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Star Family Delite Insurance Policy

Objective

This is a family floater policy that will provide cover against hospitalisation expenses.

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.

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.

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 Facilityavailable at network hospitals
Reimbursement facilityavailable at non-network hospital
Pre hospitalisationcovered upto 30days
Post hospitalisation7% of the hospitalization expenses (excluding room rent) subject to a maximum of Rs.5000/- per hospitalisation within 60 days of discharge
Inpatient hospitalisationcovered
Room rent, boarding and nursing1% of the sum insured
ICU charges1.5% of the sum insured
Surgeon's fees Consultant's fees Anesthetist feescovered
Cost of blood, oxygen, diagnostic expenses, cost of pace makercovered
Ambulance expensescovered
Day care procedurescovered
Exclusions and Waiting Period
Pre-existing diseasescovered after initial 48 months
No claim period30 days since inception of the policy
Waiting period2 years for certain diseases namely hernia, catarct, vericose veins, sinusitis, tonsillitus etc.
General exclusionspregnancy related claims

Cost Details

Annual Premium Option for 2 lakh Sum Insured
Age (in years)Family Size
1Adult+1Child1Adult+2Children1Adult+3Children2Adults2Adults+1Child2Adults+2Children
5 month-35280031003650300037004500
36-45325037504500360042005000
46-50510056006300555061006900
51-55560062007000620070007900
56-60640070007800720081009100
61-659000980011000101001140012800
66-70#113001230013800127001430016000
71-75#147001600018000166001860020800
more than 75#192002080023400216002420027100
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+1Child1Adult+2Children1Adult+3Children2Adults2Adults+1Child2Adults+2Children
5 month-35371038254400398543004800
36-45394043005200436048305600
46-50590064007100630069007700
51-55693071607900760579009100
56-608500900010095100301062511090
61-65119001260014200141001490015600
66-70#149001580017800177001870019500
71-75#194002060023200231002440025400
more than 75#253002680030200301003180033100
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.