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The Star Women Care Insurance Policy is designed to support women's health needs, acknowledging their endless responsibilities. It offers comprehensive healthcare coverage to help them face life with confidence.
The Star Health Women Care Policy is a comprehensive insurance product for all healthcare needs. It offers a sum insured ranging from INR 5 Lakhs to 1 Crore, available in individual and family floater variants. For family floater plans, at least one female member must be included. The policy covers a woman and her family (if a family floater plan is chosen), including hospitalization expenses, maternity-related conditions, and complications during pregnancy or delivery. A significant benefit is that female insured members do not require a pre-acceptance medical screening. This plan can be purchased anytime, even during pregnancy.
The Star Health Women's Care Insurance plan includes additional coverage for:
Additionally, you can avail of extensive maternity benefits, a wellness program to track your health, preventive health check-up benefits, vaccination charges, delivery care, and coverage for other medical conditions related to women. You can choose an installment option to pay your premiums, subject to loading charges (3% for quarterly, 2% for half-yearly). Mid-term inclusions are also allowed, giving you the flexibility to add a newlywed spouse, infant/newborn, or legally adopted child to your health policy.
All other specifications for this plan are detailed on this page. Read further to make a well-informed decision about the Star Women's Care health policy.
Here are some key benefits of buying the Star Health Women Care policy:
Female insured persons receive special benefits for in-utero surgical treatments, including:
Cashless facilitation for bariatric surgery is covered up to a maximum limit of INR 2.5 to 5 Lakhs, as per the expense coverage mentioned in your policy documents.
Voluntary sterilization procedures like Tubectomy and Vasectomy (for married women above 22 years) are covered under the plan after a waiting period of 24 months. Reversal sterilization is not covered.
This program encourages a healthy lifestyle by offering rewarding benefits, including discounts on premiums.
Female insured members do not require any pre-acceptance medical check-ups.
With an additional charge, you can opt for cancer cover under this plan. The insurer will pay a lump sum amount to the insured person mentioned in the policy upon diagnosis.
Policyholders have the option to restore their policy's sum insured up to 100%. This benefit can be availed upon partial or full exhaustion of the base Sum Insured.
You can avail of a tax exemption benefit for this plan under Section 80D of the Income Tax Act, 1961.
| PLAN DETAILS |
Star Women Care Plan |
Criticare Plan |
| Product Type | Individual and Family Health Insurance | Critical Illness Health Insurance |
| 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) |
Not 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 | 10000 |
| 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 | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not 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 | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Not Covered |
| Plan Entry Age | 18 - 75 years, Child: 91 days - 25 years | Adults - 18 -65 years |
| Plan Premium Entry Age and S/A | 12154 | 17,765 |
| Plan Waiting Period | 30 | 90 days to 4 years |
| Plan Coverage | - | AccidentCare cover, CritiCare cover, HospiCash cover |
| Plan Sample Premium | - | 17,765 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | 1 year, 2 year, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 94.4 |
| Solvency Ratio | 2.21 | 3.03 |
|
Star women care Insurance Policy Niva Bupa Health Insurance Plan Detailed Review |
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