userA comprehensive and customizable indemnity health insurance policy designed to provide financial protection and promote a healthy lifestyle.
Plan Essentials
Key Features
1. Unique Policy: Covers hospitalisation expenses due to illness or accidents.
2. Customisation Options: Offers five optional covers to tailor the policy to individual needs.
3. Upfront Discount: 5% discount on the first purchase for answering lifestyle and habit-related questions.
4. Annual Health Check-Up: Covers health check-up expenses each year, regardless of claims.
5. Pre-Policy Medical Check-Up:
Not mandatory for purchase.
If required (based on medical history), 100% cost of the medical check-up is borne by the company.
6. Star Wellness Program: Rewards healthy activities with points redeemable for renewal discounts (up to 20%).
Eligibility
Individual Entry Age: 18 – 50 years.
Floater Entry Age: 18 – 50 years, covering dependent children from 91 days to 25 years.
Policy Highlights
1. Policy Type: Available on Individual or Floater basis.
2. Policy Term: 1, 2, or 3 years.
3. Sum Insured: Options range from ₹5,00,000 to ₹1,00,00,000.
4. Family Size:
Self + Spouse/Partner + Dependent Children.
Maximum: 2 Adults + 3 Children under Floater basis.
5. Long-Term Discount: Available for policies longer than one year.
Policy Benefits
Hospitalisation & Medical Expenses
1. In-Patient Hospitalisation: Covers hospitalisation exceeding 24 hours.
2. Pre-Hospitalisation: Expenses up to 60 days before admission.
3. Post-Hospitalisation: Expenses up to 180 days after discharge.
4. Room Rent: Private Single A/C Room, including boarding and nursing expenses.
5. Road Ambulance: Covers transport to/from hospital and between hospitals.
6. Air Ambulance: Expenses up to 10% of the Sum Insured per year for emergency hospitalisation.
7. Day Care Procedures: Covers treatments requiring less than 24-hour hospitalisation.
Additional Benefits
1. Domiciliary Hospitalisation: Includes AYUSH treatments if hospitalisation exceeds 3 days.
2. Home Care Treatment: Covers specified conditions (up to 10% of the Sum Insured, max ₹5,00,000 per year).
3. Newborn Cover: Newborn treatment expenses from Day 1 (up to 10% of the Sum Insured, max ₹2,00,000).
4. AYUSH Treatments: Covers Ayurveda, Unani, Siddha, and Homeopathy treatments.
5. Modern Treatments: Covers advanced procedures like robotic surgeries and deep brain stimulation.
6. Automatic Restoration: 100% Sum Insured restoration once per year, applicable for all claims.
7. Cumulative Bonus: 50% of the Sum Insured for each claim-free year, up to 100%.
Value-Added Services
Tele-health, medical concierge, digital health vault, wellness content, post-operative care, and discounts at network providers.
Optional Covers (Additional Premium)
1. Cumulative Bonus Booster: Increases cumulative bonus by 50% per claim-free year (up to 600% of the Sum Insured).
2. Room Category Modification: Upgrade/reduce room category.
3. Pre-Existing Diseases Waiting Period Reduction: Reduces waiting period from 48 to 36/24/12 months (only for the first purchase).
4. Coverage for Non-Medical Items: Includes consumables specified in the policy schedule.
5. Unlimited Automatic Restoration: Restores 100% of the Sum Insured an unlimited number of times for subsequent claims.
Discounts
1. Upfront Discount: 5% for answering lifestyle-related questions.
2. Long-Term Discount: For policies longer than one year.
This policy offers comprehensive health coverage with flexibility to meet diverse needs, ensuring peace of mind and financial security. For detailed terms, refer to the Policy Documents.
Rahul Khanna
