Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. You can purchase this plan while buying or incepting the health policy under Star Health or while renewing your existing policy with the same.
This add-on comes with two different sections. The policyholders have the choice of opting for either of the two sections that are mentioned below:-
Section 1:- Coverage options availability
Enhanced Room Rent
Claim Guard (Coverage for Non-medical Items)
Enhanced Limit for Modern Treatments
Enhanced Limit for AYUSH Treatment
Home Care Treatment
Bonus Guard
Section 2:- Coverage options availability
Option to Choose Aggregate Deductible (discounts on premium according to the listed policy clause)
Eligibility Criteria for Star Extra Protect Add-On Cover
Read below the eligibility criteria for buying the Star Extra Protect insurance plan and the sum insured it offers:-
Entry Age
As per the entry age of base health policy [Only applicable with Family Health Optima Insurance Plan / Star Comprehensive Insurance Policy / Medi Classic Insurance Policy (Individual)]
Sum Insured (in Rs.)
INR 10 - 20 Lakhs and above, same as the base policy (base policy's SI should be a minimum of INR 10 Lakhs and above)
Plan Type
Applicable on comprehensive Individual/ Family Floater plans
Policy Term
Depending on the base policy opted for
Initial Waiting Period
Subject to the base policy's waiting period
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
Benefits of Star Extra Protect Add-on Cover Insurance
On purchasing an individual or family floater-based health plan, it is mandatory to purchase this add-on cover. Below are the benefits of buying it:-
Bonus Guard
The cumulative bonus under the base health plan will be stable if you have not utilized it. Any discounts on payable premiums will be imposed on policy renewal or transfer of policy under the same options of Star Health Insurance (aforesaid).
Enhanced Room Rent Limit
The room rent limit, expenses for hospitalisation beyond the coverage in your base policy, and nursing, and boarding expenses get maximum coverage with the plan.
Modern Treatment
Modern treatments like robotic surgery, stem cell therapy, and others in inclusion with the base health policy are subject to compliance with add-ons along the sub-limit clause.
Claim Guard
If non-medical expenses or consumables such as; baby food, laundry, braces, etc (if admissible) are a content of your base plan, you'll get the claim amount for such items. This add-on cover will protect the chances of claim rejection for non-medical expenses.
Home-care treatment
Treatment done under home care is subject to a maximum of 10% of the base SI or up to INR 5 Lakhs in a policy year. This criterion is only applicable to the home-care treatments scheduled under your plan.
Aggregate Deductible Option
You can avail of a discount on the payable premiums if you choose any listed category of deductible clause in the base health policy.
Tax Benefits
All the premiums paid towards Star Extra Protect are eligible for tax benefits under Section 80D of the Income Tax Act 1961, depending on the tax relief under your base health policy.
Choose your Star Extra Protect Insurance Plan
Get additional coverage benefits under Star Extra Protect Insurance with your base policy. This add-on cover is only applicable to the following plans of Star Health Insurance:-
Family Health Optima Insurance Plan
Star Comprehensive Insurance Policy
Medi Classic Insurance Policy
This add-on cover is subject to the benefits mentioned under the three base (mentioned above) policies of Star Health General Insurance company. Know below what the inclusions of Star Extra Protect Health Insurance Add-on Cover are:-
In-patient & Out-patient Coverage
Room Rent
Covered
ICU Charges
As per the base policy
Pre-Hospitalization
NA
Post-Hospitalization
NA
Domiciliary Hospitalization
NA
Daycare Treatment
NA
OPD Charges
NA
Coverage Terms
COVID-19 Treatment
NA
Cataract
NA
No Claim Bonus
Applicable
Automatic Restoration
NA/Depending on the base policy
Daily Hospital Cash
Available
Organ Donor
As per the base policy
Maternity Cover
NA
New Born Baby Cover
NA
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
NA
Modern Treatment
Covered
Emergency Coverage
Ambulance
Applicable
Air Ambulance
As per the base policy
Compassionate Travel
NA
Global Coverage
NA
Wellness Programmes
E-Consultation
NA
Health Check-Up
As per the base policy
Second Medical Opinion
NA
Vaccination
Not Applicable
Limitations
Co-payment
NA
Sub-limits
For modern treatments under the base policy (up to SI)
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Star Extra Protect Insurance Plan
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is Domiciliary Hospitalization?
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Health Extra Protect Insurance Policy?
Not Applicable
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star Health Extra Protect Insurance Policy?
Not covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Star Health Extra Protect Insurance Policy?
Not Applicable
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Health Extra Protect Insurance Policy?
Available.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Health Extra Protect Insurance Policy?
Not Applicable
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization..
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Health Extra Protect Insurance Policy?
Not covered.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Star Health Extra Protect Insurance Policy?
Maternity expense coverage is not available under the Star Extra Protect Insurance Plan.
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
ongenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under Star Health Extra Protect Insurance Policy?
New Born Baby Cover is not applicable.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Health Extra Protect Insurance Policy?
Covered
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Star Health Extra Protect Insurance Policy?
Not Available
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Health Extra Protect Insurance Policy?
Available
What is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Star Health Extra Protect Insurance Policy?
Not Applicable
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Health Extra Protect Insurance Policy?
Not Applicable
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Health Extra Protect Insurance Policy?
Not Applicable
What is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Star Health Extra Protect Insurance Policy?
As per the base policy
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Star Health Extra Protect Insurance Policy?
Not Covered
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Health Extra Protect Insurance Policy?
Not covered
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Star Extra Protect Insurance Plan
NA
What is the Sub limit?
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor's fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under Star Extra Protect Insurance Plan
As per the base policy
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
What is Not Covered (Exclusions) Under Star Extra Protect Add-On Cover
Exclusions under Star Extra Protect Insurance add-on cover are similar to the base policy (aforesaid) you have opted for. All the common exclusions of the base policy are subject to be revised on renewal or issuance of other base health plans.
How To Claim Star Extra Protect Add-On Cover?
To avail of a claim settlement against the base policy over the Star Extra Protect plan, here are the guidelines you've to follow:-
Visit the official website of Star Health Insurance
Click on the 'Claim' button on the header of the official website, followed by 'Claim intimation.'
For claim intimation, the official website has a pre-authorized form that you can fill in with details like name, contact number, email, policy number, city, and product name and click on the 'Submit' option.
You can reach out to your insurer on the toll-free number 044 4002 0888 or 1800 425 2255 or email support@starhealth.in the details like claim number/reference number and other claim-related queries.
The Storyline
Star Extra Protect Insurance is an add-on cover that supports your base health policy's sum insured. When you raise a claim, it gets activated and assures less out-of-pocket expenses in times of emergency. The Star Extra Protect Insurance is a tailor-made plan for those who want an extension with modern-day care, home care treatment, non-medical coverage, etc with their base insurance.
To know more about the plan, you can reach out to the official website of PolicyX.com or you can ring us on 1800 4200 269.
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Tax Benefits
High SI
Multiple Optional Covers
Smart Health Pro Plan (Pros)
Modify Room Category
Up to 600% Cumulative Bonus
Reduced Waiting Period
Non-Medical Items Covered
Unlimited Automatic Restoration
Smart Health Pro Plan (Cons)
Adventure Sports Injuries
AIDS not covered
Injuries due to Illegal activities
No IVF Treatment
Obesity Not Covered
Smart Health Pro Plan (Other Benefits)
Multiple Discounts Available
Family Health Cover
Daycare Treatments
Air Ambulance
Domiciliary Hospitalization
Smart Health Pro Plan (Eligibility Criteria)
Entry Age: 18 Years
Maximum Entry Age: 50 Years
SI - 5 L to 1 Crore
Waiting Period - 30 Days
Star Extra Protect Insurance Plan: FAQs
1. What is the Star Extra Protect Add-on insurance plan?
It's an add-on cover that you can buy with your base policy to enhance the coverage limit for room rent, AYUSH treatment, modern treatment, home-care treatment, etc.
2. What is the sum insured for this plan?
The sum insured is applicable according to the SI of your base health policy. Given the condition, your base health plan's SI should be INR 10 Lakhs or more.
3. Is there any deductible option in the plan?
Opting for Section- 2 of this add-on cover has an aggregate deductible option that offers discounts on the payable premium of the base policy (you cannot opt out of this section once chosen).
4. Can I buy this plan under any Star Health policy?
This plan is available only with the following Star Health Insurance Plans:-
Family Health Optima Insurance Plan
Star Comprehensive Insurance Policy
Medi Classic Insurance Policy
5. Who can buy the Star Extra Protect Insurance Policy?
Anyone who has the base health policy under Star Health can buy this add-on cover. Given that, the minimum or maximum age limit remains the same for the base plan and the Star Health Extra Protect Plan.
Read what customers have to say about Star Health health insurance.
Simran
Jamshedpur
April 8, 2024
I am impressed by Star Health reward features and want to be associated with the insurer for a long time
Dinesh
Belgaum
April 8, 2024
I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance
Nitika
Jalandhar
April 8, 2024
My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy
Ashima
Amritsar
April 8, 2024
I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...
Shikha Bajaj
Gurgaon
April 8, 2024
I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience
Kanupriya
Rajkot
April 8, 2024
I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.
Neha Sukheja
Indore
April 8, 2024
I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.
Vaidehi Kanaujia
Indore
April 8, 2024
I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.