Eligibility | |
Entry Age (years) | |
Minimum | 5 months |
Maximum | 65 |
Maximum Policy Renewal Age (years) | 65 |
Coverage Type | Family floater |
Sum Insured (Rs) | |
Maximum | 15 lakh |
Minimum | 1 lakh |
Policy Term (years) | 1 |
Tax Benefit | Premium paid is eligible for tax benefit under section 80D of the Income Tax Act |
No Claim Bonus | 5% to 35% in event of a claim free year |
Pre Policy Medical Check Up | Required for person above 45 years of age at company's cost |
Grace Period for Policy Renewal | 15 days |
Policy Termination | Insurer may cancel the policy by giving a 30 days notice. The policyholder is allowed to cancel the policy too by giving a 30 day notice. The company shall refund a part of premium on basis of elapsed policy period provided no claim has been made during such period |
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], [email protected] |
Call to | 1800 425 2255/ / 044 2826 3300 |
SMS | STAR to 56677 |
No Claim Bonus | |||
Basic Sum Insured (Rs) | First Renewal | Second Renewal | Maximum Bonus Allowable |
100000 | 0.1 | 0.05 | 0.15 |
200000 | 0.1 | 0.05 | 0.15 |
300000 | 0.25 | 0.1 | 0.35 |
400000 | 0.25 | 0.1 | 0.35 |
500000 | 0.25 | 0.1 | 0.35 |
1000000 | 0.25 | 0.1 | 0.35 |
1500000 | 0.25 | 0.1 | 0.35 |
The Bonus will be reduced by 50% in the event of a claim. If there is a claim in the successive year also the bonus will become zero. The basic sum insured shall however not be reduced. |
Exclusions and Waiting Period | |
Automatic Restoration of Sum Insured | Restored Sum Insured can be utilized for illness/disease unrelated to the illness/diseases for which claim's was/were made. |
Pre existing diseases | covered after 48 months |
No claim period | Any disease contracted during the first 30 days of commencement of the policy |
Waiting Period | Certain diseases such as cataract, Varicose veins and Varicose ulcers etc shall be covered after a waiting period of 2 year.Certain diseases such as hernia, piles, sinusitis and related disorders etc. will be covered after a period of 1 year. |
Copayment | 20% of each and every admissible claim for person aged between 61 to 65 years at entry level |
General Exclusions | Naturopathy treatment and any treatment other than allopathyCosmetic, beauty or slimming treatment |
Scope of Cover | |
Cashless facility | Available at empanelled hospitals in India |
Re-imbursement | Available at non empanelled network of hospitals |
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 | 2% of sum insured,subject to a maximum of Rs.5000/- per day in Class A cities and 1% of Sum Insured upto a maximum of Rs 3000 per day in Class B cities and 1% of Sum Insured subject to a amximum of Rs 1000 per day in other cities |
Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs | Covered |
Emergency Ambulance | Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period |
Day Care Procedures | covers 101 procedures |
Cataract Treatment | Rs 12000 per policy perisod for Sum Insured upto Rs 2 lakhRs 20000 in respect of one eye and Rs30000 for entire policy period for Sum Insured ranging between Rs 3 lakh to Rs 5 lakhRs 30000 in respect of one eye and Rs 40000 for the entire policy period for Sum Insured above Rs 5 lakh |