Star Health Insurance – Star Health Assured

8.9
Expert ScoreRead review
  • Family size of upto 9 members allowed (6 Adults= Self + Spouse + Parents + Parents-in-law + 3 children). Children above 17 yrs are also allowed
  • Maternity benefits of upto 10% of base sum insured
  • Attractive discounts available on renewals and on choosing options of deductible
New age plan from STAR Health which covers the growing medical needs of individuals and families today
  • Cover :₹ 1.0 Crs
  • Bonus / NCB :NCB of upto 25% of sum insured for each claim free year upto 100%
  • Copay :10.0% 
  • Claims Settled :99.06%

23,254.00

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Category:
Health insurance

Star Health Insurance – Star Health Assured

8.9
Expert ScoreRead review


Premium Amount

23,254.00

  • Family size of upto 9 members allowed (6 Adults= Self + Spouse + Parents + Parents-in-law + 3 children). Children above 17 yrs are also allowed
  • Maternity benefits of upto 10% of base sum insured
  • Attractive discounts available on renewals and on choosing options of deductible
New age plan from STAR Health which covers the growing medical needs of individuals and families today
  • Cover :₹ 1.0 Crs
  • Bonus / NCB :NCB of upto 25% of sum insured for each claim free year upto 100%
  • Copay :10.0% 
  • Claims Settled :99.06%
Category:
100% Cover restoration
Automatic unlimited restoration of sum insured of upto 100% upon partial/full utilization during hospitalisation.
Free Health Check-up
-
Daily cash allowance
Rs 1,000 paid for shared accomodation during IPD
Ambulance charges
Road ambulance : Covered upto SI, Air ambulance: Covered upto 10% of base Sum Insured
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
NCB of upto 25% of sum insured for each claim free year upto 100%
Post hospitalisation
Expenses for 180 days covered
Ayush treatments
Ayush benefit up to Rs. 30000
Maternity
1)Delivery expenses: Upto 10% of base SI for normal and caeserean delivery including pre-natal and post-natal expenses post waiting period of 24 months., 2)Coverage for In Utero Fetal Surgery/ Intervention after waiting period of 24 months is served
Outpatient Expense
1. Upto 10% of base SI payable till Rs 5 lakhs per policy period per policy year for OPD treatment of Chronic Severe Refractory Asthma.
Organ donor expenses
Covered upto SI
New-born treatment
Applicable only for new borns for whom claim has been made for delivery in the policy,Coverage: Up to 2,00,000, Vaccination expense: Up to 10,000
Domiciliary Hospitalisation
Covered upto 10% of base sum insured till the limit of Rs 5 lakhs per policy year
Recovery allowance
NA
Sum Insured
100 lakh
E- Consultation
NA

Pros

NA
NCB of upto 25% of sum insured for each claim free year upto 100%
Ayush benefit up to Rs. 30000
Domiciliary Hospitalisation
Covered upto 10% of base sum insured till the limit of Rs 5 lakhs per policy year

cons

Category:

USP of This Plan

  • Family size of upto 9 members allowed (6 Adults= Self + Spouse + Parents + Parents-in-law + 3 children). Children above 17 yrs are also allowed
  • Maternity benefits of upto 10% of base sum insured
  • Attractive discounts available on renewals and on choosing options of deductible
New age plan from STAR Health which covers the growing medical needs of individuals and families today
  • Cover :₹ 1.0 Crs
  • Bonus / NCB :NCB of upto 25% of sum insured for each claim free year upto 100%
  • Copay :10.0% 
  • Claims Settled :99.06%

Our Take

8.9Expert Score
  • Family size of upto 9 members allowed (6 Adults= Self + Spouse + Parents + Parents-in-law + 3 children). Children above 17 yrs are also allowed
  • Maternity benefits of upto 10% of base sum insured
  • Attractive discounts available on renewals and on choosing options of deductible
New age plan from STAR Health which covers the growing medical needs of individuals and families today
  • Cover :₹ 1.0 Crs
  • Bonus / NCB :NCB of upto 25% of sum insured for each claim free year upto 100%
  • Copay :10.0% 
  • Claims Settled :99.06%
Best values score
8.9

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
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8.9Expert Score
  • Family size of upto 9 members allowed (6 Adults= Self + Spouse + Parents + Parents-in-law + 3 children). Children above 17 yrs are also allowed
  • Maternity benefits of upto 10% of base sum insured
  • Attractive discounts available on renewals and on choosing options of deductible
New age plan from STAR Health which covers the growing medical needs of individuals and families today
  • Cover :₹ 1.0 Crs
  • Bonus / NCB :NCB of upto 25% of sum insured for each claim free year upto 100%
  • Copay :10.0% 
  • Claims Settled :99.06%
Best values score
8.9

Specification: Star Health Insurance – Star Health Assured

Co-pay

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

,

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Star Health Insurance – Star Health Assured
Star Health Insurance – Star Health Assured

23,254.00

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