Star Family Delite Insurance Policy
Objective
This is a family floater policy that will provide cover against hospitalisation expenses.
Suited for
This policy is suitable for those with low budgets. Anyone between 5 months and 65 years can be included in this policy.
What does it do?
This policy is designed to cover hospitalisation expense of a family on floater cover basis. Floater cover allows any of the insured members to use the sum insured until it is depleted. It covers inpatient hospitalisation expenses and pre and post hospitalisation expenses up to the stated limits. Maximum cover allowed for room rent, boarding, lodging and ICU are capped to certain percentage of sum insured. It also pays for emergency ambulance and day care procedures. Day care procedures are those that do not require an overnight admission in hospital due to technological advancements such as chemotherapy, dialysis etc.
Pros
The policy allows lifetime renewal and premiums paid toward the policy qualify for deduction under section 80D of Income Tax Act.
Cons
Room rent and ICU charges are capped. It is not available for purchase online.
Our View
While capping of expenses is a drawback, it also reduces the premium cost. Premium rates for this policy are lower than policies without sub-limits. However, we recommend policies without sub-limits if there are no budget constraints.
Eligibility
Entry Age (years) | |
Minimum | 5 months |
Maximum | 65 |
Maximum Policy Renewal Age (years) | Lifetime renewal |
Coverage Type | Family floater |
Sum Insured (Rs) | |
Maximum | 3 lakh |
Minimum | 2 lakh |
Policy Term (years) | 1 |
Policy Termination | Either of insurance company or policyhlder can terminate the policy by giving a 30 days notice period. |
Customer Service | |
Address | Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 60003 |
Mail to | [email protected] |
Call to | 1800 425 2255, 044-28288800 |
SMS | STAR to 56677 |
Network Hospitals | Http://www.starhealth.in/hospital.php |
Additions to the Plan
Scope Of Cover | |
Cashless Facility | available at network hospitals |
Reimbursement facility | available at non-network hospital |
Pre hospitalisation | covered upto 30days |
Post hospitalisation | 7% of the hospitalization expenses (excluding room rent) subject to a maximum of Rs.5000/- per hospitalisation within 60 days of discharge |
Inpatient hospitalisation | covered |
Room rent, boarding and nursing | 1% of the sum insured |
ICU charges | 1.5% of the sum insured |
Surgeon's fees Consultant's fees Anesthetist fees | covered |
Cost of blood, oxygen, diagnostic expenses, cost of pace maker | covered |
Ambulance expenses | covered |
Day care procedures | covered |
Exclusions and Waiting Period | |
Pre-existing diseases | covered after initial 48 months |
No claim period | 30 days since inception of the policy |
Waiting period | 2 years for certain diseases namely hernia, catarct, vericose veins, sinusitis, tonsillitus etc. |
General exclusions | pregnancy related claims |
Annual Premium Option for 2 lakh Sum Insured | |||||||
Age (in years) | Family Size | ||||||
1Adult+1Child | 1Adult+2Children | 1Adult+3Children | 2Adults | 2Adults+1Child | 2Adults+2Children | ||
5 month-35 | 2800 | 3100 | 3650 | 3000 | 3700 | 4500 | |
36-45 | 3250 | 3750 | 4500 | 3600 | 4200 | 5000 | |
46-50 | 5100 | 5600 | 6300 | 5550 | 6100 | 6900 | |
51-55 | 5600 | 6200 | 7000 | 6200 | 7000 | 7900 | |
56-60 | 6400 | 7000 | 7800 | 7200 | 8100 | 9100 | |
61-65 | 9000 | 9800 | 11000 | 10100 | 11400 | 12800 | |
66-70# | 11300 | 12300 | 13800 | 12700 | 14300 | 16000 | |
71-75# | 14700 | 16000 | 18000 | 16600 | 18600 | 20800 | |
more than 75# | 19200 | 20800 | 23400 | 21600 | 24200 | 27100 | |
Premiums are exclusive of tax and cess | |||||||
# for renewal purpose only |
Annual Premium Option for 3 lakh Sum Insured | |||||||
Age (in years) | Family Size^ | ||||||
1Adult+1Child | 1Adult+2Children | 1Adult+3Children | 2Adults | 2Adults+1Child | 2Adults+2Children | ||
5 month-35 | 3710 | 3825 | 4400 | 3985 | 4300 | 4800 | |
36-45 | 3940 | 4300 | 5200 | 4360 | 4830 | 5600 | |
46-50 | 5900 | 6400 | 7100 | 6300 | 6900 | 7700 | |
51-55 | 6930 | 7160 | 7900 | 7605 | 7900 | 9100 | |
56-60 | 8500 | 9000 | 10095 | 10030 | 10625 | 11090 | |
61-65 | 11900 | 12600 | 14200 | 14100 | 14900 | 15600 | |
66-70# | 14900 | 15800 | 17800 | 17700 | 18700 | 19500 | |
71-75# | 19400 | 20600 | 23200 | 23100 | 24400 | 25400 | |
more than 75# | 25300 | 26800 | 30200 | 30100 | 31800 | 33100 | |
Premiums are exclusive of tax and cess | |||||||
# for renewal purpose only | |||||||
^ For one additioanl child beyond family size of 2Adult+2Children. Additional premium payable is Rs 1000. Maximum of 3 children are allowed. |