Health Assure Plan Service

Star Health Assure Insurance Policy is imbued with many new-age features and wider benefits which covers the expenses incurred on hospitalisation due to Illness or Accident on individual and floater basis. Coverages like Automatic Restoration of Sum Insured for unlimited number of times in a policy year, wellness discount up to 20%, the inclusion of up to 9 members of a family under family floater and Sum Insured option up to Rs.2 Crore make this policy the need of the hour to overcome the medical contingencies of future.

This policy can be availed either on an Individual or Floater basis. Any person aged between 91 days and 75 years can avail this policy on an Individual basis. Any person aged between 18 and 75 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 16 days and 17 years are covered. No pre-medical check-up is required to avail this policy. However, those who declare adverse medical history may be subjected to pre-medical check-up at Company's cost. In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered. Post-hospitalisation medical expenses incurred up to 180 days from the date of discharge from the hospital are covered. Air ambulance expenses are covered up to 10% of the Sum Insured per policy year, provided the situation requires an immediate hospitalisation of the insured person and ground transportation cannot be provided. Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the Sum Insured. In-patient hospitalisation expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable. In addition, the expenses incurred by the Donor, (if any) for the complications that necessitate a Redo Surgery / ICU admission will be covered. Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 20% of the Sum Insured whichever is less, per policy year. Expenses incurred for In Utero Fetal surgeries and procedures mentioned in this policy are covered with a waiting period. Note: The above-mentioned waiting periods will not apply for the treatment related to congenital Internal disease/defects for the Unborn. Cumulative bonus is provided at 25% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured. Insured person can avail premium discount if he/she choose any of the deductibles as mentioned in this policy.  If the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount. Health check-up expenses are covered up to the specified limits for each policy year irrespective of the claim. 1. For Pre-Existing Diseases (3 year term) - 30 months 2. For Pre-Existing Diseases (1 and 2 year term) - 36 months 3. For Specific Diseases/Procedures - 24 months Initial Waiting Period - 30 days. The air transportation expenses incurred up to Rs. 10,000/- are payable for an immediate family member to travel to the hospital in case of hospitalisation of the insured person for life-threatening emergency times, at the place away from insured’s usual place of residence.