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Star Health Assure Insurance Policy is a versatile, 360-degree health insurance plan providing wide coverage for yourself, your spouse, dependent children, parents, and parents-in-law. The plan can be availed on an individual or family floater basis. Any individual aged between 91 days and 75 years can avail of this plan individually. The Star Health Assure Insurance policy does not require individuals to undergo any pre-medical check-ups.
The Star Assure Plan is an ideal healthcare plan for young couples who are planning to get married or start a family. With the mid-term inclusion benefit, you can cover a newly wedded spouse, newborn baby, and legally adopted child under the policy by paying an additional premium. Features such as assisted reproduction treatment, chronic severe refractory asthma cover, home care treatment, and automatic restoration make Star Health Assure an attractive and efficient health insurance plan for many.
Apart from this, you can get an automatic restoration of the sum insured multiple times if you raise a claim. The newborn baby covered along with the delivery coverage benefit (normal and caesarian deliveries both) has additional pre-natal and post-natal care. The policyholder can also receive home care treatment from the convenience of their home, in case they are not able to move to the hospital for treatment.
Additionally, In Utero Fetal Surgery/Intervention is also one of the highest selling points of the Star Assure Policy. The plan gives you up to a 100% increase with the cumulative bonus, with specifications of 25% on each claim-free year of the policy. To know more about Star Health Assure Insurance Policy details, read this page thoroughly.
| PLAN DETAILS |
Star Assure Plan |
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Bajaj General Herizon Care |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
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) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Available |
| Plan Entry Age | Child: 16 Days - 17 Years, Adult: 18 - 75 Years | Adults: 18 – 80 years, Children: 90 days – 35 years |
| Plan Premium Entry Age and S/A | 9762 | 2845 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Maternity & pregnancy expenses, infertility treatment & assisted reproductive technology, critical illness cover for women-specific diseases, hospitalization & day care procedures, newborn & baby care cover, mental health & emotional wellness support. |
| Plan Sample Premium | - | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3/4/5 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 99.23 |
| Solvency Ratio | 2.21 | 3.25 |
|
Star Health Insurance Plan Detailed Review |
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