userThe Star Health Assure Insurance Policy is a comprehensive health insurance plan offering extensive coverage for individuals and families. Below are the key highlights and benefits:
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.
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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.
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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.
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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.
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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.
Rahul Khanna
