STAR HEALTH INSURANCE
Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the Middle East and a few enterprising industrialists,
industry experts and business houses in India.
Another health insurance plans by them isSTAR CRITICARE PLUS.
The SALIENT FEATURES of this plan are:
- It provides reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and accidental injuries
- It also provides for a lump sum amount in case the insured is diagnosed with a major illness as listed in the policy for the first time during the policy period
- Any person aged between 18 years and 65 years can take this insurance
- The insurance is renewable up to 70 years
- Cover under Section I:
- Provides for in-patient hospitalization expenses for a minimum stay of 24 hours in the hospital
- These expenses include room rent up to a maximum of 2% of sum insured subject to a maximum of Rs.4000 per day
- Boarding and nursing expenses
- Surgeon’s fees, consultant’s fees, anesthetist’s fees
- Cost of medicines and drugs
- Ambulance charges up to a maximum of Rs.750 per hospitalization and overall limit of Rs.1500 per policy period
- Cost of blood, oxygen, diagnostic expenses, cost of pace maker and similar expenses
- Cover under Section II:
- Provides for payment of lump sum amount equal to the sum insured opted if the insured contracts any one of the major diseases for the first time
- Major diseases covered under this policy are:
- First diagnosis of cancer, chronic kidney disease, hepatoma and brain tumor
- Undergoing first time major organ transplant
- Occurrence for the first time a cerebro-vascular stroke causing hemiplegia, acute myocardial infarction resulting in left ventricular ejection fraction of <25%
- Established irreversible coma
- Established irreversible paraplegia
- Established irreversible quadriplegia
- A Service Tax of 10.3% needs to be added to the premiums amounts
- Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act
EXCLUSIONS:
UNDER SECTION I:
- All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy
- Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy
- Expenses incurred in the first 2 years of continuous operation of the policy cover on treatment of:
- Cataract
- Hysterectomy
- Menorrhagia or Fibromioma
- Knee replacement surgery (other than caused by an accident)
- Joint replacement surgery (other than caused by an accident)
- Prolapsed Inter-vertebral disc (other than caused by an accident)
- Varicose veings/ulcers
- Expenses incurred in the first 1 year of continuous operation of the policy cover on treatment of:
- Benign prostate
- Hypertrophy
- Hernia
- Hydrocele
- Fistula in anus
- Piles
- Sinusitis and related disorders
- Gall stone/renal stone removal
- Naturopathy treatment
- Expenses purely diagnostic in nature with no positive existence of any disease
UNDER SECTION II:
- Expenses incurred on treatment of congenital diseases/defect/anomalies
- Manifestation of any of the covered major diseases within first 90 days from the date of commencement of the policy. This will not apply when the policy is renewed without any break
An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website www.starhealth.in
ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:
- Cashless service without TPA intervention
- Direct tie up with all major hospitals in India
- 24 hours general practitioner’s advice and medical counseling
- 24×7 in-house call center
- Toll free telephone assistance
- First stand alone health insurance company