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Star Unique Health Insurance

Objective

This is an online health insurance policy that aims to cover for treatment taken as an inpatient in a hospital. HIV patients can also subscribe to the policy.


Suited for

Anyone between 18 and 65 years of age can buy this policy. HIV patients are also allowed to take this policy to cover illnesses other than HIV/ AIDS or related illnesses.


What does it do?

This policy covers inpatient hospitalisation along with pre and post hospitalisation expenses. It has a 2-year tenure and the premium can be paid in two instalments. First instalment has to be paid at the time of purchasing policy and second one after completing one year . This policy is special as it covers HIV positive patients provided minimum CD4 count at time of entry is 350, for treatment of illnesses other than HIV/ AIDS. Non-allopathic treatment and ambulance charges are also covered.


Pros

It covers HIV patients as well. Pre-existing diseases except for those specifically stated in policy document will be covered after 11 months, a waiting period relatively shorter than other policies.
It also covers non-allopathic treatment. This policy can be bought online.
Premium paid under the policy will be eligible for tax benefit under Section 80D.


Cons

The policy ceases to cover at 70 years of age.
Pre-existing disease are covered up to sub-limits.
It offers a sum insured of up to Rs 3 lakh only.


Our View

Although there is a lower waiting period for covering pre-existing diseases, the benefit has already been factored in by way of charging higher premium rates as compared to its peers. It allows to cover HIV patients for illnesses other than  HIV/ AIDS or related treatments useful for the patients who are young and healthy enough to resist AIDS. On the other hand, buying this policy at older age will have no meaning as HIV patients become more prone to AIDS due to weaker immunity.

Eligibility
Entry Age (years) 
Minimum18
Maximum65
Maximum Policy Renewal Age (years)70
Sum Insured (Rs) 
Maximum3 lakh
Minimum1 lakh
Policy Term (years)2
Tax BenefitPremium paid is eligible for tax benefit under section 80D of the Income Tax Act
DiscountNA
Pre Policy Medical Check UpNot required
Grace Period for Policy Renewal15 days
Customer Service 
AddressStar Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.
Mail to[email protected]
Call to1800 425 2255/ / 044 2826 3300
SMSSTAR to 56677
Network HospitalsHttp://www.starhealth.in/hospital.php
Additions to the Plan
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursementAvailable
Pre hospitalisationCovered; upto maximum of 30 days prior to hospitalisation
Post Hospitalisationlumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000
In-patient hospitalisationCovered
Room rent, boarding and nursing expenses1% of Sum Insured upto a maximum of Rs 3000 per day.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, cost of Pacemaker and similar expensesCovered
Emergency AmbulanceRs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Non Allopathic TreatmentCovered upto maximum of 25% of Sum Insured subjevt to a amximum of Rs 25000 per occurrence per policy year
Exclusions and Waiting Period
Pre-existing diseasesCovered after 11 months with sub limits. Certain pre-existing illnesses such as Stapodectomy, Bone marrow transplant,Retinal detachment, all types of cancer etc. will be covered after 48 months of continuous coverage
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 years. If any of these disease is pre existing, waiting period would extend to 2 years
Certain diseases such as Cataract, treatment of joints unless caused by an accident etc wil be covered after 1 year
Co Payment Clause30% of admissible claim in repect of each and every claim.
General ExclusionsNaturopathy treatmentCosmetic, beauty or slimming treatment
Annual Premium Option for offices in Ahmedabad, Bangalore, Mumbai (including Thane) and New Delhi (including Faridabad, Gurgaon & Noida)
Sum Insured (in Rs)
1 lakh2 lakh3 lakh
Sub limit for Pre-existing Diseases Cover500001 lakh1.5 lakh
Age (years)
18-255880758510625
26-406720984013800
41-55100801476020010
56-60117601722022770
61-65141702074523805
66-70161002357526450
Figures are indicative premium for appropriate sum assured for each age band excluding service tax
Annual Premium Option for offices in rest of India
Sum Insured (in Rs)
1 lakh2 lakh3 lakh
Sub limit for Pre-existing Diseases Cover500001 lakh1.5 lakh
Age (years)
18-25490063208855
26-405600820011500
41-5584001230016675
56-6098001435018975
61-65123201804020700
66-70140002050023000
Figures are indicative premium for appropriate sum assured for each age band excluding service tax