Star Health Assure Insurance Policy Review

This article details the Star Health Assure Insurance Policy’s Features, Benefits, and Full Review.

Star Health Assure Insurance Policy’s Features

The Star Health Assure Insurance Policy offers many features and benefits. It provides comprehensive coverage for various medical expenses, including hospitalization, surgeries, and critical illnesses. You can find details about Star Health Assure Insurance Policy Review. The policy also includes cashless hospitalization facilities at a network of hospitals across the country. Additionally, it offers coverage for pre- and post-hospitalization expenses, ambulance charges, and daycare procedures. With the Star Health Assure Insurance Policy, individuals can have peace of mind knowing that their healthcare needs are well managed.

• Wide Range of coverage: This policy provides comprehensive coverage for self, spouse, dependent children (a maximum of 3), parents, and parents-in-law.
• Mid-Term Inclusion (you can add someone after the policy you have taken): A newly married spouse, Newborn Baby, and legally adopted child can be covered under the policy on payment of an additional premium.
• Delivery Expenses: Delivery expenses, including the Caesarean section (both pre-natal and post-natal), are covered up to 10% of the Sum Insured.
• New Born Cover: Hospitalisation expenses for treating newborns are covered from day one of birth till the policy’s expiry date, subject to limits.
• Automatic Restoration of Sum Insured: On partial or complete utilisation of the Sum Insured during the policy period, 100% of the Sum Insured will be restored unlimited times in the policy year that can be utilised for all the claims.
• Home Care Treatment: Expenses incurred for home care treatment for specified conditions are covered up to 10% of the Sum Insured, subject to a maximum of Rs. 5 Lakh in a policy year. The insured can avail of this service either cashless or reimbursement.
• Chronic Severe Refractory Asthma: In-patient hospitalisation, Day Care, Home Care and Outpatient expenses incurred for the treatment of Chronic Severe Refractory Asthma are covered up to 10% of the Sum Insured subject to the maximum of Rs. 5,00,000/- per policy period.
• Assisted Reproduction Treatment: Expenses incurred for proven Assisted Reproduction Treatments are covered up to the specified limits.

Star Health Assure Insurance Policy’s Review and Benefits

In the Star Health Assure Insurance Policy Review, it’s important to note that the Policy provides comprehensive coverage for various medical needs. The policy offers many features, including cashless hospitalization, coverage for pre-existing diseases, and a high sum assured. Additionally, it provides coverage for ambulance charges and offers a lifetime renewal option. These benefits make the Star Health Assure Insurance Policy a reliable choice for individuals seeking comprehensive health coverage.

This policy can be availed either on an Individual or Floater basis.

• No pre-medical check-up

Required to avail of this policy. However, those who declare adverse medical history may be subjected to a pre-medical check-up at the Company’s cost.

• Hospitalisation expenses

Incurred for more than 24 hours due to  illness, injury, or accidents are covered.

• In-patient hospitalisation

also covers medical expenses incurred up to 60 days before the hospital admission.

• Post-hospitalisation medical expenses

Incurred up to 180 days from discharge from the hospital are covered.

• Room Rent:

During in-patient hospitalization, boarding and nursing expenses are covered as follows:

– Room, boarding, and nursing expenses covered during in-patient hospitalization.

– Coverage: Up to 1% of Sum Insured per day.

– For Rs. 5 lakh Sum Insured: Any room (except suite or above).

– For Rs. 10/15/20/25 lakh Sum Insured: Any room. – For Rs. 50/75/100/200 lakh Sum Insured: Any room.

• Shared accommodation

The insured person’s expenses incurred while occupying a shared accommodation are covered up to the limits mentioned in the policy clause.

• Non-medical items

If there is an admissible claim under the policy, then non-medical items specified in this policy will become payable.

• Road Ambulance

This policy covers ambulance charges for admission to the hospital, for shifting from one hospital to another for better medical treatment, and from the hospital to the residence (if it is in the same city).

• Air Ambulance

Air ambulance expenses are covered up to 10% of the Sum Insured per policy year, provided the situation requires an immediate hospitalisation of the insured person and ground transportation cannot be provided.

• Domiciliary Hospitalisation

Expenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days, are covered.

• Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

• Modern Treatment Expenses

incurred for modern treatments such as oral chemotherapy, intravitreal injections, robotic surgeries, etc., are covered by the sum insured.

• Organ Donor Expenses

In-patient hospitalisation expenses incurred for organ transplantation from the Donor to the recipient insured person are payable, provided the claim for transplantation is payable. In addition, the costs incurred by the Donor (if any) for complications that necessitate a Redo Surgery / ICU admission will be covered.

• Rehabilitation & Pain Management Expenses

incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or a maximum of 20% of the Sum Insured, whichever is less, per policy year.

AYUSH TreatmentExpenses incurred for treatment under the Ayurveda, Unani, Siddha, and Homeopathy systems of medicine in AYUSH hospitals are covered up to the Sum Insured.

• Compassionate Travel

Air transportation expenses up to Rs. 10,000/—are payable for an immediate family member to travel to the hospital if the insured person is hospitalised for life-threatening emergencies at a place away from the insured’s usual residence.

• Repatriation of Mortal Remains

Up to Rs. 15,000 /—in a policy year, the expenses incurred for repatriating the insured person’s mortal remains are covered.

• In Utero Fetal Surgery / InterventionExpenses

Incurred In Utero Fetal surgeries and procedures mentioned in this policy are covered with a waiting period. Note: The waiting as mentioned earlier periods will not apply to the treatment related to congenital Internal disease/defects for the Unborn.

Consider Key Points Before Buying Star Health Assure Insurance.

The Star Health Assure Insurance Policy is a reliable choice for comprehensive health coverage. It offers cashless hospitalization, coverage for pre-existing diseases, and a high sum assured. The policy also covers ambulance charges and provides a lifetime renewal option. Before purchasing the Star Health Assure Insurance Policy, consider these key points. Some of the following key points can be found in the Star Health Assure Insurance Policy Review article.

• 1. Waiting Period

1. For Pre-Existing Diseases (3 year term) – 30 months

2. For Pre-Existing Diseases (1 and 2 year term) – 36 months

3. For Specific Diseases/Procedures – 24 months

4. Initial Waiting Period – 30 days (except accidents)

• 2. Coverage for Non-medical Items

Coverage for Non-medical Items (Consumables) is available.

• 3. Modern Treatments

Coverage for Modern Treatments.

• 4. Premium Illustration

Benefit/Premium illustration for Individual and Floater basis.

• 5. Free Look Period

New individual health insurance policies are subject to the Free Look Period, while renewals or policy porting/migrating are not eligible for this provision.

The insured person shall be allowed a thirty-day free-look period from the date of receipt of the policy document, whether electronically or otherwise, to review the policy’s terms and conditions and return them if they are unacceptable.

Suppose the insured has not incurred any claim during the Free Look Period. In that case, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on the medical examination of the insured person and the stamp duty charges.

or

where the risk has already commenced, and the insured person exercises the option of returning the policy, a deduction towards the proportionate risk premium for the period of cover, or

iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period

You can see only some of the pertinent points in summaries form in this Star Health Assure Insurance Policy Review. You can read more about the Star Health Assure Insurance Plan details at the following link.

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