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Plan Essentials
This add-on enhances the base Young Star Insurance Policy by increasing existing coverage limits and introducing additional features.
Eligibility
Base Policy Requirement: Must be covered under Young Star Insurance Policy with a minimum sum insured of ₹10,00,000.
When to Buy: Can be added at policy inception or renewal.
Age & Family Size: Matches the entry age and family size criteria of the selected base policy.
Policy Term: Matches the duration of the base policy.
Key Features and Benefits
1. Enhanced Room Rent: Increases limits for room, boarding, and nursing expenses as per policy clauses.
2. Claim Guard: Covers specified non-medical expenses (e.g., consumables) linked to an admissible claim under the base policy.
3. Enhanced Modern Treatment Limit: Extends coverage for modern treatments listed in the base policy, up to the base policy’s sum insured.
4. AYUSH Treatment: Covers in-patient hospitalization expenses for Ayurveda, Unani, Siddha, and Homeopathy treatments in AYUSH hospitals, up to the base policy’s sum insured (including any cumulative bonus).
5. Home Care Treatment: Covers expenses for specified home care treatments up to 10% of the base policy sum insured, subject to a maximum of ₹5,00,000 per policy year.
6. Bonus Guard
Cumulative Bonus Protection:
- Bonus won’t reduce during renewals unless fully utilized.
- Partial utilization of the bonus retains the remaining bonus.
- Full utilization of both the base sum insured and bonus grants “nil” bonus at renewal.
For More Information Please refer to the policy documents for detailed terms and conditions.
FAQs
Rahul Khanna
