userThe Star Comprehensive Health Insurance Policy offers extensive coverage and benefits tailored for individuals and families.
Core Benefits
1. PED Buy-Back: Optional cover to reduce the waiting period for Pre-Existing Diseases from 3 years to 1 year by paying an additional premium.
2. Bariatric Surgery: Covers expenses for bariatric procedures up to ₹2.5 lakhs or ₹5 lakhs, including pre- and post-hospitalisation.
3. Delivery Benefits: Covers both normal and C-section delivery expenses, including pre- and post-natal care (up to two deliveries).
4. Outpatient Cover: Includes dental, ophthalmic, and outpatient consultations (limits as per policy terms).
5. Cumulative Bonus:
- ₹5 lakh Sum Insured: 50% bonus per claim-free year (up to 100%).
- ₹7.5 lakh or above: 100% bonus per claim-free year.
6. Automatic Sum Insured Restoration: Restores 100% of the Sum Insured once per policy year.
7. Personal Accident Cover: Worldwide coverage for accidental death or permanent total disability at no additional cost.
8. Hospital Cash Benefit: Provides a daily cash allowance for hospital stays (limits as per policy terms).
Policy Features
1. Eligibility:
- Entry Age: 18 – 65 years (91 days to 25 years for dependent children).
- Available on an Individual or Floater basis.
2. Room Rent: No cap; private single A/C rooms are covered.
3. Pre- and Post-Hospitalisation:
- Pre-hospitalisation: 60 days.
- Post-hospitalisation: 90 days.
4. Ambulance Coverage:
- Road: For admission, inter-hospital transfer, and post-discharge.
- Air: Up to ₹2.5 lakhs per hospitalisation (max ₹5 lakhs per policy year).
5. Mid-Term Inclusion: Newly married spouse and newborns can be added with applicable waiting periods.
Additional Highlights
1. Domiciliary & AYUSH Treatment: Covers home treatments and traditional systems like Ayurveda, Unani, Sidha, and Homeopathy.
2. Vaccination Expenses: For newborns, subject to policy limits.
3. Modern Treatments: Covers advanced procedures like robotic surgery, oral chemotherapy, and more.
4. Organ Donor Expenses: Includes donor hospitalisation costs for transplants.
5. Second Medical Opinion: Accessible through the company’s network.
6. Health Check-Up: Annual health check-ups in network hospitals for claim-free years.
Wellness Program
- Encourages healthy lifestyles through wellness activities.
- Accumulated wellness points can be redeemed for renewal discounts.
Payment Flexibility
- Premiums can be paid monthly, quarterly, half-yearly, or annually.
- Long-term options available: biennial (2 years) or triennial (3 years).
Waiting Periods
1. Pre-Existing Diseases: 3 years (1 year with PED Buy-Back).
2. Initial Waiting Period: 30 days (except for accidents).
3. Specific Treatments: 24 months.
This policy provides broad coverage, ensuring financial security for medical needs. For complete details, consult the Policy Documents or contact Star Health directly.
Rahul Khanna
