Star Hospital Cash Insurance Policy: Benefits & Coverage | PolicyX
Star Health Insurance Star Health Insurance ★ 4.4

Star Hospital Cash Policy

The plan offers base and enhanced health plan options with features li ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
99.06% claim settlement

About Star Hospital Cash Policy

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection, covering incidental expenses such as travel, food, and others that are not typically covered under a general health insurance plan. The plan offers lump-sum coverage for expenses incurred during hospitalization due to any sickness or injury. The various benefits and features under the Star Hospital Cash Insurance Policy include:

  • Sickness Hospital Cash
  • Accident Hospital Cash
  • ICU Hospital Cash, and more.

Star Hospital Cash Insurance Policy is a versatile health insurance plan that requires certain eligibility criteria and is available in two variants: Basic and Enhanced.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
NA
Policy term
1/2/3 Years

*Initial Waiting Period is the time 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • <ul> <li>3 Years Policy Term</li> <li>Cover up to 3 Children</li> <li>180 days of hospital cash</li> <li>Comprehensive Plan</li> <li>Various Hospital Cash Covers</li> </ul>

Cons

  • <ul> <li>Obesity Treatment Unavailable</li> <li>Hazardous Activity not covered</li> <li>HIV/AIDS not covered</li> <li>Cosmetic Surgery unavailable</li> <li>Injuries due to breach of law</li> </ul>

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

All about Star Health Insurance and Plans

All about Star Health Insurance and Plans

Star Health Insurance Plan Detailed Review

Star Health Insurance Plan Detailed Review

Star Hospital Cash Insurance Policy Benefits

Star Hospital Cash Insurance offers several benefits and features to insured individuals. To understand more about the plan, refer to the details below:

  • Portability

    The plan is portable for insured individuals. If you wish to port this policy, Star Health Insurance should be informed at least 45 days before the renewal date.

  • Avail Daycare Treatments

    With Star Hospital Cash Insurance Policy, insured individuals are entitled to daycare treatments listed in the policy schedule, covered up to 5 times in a policy year.

  • Worldwide Hospital Cash

    Star Hospital Cash Insurance offers worldwide hospital cash in case of hospitalization for illness or injury outside India, up to 200% of the daily hospital cash amount, subject to a limited number of days chosen by the insured.

  • Child Birth Hospital Cash

    For female insured individuals, childbirth hospital cash is available towards childbirth after a waiting period of 2 years from the plan's commencement.

  • ICU Hospital Cash

    Star Hospital Cash Insurance offers ICU Hospital Cash for ICU expenses due to illness or injury, provided up to 200% of the hospital cash amount opted by the insured. The number of ICU hospital cash days varies based on the plan option (individual or floater).

Star Hospital Cash Insurance Policy Coverage

To understand the coverage scope under the Star Hospital Cash Insurance Policy, refer to the table below:

Coverage Sub-Limit
Sickness Hospital Cash Provided up to the hospital cash amount for the maximum number of days chosen by the insured individual
Accident Hospital Cash Available up to 150% of the hospital cash amount opted by the insured individual
ICU Hospital Cash Available up to 200% of the hospital cash amount opted by the insured individual
Convalescence Hospital Cash Available in case the insured individual is hospitalized beyond 5 consecutive days
Child Birth Hospital Cash Avail daily hospital cash benefit towards childbirth
Worldwide Hospital Cash 200% of daily hospital cash amount subject to a maximum number of days chosen as per the insured individual
Daycare Procedures Covers listed daycare treatments

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.

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Obesity and weight control surgeries
  • Change of gender treatments
  • Cosmetic or Plastic surgeries
  • Treatments due to substance abuse
  • Sterility and infertility treatments
  • Pre-Existing Diseases: 36 Months
  • Listed Ailments: 24 Months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: 91 Days
  • Maximum Entry Age: 65 Years
  • Sum Insured (SI): ₹1,000: ₹5,000
  • Waiting Period: 30 Days

Other features & benefits

Conclusion

Star Hospital Cash Insurance offers multiple benefits to insured individuals in cases of hospitalization. With worldwide hospital cash, childbirth hospital cash, accident hospital cash, and other such benefits, you are assured of efficient medical care. With two plan variants, Basic and Enhanced, you can opt for your preferred sum insured for your hospital cash needs.

Star Hospital Cash Insurance Policy: FAQs

The 5 most-asked questions about Star Hospital Cash Policy, answered.

The eligibility criteria for Star Hospital Cash Insurance Policy are 18 years to 65 years for adults and dependent children can be covered from 91 days to 25 years.
The sum insured options available under the Star Hospital Cash Insurance Policy are INR 1K, 2K, and 3K for the basic plan variant and INR 3K, 4K, and 5K for the enhanced plan variant.
Yes, tax benefits are available under the Star Hospital Cash Insurance Policy.
Yes, Star Hospital’s cash insurance policy is portable. However, you have to inform the insurer 45 days before the renewal date.
No, maternity and new born baby coverage are not available under the plan.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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