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Star Shri Family Care

Eligibility  
Entry Age (years)  
Minimum 18; 5 months for children (applicable under Section 1 only)
Maximum 50
Maximum Policy Renewal Age (years) 60 (for health cover, policyholder may migrate to any other health insurance policy offered by Star Health Insurance after attainment of 60 years of age with continuity of existing policy benefits)
Coverage Type Health Insurance under Section I will be available to entire family on a floater basis. Life cover under section II will be available to the proposer who is also the earning member.
Sum Insured (Rs)  
Maximum 5 lakh; in case of Section 2 (Life Insurance) sum insured will be subject to maximum of health Sum Insured taken in Section 1
Minimum 1 lakh
Policy Term (years) 1 under section 1(health Insurance) and 60-age at entry for section 2(life Insurance)
Tax Benefit Section 80D and Section 80C of the Income Tax Act are applicable
Discount 10% for every claim free year till it reaches 25% of initial sum insured (under section1 only)
Free look Period 15 days starting from the receipt of policy
Grace Period for Policy Renewal 15 days
Customer Service Star Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034. Shriram Life Insurance Company Ltd, 3-6-478, 3rd floor, Anand Estates, Liberty Road, Himayat Nagar, Hyderabad- 500029
Customer Service  
Mail to support@starhealth.in, info@starhealth.in
Call to 1800 425 6116(Shriram Life) or 1800 425 2255(Star health)
Scope of Cover
Cashless facilityavailable at empanelled network of hospitals
Re-imbursementavailable if treatment taken in non network hospital
Pre-hospitalisationcovers medical expenses upto 30 days prior to the hospitalisation
Post-hospitalisationlumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence
Section 1 (Health Insurance)
Inpatient hospitalisationcovers sickness, illness, diseases and accidental injuries
Room rent, boarding2% of Sum Insured subject to a maximum of Rs 4000 per day for Class A cities; 1% of Sum Insured subject to a maximum of Rs. 3,000/- per day for Class B cities and 1% of the Sum Insured subject to a maximum of Rs. 1,000/- per day for other cities
nursing expenses , surgeon's fees, consultant's fees, anesthetist's and specialists feescovered
Emergency ambulancecovered for Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Operation Theatre charges, drugs and medicines diagnostic materials, cost of pace makercovered
Section 2 (Life Insurance)
Life Insurancecovers only policy proposer who is also an earning member; pays sum assured on demise of policyholder
Surrender valueNil
Exclusions and Waiting Period
under Section 1 (Health Cover)
Pre-existing diseasescovered after a period of 48 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as cataract, varicose veins etc. will be covered after a period of 2 years.Certain diseases such as hernia, piles, sinusitis etc. will be covered after a period of 1 year
under Section 2 (Life Insurance)Suicide within 1 year whether sane or insane from commencement/ reinstatement of the policy.
Waiting Period90 days in case of section 2 (life cover) beginning from the inception of the policy (except for accidental death)
General ExclusionsNaturopathy treatmentNon allopathic treatmentCosmetic, beauty, weight reduction and other likely treatments.War, participation in any criminal activity or adventurous activities such as mountaineering etc or any other related condition