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A health policy which will take care of medical needs of a young couple. It will cover maternity expenses too.

Suited for

This policy is suitable for youngsters.

What does it do?

One can opt for either the 3-lakh or 5-lakh policy. It covers hospitalisation bills, pre and post hospitalisation expenses, maternity expenses and newborn baby. It pays a lump sum amount if the baby is born with Down's syndrome or Cerebral Palsy. It also provides for emergency ambulance and non-allopathic treatment except Naturopathy. The expenses are capped up to stated in the plan.


Waiting period for maternity cover reduces to two years if one opts for a 4-year policy term.
Non-allopathic treatments are covered.
Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.


Policy offers a maximum cover of Rs 5 lakh, which may not be sufficient for a family of three.
This policy cannot be renewed beyond 45 years of age.

Our View

Though it offers decent benefits and features, the policy is little expensive as compared to other products in the market. Cover for non-allopathic treatment may be a cause for higher price. Coverage upto maximum of 45 years of age is another drawback. If you are looking for such a policy, consider substitutes from other insurers that are available at cheaper rates.

Entry Age (years) 
Minimum18; 5 months for children
Maximum Policy Renewal Age (years)45
Coverage Type2 adults/ 2 adults and one child
Sum Insured (Rs) 
Maximum5 lakh
Minimum3 lakh
Policy Term (years)1 or 2 or 4
Tax BenefitPremium paid is eligible for tax benefit under section 80D of the Income Tax Act
Pre Policy Medical Check UpNot required
Free look Period15 days; available under 4 year policy only; In case of policy cancellation, premium paid would be refunded after deduction of 5% of premium provided no claim has been made
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
Additions to the Plan
Scope Of Cover
Option I (Sum insured Rs 3 lakh)Option II (Sum insured Rs 5 lakh)
Cashless facilityAvailable at empanelled hospitals in India.
In-patient HospitalisationCovered
Room rent, boarding and nursing expensesupto Rs 4000 per day
Surgeon, Anesthetist, Medical practitioner, Consultants, Specialist Fees Covered
Emergency AmbulanceUpto Rs 1000 per hospitalisation ; maximum Rs 1500 per policy period
Pre Hospitalisation expensesMedical expenses upto 30 days prior to hospitalisation are covered
Post Hospitalisation expenseslumpsum payment equal to 7% of hospitalisation expenses(excluding room rent); Maximum Rs 5000
Delivery (normal or caesarean)Rs 15000 for normal delivery and Rs 20000 for caesarean delivery ;one delivery onlyRs 20000 for normal delivery and Rs 25000 for caesarean delivery ;one delivery only
Pre and post natal expenses (part of delivery expenses)Pre Natal: Rs 1500; Post Natal: Rs 2000Pre Natal: Rs 2000; Post Natal: Rs 4000
Post delivery complications for motherCoveredCovered
Test for detecting any foetus disordersCovered upto Rs 1000 after waiting period of 27 months or 15 months in case of 4 year policy termCovered upto Rs 1000 after waiting period of 27 months or 15 months in case of 4 year policy term
New born baby (including congenital disorders)Covered ; Rs 30000Covered ; Rs 50000
New born baby with Down's Syndrome and Cerebral PalsyLumpsum payment of Rs 60000Lumpsum payment of Rs 1 lakh
Non allopathic treatments25% of sum insured per occurrence; maximum Rs 25000 per policy period
Exclusions and Waiting Period
Pre-existing diseasecovered after a waitng period of 4 years
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting Periodtest for detecting any disorders in foetus will be covered after 27 months (14 months in case of a 4 year policy term).Delivery expenses would be covered after 36 months period or 24 months in case of a four year policy.certain diseases such as cataract, varicose veins etc. will be covered after 2 years.Certain diseases such as hernia, sinusitis etc. will be covered after 1 year.
Pre & Post hospitalisation expensesNot available for child delivery claims
General ExclusionsNaturopathy treatmentCosmetic, slimming and any beauty treatmentUse of alcohol etc.Involvement in any criminal or unlawful acts
Annual Premium for 1 year Policy Term
Age (in years)Family Size
2 Adults2 Adults + 1 Child
3 lakh Sum Insured
5 mths- 351030510535
5 lakh Sum Insured
5 months- 351396014470
Premiums are exclusive of service tax
Single Premium for 2 years policy term
Age (in years)Family Size
2 Adults2 Adults + 1 Child
3 lakh Sum Insured
5 mths- 351855018965
5 lakh Sum Insured
5 mths- 352513026050
Premiums are exclusive of service tax
Single Premium for 4 years policy term
Age (in years)Family Size
2 Adults2 Adults + 1 Child
3 lakh Sum Insured
5 months- 354328544250
5 lakh Sum Insured
5 months- 355863560775
Premiums are exclusive of service tax