pre and Post treatment expenses
• Sub-fertility services that are deemed to be unproven, experimental or investigational
• Services not in accordance with standards of good medical practice and not uniformly recognized and professionally endorsed by the general medical community at the time it is to be provided.
• Reversal of voluntary sterilization
• Treatment undergone for second or subsequent pregnancies except where the child from the first delivery/ previous deliveries is/are not alive at the time of treatment
• Payment for services rendered to a surrogate
• Costs associated with cryopreservation and storage of sperm, eggs and embryos
• Selective termination of an embryo.
• Services done at unrecognized centre
• Surgery / procedures that enhances fertility like Tubal Occlusion, Bariatric Surgery, Diagnostic Laparoscopy with Ovarian Drilling and such other similar surgery / procedures

Renewability and Coverage

• Renewability: Lifetime
• Medical Examination - No pre-medical check-up is required to avail this policy. However, those who declare adverse medical history may be subjected to pre-medical check-up at Company's cost
• 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 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. 50/75/100/200 lakh Sum Insured options
• Domiciliary Hospitalization - 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.
• 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.
• Automatic Restoration of Sum Insured for an unlimited no. of times in a policy year
• Home care treatment for the specified conditions
• Ayush Treatment covered upto the sum insured
• Modern Treatments are covered - Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the Sum Insured.
• Delivery Expenses, Assisted Reproduction Treatment (For Sub-fertility)
• Treatment of New Born Baby are covered with sublimits
• In Utero Fetal Surgery / Intervention is covered upto the Sum Insured
• Organ Donor Expenses -

Additional Benefits

• Wellness discount is available up to 20% on the renewal premium
• Assured health checkup benefit is available every year (Irrespective of claim)
• Rehabilitation and Pain management is covered.
• Option is available to choose Deductible
• 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.
• Compassionate Travel
• 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.
• 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 Insure