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Star Unique Health Insurance

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://
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India
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