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| PLAN DETAILS |
Icici Lombard Saral Suraksha Bima |
Young Star Insurance Policy |
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10600 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Covered |
| Plan Entry Age | Child: 3 months - 25 years, Adult: 18 - 70 years | 18 Years to 40 Years |
| Plan Waiting Period | NA | 30 |
| Plan Coverage | Accidental death cover, Permanent total disability cover, Permanent partial disability cover, Accident hospitalization expenses cover | The plan covers hospitalisation, pre-hospitalisation and post-hospitalisation expenses, day-care procedures, ambulance charges, AYUSH treatment and other listed medical expenses. Coverage depends on the selected variant and policy terms. |
| Plan Sample Premium | 224 | Starting from Rs. 4,000 per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | upto 3 years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Not Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 97.16 | 99.06 |
| Solvency Ratio | 2.69 | 2.21 |
|
Star Health Insurance Plan Detailed Review |
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