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) | |
| Minimum | 18 |
| Maximum | 65 |
| Maximum Policy Renewal Age (years) | 70 |
| Sum Insured (Rs) | |
| Maximum | 3 lakh |
| Minimum | 1 lakh |
| Policy Term (years) | 2 |
| Tax Benefit | Premium paid is eligible for tax benefit under section 80D of the Income Tax Act |
| Discount | NA |
| Pre Policy Medical Check Up | Not required |
| Grace Period for Policy Renewal | 15 days |
| Customer Service | |
| Address | Star 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 to | 1800 425 2255/ / 044 2826 3300 |
| SMS | STAR to 56677 |
| Network Hospitals | Http://www.starhealth.in/hospital.php |
Additions to the Plan
| Scope of Cover | |
| Cashless facility | Available at empanelled hospitals in India |
| Re-imbursement | Available |
| Pre hospitalisation | Covered; upto maximum of 30 days prior to hospitalisation |
| Post Hospitalisation | lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 |
| In-patient hospitalisation | Covered |
| Room rent, boarding and nursing expenses | 1% 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 expenses | Covered |
| Emergency Ambulance | Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period |
| Non Allopathic Treatment | Covered 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 diseases | Covered 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 period | Any disease contracted during the first 30 days of commencement of the policy |
| Waiting Period | Certain 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 Clause | 30% of admissible claim in repect of each and every claim. |
| General Exclusions | Naturopathy 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 lakh | 2 lakh | 3 lakh | ||
| Sub limit for Pre-existing Diseases Cover | 50000 | 1 lakh | 1.5 lakh | |
| Age (years) | ||||
| 18-25 | 5880 | 7585 | 10625 | |
| 26-40 | 6720 | 9840 | 13800 | |
| 41-55 | 10080 | 14760 | 20010 | |
| 56-60 | 11760 | 17220 | 22770 | |
| 61-65 | 14170 | 20745 | 23805 | |
| 66-70 | 16100 | 23575 | 26450 | |
| 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 lakh | 2 lakh | 3 lakh | ||
| Sub limit for Pre-existing Diseases Cover | 50000 | 1 lakh | 1.5 lakh | |
| Age (years) | ||||
| 18-25 | 4900 | 6320 | 8855 | |
| 26-40 | 5600 | 8200 | 11500 | |
| 41-55 | 8400 | 12300 | 16675 | |
| 56-60 | 9800 | 14350 | 18975 | |
| 61-65 | 12320 | 18040 | 20700 | |
| 66-70 | 14000 | 20500 | 23000 | |
| Figures are indicative premium for appropriate sum assured for each age band excluding service tax | ||||
