Star Health Assure Insurance Plan

Star Health Assure Insurance Plan

Star Health Assure Insurance plan provides non-stop medical coverage to individuals and families by automatically refilling their exhausted sum insured unlimited times in a policy year. It offers a 20% wellness discount on renewal premiums and no room rent limit for a sum insured of Rs 10 lakh and above. The plan also covers the cost of consumables during hospitalization and provides an annual health check-up benefit.

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Moreover, this Star health insurance policy provides extensive coverage for pregnancy-related procedures, including delivery expenses, in utero fetal surgery/intervention, assisted reproduction treatment and newborn baby expenses.

Star Health Assure Insurance Plan: Key Highlights

Benefits of Star Health Assure Insurance Plan

Take a look at the Star Health Assure Insurance policy benefits below:

1. Coverage for Consumables Items

   Unlike most health insurance plans, policyholders can claim medical expenses incurred on non-medical items like gloves, masks, oxygen cylinder, arm sling, etc., under this family health insurance policy.

2. Automatic Restoration of Sum Insured

   With this benefit, the policy sum insured will automatically be restored by 100% every time it gets partially or fully exhausted due to claims. This benefit is available unlimited times in a policy year.

   People also read: All About Restoration Benefit in Health Insurance

3. No Room Rent Capping

   This Star health insurance policy does not impose any limit on hospital room rent for policyholders with a sum insured of Rs 10 lakh and above.

4. Discount on Renewal Premium

   Policyholders can earn a 20% wellness discount on the renewal premium of the Star Health Assure Insurance policy by collecting more than 750 wellness points under the Star Wellness Program.

5. Annual Health Check-up Benefit

   The Star Health & Allied Insurance Company will pay for your preventive health check-up every year under the Health Checkup Assure benefit.

   People also read: Annual Medical Check-ups in Health Insurance: All You Need to Know

6. Cumulative Bonus

   The cumulative bonus will enhance the policy sum insured by 25% for up to a maximum of 100% for every claim-free year.

7. Tax Benefits

   The Star Health Assure Insurance policy premium will be eligible for tax benefits under Section 80D of the Income Tax Act.

Star Health Assure Insurance Plan Eligibility Criteria

Here is the eligibility criteria to buy a Star Health Assure Insurance policy:

Inclusions of Star Health Assure Insurance Plan

The following coverage is included under the Star Health Assure Insurance plan:

• In-patient Hospitalization – It pays for the hospital room, doctor’s fees, boarding, nursing assistance, etc., in case of at least 24 hours of hospitalization.
• Non-medical Items – It pays for medical expenses incurred on non-medical items, such as oxygen cylinder, gloves, masks, etc., that are usually not covered under health insurance.
• Emergency Road Ambulance – It pays for road ambulance charges incurred on transporting the insured to and from a hospital during a medical emergency.
• Air Ambulance – It covers the cost of availing air ambulance services in case of a medical emergency.
• Pre-hospitalization Expenses – It pays for the medical expenses incurred for up to 60 days before hospitalization.
• Post-hospitalization Expenses – It covers the medical expenses incurred for up to 180 days after getting discharged from the hospital.
• Day Care Procedures – It covers the cost of all day care procedures that do not require a hospital admission of 24 hours.
• Organ Donor Expenses – It covers in-patient hospitalization costs incurred on harvesting the donated organ if the insured has to undergo a transplant surgery.
• Delivery Expenses Cover – It covers the medical expenses incurred on normal and caesarean delivery of a baby, including pre-natal and post-natal expenses.
• In Utero Fetal Surgery/Intervention – It pays for the cost of listed in utero fetal procedures and surgeries, including spina bifida and fetalanemia.
• Assisted Reproduction Treatment – It covers the cost of assisted reproduction treatment for sub-fertility.
• Newborn Baby Hospitalization Expenses – It pays for the hospitalization expenses incurred on treating a newborn baby from day 1.
• Home Care Treatment – It pays for the medical treatment availed at home for specified conditions on the doctor’s recommendation.
• Domiciliary Hospitalization – It pays for the cost of providing domiciliary treatment at home for at least 3 days on a doctor’s recommendation in case hospitalization is not possible.
• Chronic Severe Refractory Asthma Treatment – It covers the treatment cost of chronic severe refractory asthma on the recommendation of the treating doctor.
• Compassionate Travel – It pays for the transportation expenses of one immediate family member in case the insured is hospitalized for a life-threatening condition in another city.
• Repatriation of Mortal Remains – It covers the cost of transporting the mortal remains of the insured to their residence.
• Treatment in Valuable Service Providers Network – It pays a lump sum amount if the insured obtains treatment at a hospital under the valuable service provider network of Star Health & Allied Insurance Company.
• Shared Accommodation – It pays an allowance of Rs 1000 per day if the insured stays in a shared hospital room.
• AYUSH Treatment – It covers the hospitalization expenses incurred on availing treatment through the AYUSH system of medicines, including Ayurveda, Siddha, Unani and Homeopathy.
• Second Medical Opinion – It pays for medical expenses incurred on obtaining a second medical opinion on a disease or illness from the insurer’s network of doctors.
• Modern Treatments – It covers the cost of modern treatments, such as stem cell therapy, robotic surgeries, oral chemotherapy, etc.
• Rehabilitation and Pain Management – It pays for the medical expenses incurred on rehabilitation and pain management treatment due to stroke, poly trauma, a disease of the spine and head injury.

Optional Covers:

• Deductible – It provides a premium discount of up to 55% if the insured opts for a voluntary deductible of Rs 50,000 or Rs 1 lakh, depending on the sum insured.

Exclusions of Star Health Assure Insurance Plan

The Star Health Assure Insurance policy excludes the following expenses:

• Maternity expenses
• Obesity and weight control treatments
• Treatment for alcohol or drug addiction
• Vaccination or inoculation
• Sterility and infertility
• Treatments taken outside India
• Intentional self-injury
• Treatment for injuries obtained on participating in adventure or hazardous sports
• Congenital external defects
• Cosmetic or plastic surgery
• Dietary supplements and substances
• Unproven treatments

Star Health Assure Insurance Plan Waiting Periods

Check out the waiting periods applicable to a Star Health Assure Insurance plan:

Star Health Assure Insurance Plan: FAQs