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The Star Women Care Insurance Policy is designed to cater to the health needs of women and their families, offering comprehensive coverage for various medical expenses. Here’s a breakdown of key features and coverage:
Key Features
Maternity Benefit: Covers delivery expenses, including pre- and post-natal care for normal and Caesarean births.
Assisted Reproduction Treatment for Sub-fertility: Covers costs related to assisted reproduction treatments up to specified limits.
Bariatric Surgery: Coverage for hospitalization expenses related to bariatric surgery, including pre- and post-hospitalization costs.
Hospitalisation for Newborn Baby: Covers expenses for newborns, including vaccinations up to 12 months.
Ante-Natal Care: Covers outpatient expenses for ante-natal care after pregnancy confirmation.
Cancer Diagnosis: Optional lump sum benefit for first-time cancer diagnosis.
Family Inclusion: You can include your spouse, newborn, or legally adopted child for an additional premium.
Additional Coverage
Road & Air Ambulance: Covers ambulance charges for hospital admissions and transfers.
Organ Donor Expenses: Covers hospital expenses for organ transplants.
Voluntary Sterilisation: Covers expenses for sterilization after a waiting period.
Rehabilitation & Pain Management: Provides coverage for rehabilitation up to 10% of the sum insured per year.
Preventive Health Check-ups: Covers health check-up expenses annually.
Important Terms
Policy Type: Available on an individual or floater basis.
Entry Age: Individual policy is for females aged 18-75 years, and floater covers families with at least one female aged 18-75.
Sum Insured: Ranges from ₹5,00,000 to ₹1,00,00,000.
Hospitalisation: Covers in-patient hospitalisation, pre- and post-hospitalisation expenses.
No Pre-Medical Exam: No medical tests required for enrollment, but certain documentation for pregnant women is necessary.
Special Benefits
Cumulative Bonus: 20% bonus for claim-free years, up to 100% of the sum insured.
Wellness Program: Promotes a healthy lifestyle with wellness activities and discount rewards.
Long-Term Discount: 10%-11.25% discount on premiums for multi-year policies.
This policy is comprehensive, offering coverage for various medical treatments, surgeries, maternity-related expenses, and more, with additional benefits like wellness programs and discounts.
FAQs
Rahul Khanna
