Star Health Hospital Cash Insurance Policy: Benefits, Premium & Coverage

Star Health Hospital Cash Insurance Policy

Star Health Hospital Cash policy provides additional insurance coverage to take care of any incidental expenses incurred during hospitalization, such as on food, travelling, etc. It is designed to provide extra financial support to the policyholder to cover those medical expenses that are generally not covered under a regular health insurance policy.

Star Health Hospital Cash Policy Overview

Star Health Hospital Cash plan provides a lump sum hospital cash benefit to the insured for the period of hospitalization resulting from sickness or accidental injuries. It offers six types of hospital cash benefits and the policy can be purchased over and above the regular health insurance policy.

The Star Health Hospital Cash plan is available in two variants - Basic and Enhanced plan. While the basic plan offers a hospital cash benefit of Rs 1000/2000/3000 per day, the Enhanced plan Rs 3000/4000/5000 per day as the benefit. The number of hospital cash days ranges from 30 days to 180 days across both plan variants. The applicant can opt for any combination of hospital cash amount and number of hospital cash days as per his/her preference under individual and floater cover.

Star Health Hospital Cash Policy Eligibility Criteria

Criteria	Specifications
Minimum Entry Age	18 years 91 days (children)
Maximum Entry Age	65 years 25 years (children)
Plans Offered	Basic Plan Enhanced Plan
Coverage	Individual/ Floater
Hospital Cash Amount	Basic Plan - Rs 1000/2000/3000 per day Enhanced Plan - Rs 3000/4000/5000 per day
Number of Hospital Cash Days	Basic Plan - 30/60/90/120/180 days Enhanced Plan - 90/120/180 days
Policy Term	1/2/3 years
Pre-existing diseases waiting period	2 years (Basic Plan) 3 years (Enhanced Plan)
Deductible	1-day deductible (Under the Basic plan of sickness hospital cash)

Key Features of Star Health Hospital Cash Policy

Take a look at the various features and benefits of Star Health Hospital Cash Insurance:

It provides a lump sum hospital cash benefit to the policyholder.
It offers six types of hospital cash benefits.
It is available in two types of plan variants - Basic and Enhanced.
The coverage is available on an individual and floater basis.
It provides coverage for 10 day care procedures.
It comes with a 1-day deductible under the basic plan of Sickness Hospital Cash benefit.

Inclusions of Star Health Hospital Cash Policy

Star Health & Allied Insurance Co Ltd provides the following coverage under the Hospital Cash policy:

Sickness Hospital Cash
Accidental Hospital Cash - Coverage up to 150% of the hospital cash amount
ICU Hospital Cash - Coverage up to 200% of the hospital cash amount
Convalescence Hospital Cash - Offers 1-day extra hospital cash benefit after 5 consecutive days of hospitalization
Child Birth Hospital Cash
Worldwide Hospital Cash - Coverage for up to 200% of the hospital cash amount

10 day care procedures are covered under all kinds of hospital cash benefits except for Convalescence Hospital Cash and Child Birth Hospital Cash. To know the list of covered day care procedures, refer to the Star Health Hospital Cash Insurance policy brochure.

Exclusions of Star Health Hospital Cash Policy

Any expenses arising out of the following are not covered by the Star Health Hospital Cash policy:

Intentional self-injury
Pregnancy and related complications, except under Child Birth Hospital Cash benefit
Use of intoxicating substances, including alcohol and drugs
Dental treatment or surgery
Plastic surgery
Weight control services
Injuries or illness directly resulting from nuclear materials/weapons
Sexually Transmitted Diseases (STDs) and venereal diseases

FAQs

Q. How many claims for day care treatments are covered under the Star Health Hospital Cash policy?

The policyholder can raise a claim under the Star Health Hospital Cash policy for day care treatments for a maximum of five times in a policy term.
Q. Which Star Health Hospital cash policy benefit is not available under the Basic plan?

The Star Health Hospital Cash policy does not offer Convalescence Hospital Cash, Child Birth Hospital Cash and Worldwide Hospital Cash benefit under the Basic plan.
Q. What is the waiting period applicable to Star Health Hospital Cash policy?
The following waiting period applies to Star Health Hospital Cash policy:
- Initial waiting period - 30 days
- Specific diseases waiting period - 2 years
- Pre-existing diseases waiting period - 2 years (for Basic plan) and 3 years (for Enhanced plan)
- Child Birth Hospital Cash waiting period - 2 years
Q. Where can I check the premium for Star Health Hospital Cash policy?

You can go through the Star Health Hospital Cash insurance policy brochure to check the premium rates.
Q. Can I avail cashless hospitalization facility under my Star Health Hospital Cash policy?

Yes. You can avail cashless hospitalization facility at more than 9900 network hospitals of Star Health Insurance across the country.
Q. How long does it take for cashless claims to get settled?

Star Health & Allied Insurance Co Ltd settles 90% of the cashless claims within two hours. All claims are settled by the in-house team of the insurance claims settlement team.

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