Star Health Assure Insurance Policy

The Star Health Assure Insurance Policy is a comprehensive health insurance plan offering extensive coverage for individuals and families.

Core Benefits

1. Wide Coverage: Covers self, spouse, up to 3 dependent children, parents, and parents-in-law.

2. Mid-Term Inclusion: Includes newly wedded spouse, newborns, or legally adopted children during the policy term with an additional premium.

3. Delivery Expenses: Covers pre- and post-natal delivery expenses, including Caesarean section (up to 10% of the Sum Insured).

4. Newborn Cover: Hospitalization coverage for newborns from day one.

5. Automatic Sum Insured Restoration: 100% restoration of the Sum Insured unlimited times in a year.

6. Home Care Treatment: Covers specific conditions up to 10% of the Sum Insured (max ₹5 lakhs annually).

7. Chronic Conditions: Covers Chronic Severe Refractory Asthma up to ₹5 lakhs.

8. Assisted Reproduction Treatment: Coverage for proven treatments within policy limits.

Policy Features

1. Eligibility:

• Individual: 91 days – 75 years.
• Floater: 18 – 75 years (includes up to 3 dependent children aged 16 days – 17 years).

2. No Pre-Medical Check-Up: For those without adverse medical history.

3. Room Rent:

• ₹5 lakh Sum Insured: 1% per day.
• Higher sums allow better room options.

4. Day Care & Domiciliary Coverage: Includes modern treatments like robotic surgery, oral chemotherapy, and AYUSH treatments.

Emergency Assistance

1. Ambulance Charges:

• Road: Covered for hospital transfers.
• Air: Covered up to 10% of the Sum Insured.

2. Compassionate Travel: ₹10,000 for a family member to travel during emergencies.

3. Repatriation of Mortal Remains: Covered up to ₹15,000.

Additional Highlights

1. Cumulative Bonus: Earn 25% of the Sum Insured for every claim-free year (up to 100%).

2. Second Medical Opinion: Accessible via network medical practitioners.

3. Wellness Program: Earn points for discounts on policy renewals (up to 20%).

4. Flexible Payment: Monthly, quarterly, half-yearly, or long-term instalments available.

5. Health Check-Up: Annual health check-up coverage, irrespective of claims.

Waiting Periods

1. Pre-Existing Diseases:

• 3-year term: 30 months.
• 1 & 2-year term: 36 months.

2. Specific Diseases/Procedures:24 months.

3. Initial Waiting Period:30 days for non-accident-related claims.

For further details, refer to the Policy Documents or contact Star Health. This policy provides robust coverage and benefits, making it suitable for diverse healthcare needs.