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

Waiting Period

• Delivery Expenses Cover: Benefit under this section is subject to a waiting period of 24 months from the date of first commencement of Star Health Assure Insurance policy and its continuous renewal thereof with the Company
• In Utero Fetal Surgery / Intervention: The Company will pay the expenses incurred for In Utero Fetal Surgeries and Procedures mentioned below after the waiting period of 24 months from the date of inception of this policy
• Assisted Reproduction Treatment: A waiting period of 24 months from the date of first inception of this policy with the Company for the insured person
• New Born Baby Cover: This cover is available only If Delivery Expenses Claim is paid under this policy or if Mother is covered under this policy for a continuous period of 12 months without break

Hospital Benefits

• 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.
• 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
• Assured health checkup benefit is available every year(Irrespective of claim)

Copayment Deductibles

• Rehabilitation and Pain management is covered. - Option is available to choose Deductible

Renewability and Coverage

• Coverage up to 2cr
• Up to 9 family members can be covered
• Day Care Procedures
• Coverage for Non-medical Items
• Ayush Treatment covered upto the sum insured
• Organ Donor Expenses
• 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.
• 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).
• Compassionate Travel
• Renewability: Lifetime

Additional Benefits

• Automatic restoration for unlimited no. of times in a policy year
• Health check up every policy year
• Up to 20% wellness discount
• Automatic Restoration of Sum Insured for an unlimited no. of times in a policy year
• Home care treatment for the specified conditions
• Wellness discount is available up to 20% on the renewal premium