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The Star Health Premier Insurance Policy is designed to provide comprehensive healthcare coverage, particularly for individuals aged 50 and above, with no maximum entry age limit. Here are the key features and benefits of the policy:
Key Features
Outpatient Medical Expenses: Covers outpatient medical expenses from day one, up to specified limits.
Automatic Restoration of Sum Insured: Restores the sum insured to 100% once during the policy period, if the limit is partially or fully utilised.
Cataract Treatment: Covers expenses for cataract treatment up to the limits specified in the policy.
Health Check-Up Discount: A 10% discount on premiums if health check-ups are completed 45 days before policy inception.
Mid-Term Inclusion: Allows inclusion of a newly married spouse with additional premium.
Long-Term Discount: Discount available if the policy term is more than one year.
Additional Coverage
Home Care Treatment: Covers home care treatment for specified conditions up to 10% of the sum insured (max ₹5 lakh/year).
Road & Air Ambulance: Ambulance charges covered, with air ambulance expenses up to ₹2.5 lakh per hospitalization and ₹5 lakh per policy period.
Domiciliary Hospitalisation: Covers domiciliary hospitalisation on the advice of a doctor for more than 3 days.
Organ Donor Expenses: Covers in-patient hospitalization expenses related to organ donation.
Hospice Care: Available after 24 months, payable up to 10% of the sum insured (max ₹5 lakh).
Rehabilitation & Pain Management: Covers rehabilitation and pain management expenses, up to 10% of the sum insured.
Important Terms
Sum Insured: Options from ₹10,00,000 to ₹1,00,00,000 (up to ₹65,00,000 for people aged 65 or under).
Policy Term: Available for 1, 2, or 3 years.
Pre-Acceptance Screening: No pre-acceptance medical screening is required.
Co-payment: 20% co-payment for insured persons aged 65 and above.
Cumulative Bonus: 20% bonus for each claim-free year, up to 100% of the sum insured.
Family Discounts: Discounts for family floater policies, including a 40% discount for younger members.
Additional Benefits
Star Wellness Program: Encourages a healthy lifestyle with wellness activities and discount rewards.
Young Age Discount: Offers a 10% discount for spouses under 50 if the primary insured is 50 or older.
Instalment Options: Available for quarterly, half-yearly, and yearly payments.
This policy provides extensive coverage for both in-patient and outpatient expenses, with added benefits such as health check-ups, home care, ambulance services, and organ donor expenses. It’s ideal for older individuals Or families looking for long-term healthcare coverage.
Rahul Khanna
