Star Health Assure: A Comprehensive Health Insurance Policy

Star Health Assure: A Comprehensive Health Insurance Policy

Star Health introduces Star Health Assure, a comprehensive health insurance policy that offers a wide range of benefits and features. This policy covers expenses incurred during hospitalization due to illness or accident, both on an individual and floater basis.

Flexible Coverage for Individuals and Families

The Star Health Assure policy allows individuals from 18 to 75 years old to be insured, along with dependent children from 16 days to 18 years old on a floater basis. When dependent children turn 18, they will be considered adults and can continue to be covered under the floater policy until their marriage.

For individual coverage, entry is allowed from 91 days old up to 75 years old. There are various sum insured options to choose from, ranging from 5 lakhs to 2 crores. Insured members up to 65 years old can opt for coverage up to 50 lakhs. For individuals above 65 years old, coverage is available up to 50 lakhs.

If entry into the policy is before 61 years old, coverage for hospitalization due to accident or illness is provided at actuals. However, if entry is at or after 61 years old, a co-payment of 10 percent is applicable.

Flexible Room Category Options

Star Health Assure offers flexibility in choosing the room category. For sum insured options up to 50 lakhs, you can enjoy peaceful treatment in any type of room at one percent of the sum insured, maximum up to rupees 20,000 per day.

For higher sum insured options from 75 lakhs to 2 crores, there is no limit on room rent, even on partial utilization. This ensures that you have the freedom to choose a comfortable room without worrying about additional expenses.

Additional Benefits

Star Health Assure provides additional benefits to enhance your coverage:

Restoration of Sum Insured: The sum insured gets restored unlimited times in a policy year, up to 100 percent each time. This can be used for subsequent hospitalization expenses.

Coverage for Alternative Treatments: Expenses incurred for Ayurveda, Siddha, Unani, and Homeopathy treatments as an inpatient are covered up to the sum insured.

Health Checkup Expenses: Expenses for health checkups are covered up to the limits specified in the chosen sum insured.

Home Care Treatment: Expenses for specified home care treatments are payable up to 10 percent of the sum insured, with a maximum of rupees 5 lakhs in a policy year.

Maternity Expenses: Delivery expenses have a waiting period of only two years and are covered up to 10 percent of the sum insured.

Coverage for Unborn Fetus: Star Health Assure offers coverage for in-utero fetal intervention, which includes expenses for treatment done for the unborn fetus up to the sum insured.

Coverage for Newborns: Newborn babies are covered from day one up to the specified sum insured, including coverage for external and internal congenital defects.

Wellness Program and Cost Benefits

Star Health Assure believes in promoting and rewarding a healthy lifestyle. The policy includes a wellness program that aims to incentivize and reward insured individuals for maintaining good health. As a result, healthy customers can enjoy a wellness discount of up to 20 percent on their renewable premium.

Additionally, the policy offers a discount on premiums of up to 55 percent for those who opt for a rupees 50,000 or 1 lakh deductible. This makes Star Health Assure one of the most affordable and competitive health insurance policies available.

Conclusion

Star Health Assure is a comprehensive health insurance policy that covers a wide range of medical expenses. With its flexible coverage options, additional benefits, and emphasis on wellness, it provides individuals and families with the necessary financial support to overcome future medical contingencies.