Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, 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 to 75 years can avail of this plan on an individual basis. Star Health Assure Insurance policy does not require individuals to undergo any pre-medical check-ups.
Star Health Assure Insurance Policy is an ideal health care plan for young couples who are planning to get married or plan a family. With the mid-term inclusion benefit of the plan, 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.
A part from this, you can get an automatic restoration of the sum insured to the extent of several times that 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, the specifications of which are 25% on each free-claim year of the policy. To know more about Star Health Assure Insurance Policy details read this page thoroughly.
Star Health Assure Policy Specifications
To understand Star Health Assure Policy Insurance in detail, take a look at the below table:
Entry Age
Individual: 91 - 75 Years, family floater: 18 - 75 Years
Policy Type
Individual and Family Health Insurance
Sum Insured
5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr | 2 Cr
Initial 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.
Choose Your Star Health Assure Policy
With wide coverage options available, Star Health Assure Policy Insurance Plan
allows you to
choose your ideal coverage as per your family’s health requirements. Take a look at the
coverage under every SI option available and choose your ideal coverage:
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage
Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative
Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency
Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Not Covered
Wellness
Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Applicable
What
is Room Rent?
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
What
are ICU Charges?
It is a special hospital department where patients with serious medical conditions are treated.
What
is Pre Hospitalization?
Medical expenses incurred before hospitalisation of the policyholder.
What
is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
What
is Domiciliary Hospitalization?
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
What
is Daycare Treatment?
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
What
are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
.
What
is COVID-19 Treatment?
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
What
is Cataract Treatment?
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
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 or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
What
is Automatic Restoration?
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
What
is Daily Hospital Cash?
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
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. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
What
is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section deliveries.
What
is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Daycare treatment
What
is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
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 settled or reimbursed for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
What
is a Modern Treatment?
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
What
is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
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.
What
is Compassionate Travel?
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
What
is Global Coverage?
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
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.
What
is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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.
What
is Vaccination cover?
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
What
is Co-payment?
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
What
is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Star Health Assure Insurance Policy Benefits
Star Health Assure Insurance Policy offers a plethora of benefits to customers. Mentioned below are the same:
High Sum Insured Options
Star Health Assure Insurance Policy offers a wide range of sum insured options to insured individuals ranging between 5 Lakhs to 2 Crore. The Star Health Assure offers adequate sum insured options to individuals which they can opt for as per their needs and requirements.
Star Wellness Program
Star Health Assure Insurance Policy offers a wellness program to motivate and encourage insured individuals to maintain a healthy lifestyle by offering up to 20% discounts on renewal on completion of certain health and fitness tasks and activities.
Optional Deductibles
Insured individuals can avail of discounted premium rates by selecting the available deductibles under the Star Health Assure Insurance Policy.
Rehabilitation and Pain Management
Under the Star Health Assure Insurance insured individuals can avail of expenses incurred for rehabilitation and pain management to the specified sub-limit or a maximum of up to 20% of the sum insured.
Tax Benefits
All the premiums paid towards the Star Health Assure Insurance Policy are eligible for tax benefits as per the Income Tax Act, 1961.
How to claim the Star Health Insurance Assure plan?
In case of hospitalisation or medical emergency, you must know how can you claim your Star Assure Policy, read here the steps:
Step 1 Inform your insurer 24 hours before hospitalisation (planned), and within 24 hours of hospitalisation (emergency).
Step 2 Upon filling out and submitting the claim form and asked documents, you can receive treatment at the networking hospital.
Step 3 The Star Health Insurance company will settle your medical expenses with the hospital directly.
Step 4 In case you were hospitalised in a non-networking hospital, pay the medical bills upfront from pocket. Later, the insurer will reimburse your hospital bills.
Step 5 If you need assistance with the claim procedure, call our toll-free number 1800 4200 269 or reach out to us at helpdesk@policyx.com.
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Star Health Assure Policy Network Hospital List
Star Health Assure Policy Network Hospitals are present in 31
states
nationwide. With a wide network of hospitals, Star Health Assure Policy ensures
that you are
medically secured, irrespective of the city you reside in.
Sample Premium Illustrations of Star Health Assure Insurance Policy
To understand how much premium one needs to pay towards the Star Health Assure Insurance policy, let us go through the below example wherein we have illustrated the sample premiums
1 Adult - Premium Chart for 1 Year (Excluding GST)
Sum Insured (In Rs.)
5 L
15 L
25 L
75 L
1 Cr
2 Cr
Premium (In Rs.)
7,259
12,331
15,228
19,912
21,582
23,971
2 Adult - Premium Chart for 1 Year (Excluding GST)
Sum Insured (In Rs.)
5 L
15 L
25 L
75 L
1 Cr
2 Cr
Premium (In Rs.)
12,165
21,306
26,320
34,414
37,329
41,532
2 Adult + 1 Child - Premium Chart for 1 Year (Excluding GST)
Sum Insured (In Rs.)
5 L
15 L
25 L
75 L
1 Cr
2 Cr
Premium (In Rs.)
15,482
26,121
32,252
42,055
45,580
50,609
Exclusions of Star Health Assure Health Insurance Policy
Read below to understand what’s not covered under the Star Assure Health Insurance Policy:
Investigation & evaluation
Rest cure, rehabilitation (except coverage under the schedule) and respite care
Obesity/ weight control
Change of gender treatments
Hazardous/ adventurous activities/sports
Unproven treatment, sterility, and infertility treatments
Maternity (except specified in the schedule)
Excluded providers
Breach of law
Alcoholism/drug abuse
Coverage after Waiting Period
Pre-existing Diseases 30/36 Months
Listed Ailments 24 Months
To Sum It Up
The Star Health Assure Policy offers almost all kinds of new-age treatment coverage, OPD, coverage for pre-natal and post-natal care and so on. Star Health Assure Plan premium is affordable and allows the policyholders to get ultimate benefits at pocket-friendly options. With Star Assure Health Policy, you can be rest assured of yourself and your family’s health and well-being.
If need any further assistance with the company’s customer care, or the Star Health Assure insurance policy details, etc, click on Get a Quote on your screen and reach out to the insurance advisors at PolicyX.com.
Explore other Star Health Insurance
To cater to the different medical needs of an individual & their family,
Star Health Insurance 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/health-insurance/articles/
explore more:
Star Health Diabetes Safe Insurance Policy
Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals...
Unique Features
Diabetes Cover
High Sum Insured
OPD Cover
Star Diabetes Safe Insurance Policy (Pros)
Road Ambulance Cover
Pre and Post Hospitalization
ICU Cover
Room Rent Cover
Day Care Treatment Cover
Star Diabetes Safe Insurance Policy (Cons)
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law
Star Diabetes Safe Insurance Policy (Other
Benefits)
Dialysis Cover
Kidney Transplant Cover
Artificial Limbs Cover
Personal Accident Cover
OPD Cover
Star Diabetes Safe Insurance Policy (Eligibility
Criteria)
Star Health Premier Insurance Policy
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and ...
Star Cancer Care Platinum Insurance Policy
Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the ins...
Unique Features
SI Upto 10 L
Hospice Care
Pain Management
Star Cancer Care Platinum Policy (Pros)
Cataract Cover
No pre-medical check-up
Lump Sum Cover
50% Cumulative Bonus
Hospice Care
Star Cancer Care Platinum Policy (Cons)
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law
Star Cancer Care Platinum Policy (Other
Benefits)
Second Medical Opinion
Rehabilitation Cover
Pain Management
Day Care Treatment
Modern Treatment Cover
Star Cancer Care Platinum Policy (Eligibility
Criteria)
Star Critical Illness Multipay Insurance Policy
Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them...
Unique Features
Wellness Benefit
Cancer Cover
Heart Cover
Star Critical Illness Multipay (Pros)
Flexible Payment
Long Term Policy
Bone Marrow Transplantation
Heart Disease Cover
4 Group CI Covered
Star Critical Illness Multipay (Cons)
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law
Star Critical Illness Multipay (Other
Benefits)
Open Chest CABG
Heart Transplantation
Coma of Specified Severity
Wellness Programs
Major Head Trauma
Star Critical Illness Multipay (Eligibility
Criteria)
Star Hospital Cash Insurance Policy
Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and tak...
Star Cardiac Care Platinum Plan
Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac...
Star Health Special Care Gold Plan
A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with d...
Unique Features
Disability Cover
HIV/AIDS Cover
Waiver Of Co-Pay Available
Star Special Care Gold Plan (Pros)
Modern Treatment Available
Day Care Procedures Available
Ambulance cover
Room rent cover
Shared Accommodation cover
Star Special Care Gold Plan (Cons)
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Pre-existing Diseases
Star Special Care Gold Plan (Other
Benefits)
Treatment of Seizures
Behavioral Therapy Cover
Speech Therapy Cover
Occupational Therapy Cover
Adeno Tonsillectomy
Star Special Care Gold Plan (Eligibility
Criteria)
Star Extra Protect - Add-On Cover
Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations impo...
Star Smart Health Pro Plan
Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly cust...
Star Comprehensive Insurance Policy
Get comprehensive coverage at affordable premiums.
Star Comprehensive insurance policy is a complete health...
Star Medi Classic Insurance Policy
Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/...
Unique Features
Secured hospitalization
Road accident protection
Comes in 2 variants
Medi Classic Insurance Policy (Pros)
Plan Variants Available
Customizable Plan
Hospital-Cash Benefit
5% Family Discount
Organ Donor Cover
Medi Classic Insurance Policy (Cons)
10% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Medi Classic Insurance Policy (Other
Benefits)
New Born Baby Cover
100% Super Restoration
Up to 100% No-claim Bonus
Psychiatric coverage
Patient Care Cover
Medi Classic Insurance Policy (Eligibility
Criteria)
Star Women Care Health Insurance Policy
Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and...
Young Star Extra Protect- Add-on Cover Policy
Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts...
Unique Features
Base policy cover enhancer
Claim guard facility
AYUSH Coverage
Young Star Extra Protect Policy (Pros)
Modern treatment coverage
Room rent limit extension
Base policy’s sum insured enhancement
Features similar to the base policy
Home care treatment
Young Star Extra Protect Policy (Cons)
No maternity cover
Limited to SI of base policy
Organ donor expenses not covered
Vaccination not covered
COVID-19 care not covered
Young Star Extra Protect Policy (Other
Benefits)
Individual & family floater plan
Trusted insurance provider
Unlimited benefits up to SI
Cashless claim settlement
AYUSH Treatment cover
Young Star Extra Protect Policy (Eligibility
Criteria)
Star Health Super Surplus Insurance Policy
A top-up plan for added coverage at affordable costs
Star Super Surplus Insurance Policy is a top-up heal...
Unique Features
No pre-acceptance screening required
Coverage for maternity expenses
Up to 1 crore cover at affordable rates
Star Health Super Surplus Policy (Pros)
Flexible Policy
Avail Long Term Discount
Cover family up to 2A+3C
Lifelong renewal
2 Plan variants
Star Health Super Surplus Policy (Cons)
Includes Deductibles
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover
Star Health Super Surplus Policy (Other
Benefits)
Avail e-opinions
Star Wellness Services
Recharge benefit
Air Ambulance
No pre-policy Medical check-up
Star Health Super Surplus Policy (Eligibility
Criteria)
Star Cardiac Care Insurance Policy
Medical insurance designed specially for heart patients.
Star Health Cardiac Care Health Insurance plan is the pe...
Star Rural Micro Health Plan
Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively ...
Star Family Health Optima
A supersaver policy covering every family member.
Star Family Health Optima is a strategically priced family health insura...
Star Health Senior Citizen Red Carpet Plan
Perfect plan to secure your old age from medical expenses.
Star Senior Citizens Red Carpet Health Insuran...
Star Health Novel CoronaVirus Insurance
Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides cov...
Unique Features
Explore the Key Features of the Plan
Check the Eligibility Criteria
How to Buy the Policy Online?
Star Novel Coronavirus (nCoV) (Pros)
Star Novel Coronavirus (nCoV) (Cons)
Star Novel Coronavirus (nCoV) (Other
Benefits)
Star Novel Coronavirus (nCoV) (Eligibility
Criteria)
Young Star Insurance Policy
Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual an...
Star Health Arogya Sanjeevani
Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and s...
Star Health Gain Insurance Policy
Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifical...
Unique Features
Family coverage
Multiple sum insured
Save tax
Star Health Gain Insurance Policy (Pros)
Day Care Procedures Covered
Road Ambulance Available
Modern Treatments Available
Outpatient Benefit
Star Health Gain Insurance Policy (Cons)
20% Co-payment
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Star Health Gain Insurance Policy (Other
Benefits)
Up to 60k Cataract cover
Room Rent Cover
ICU Cover
Wide SI options
Flexible Premiums
Star Health Gain Insurance Policy (Eligibility
Criteria)
Star Health Insurance Plans for Family
Star Health Insurance plans for a family are a golden investment when it comes to securing the future of ...
Star Health Insurance Plans for Parents
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Unique Features
No medical examinations
High sum insured
Daycare procedures
Star Health Insurance for Parents (Pros)
Star Health Insurance for Parents (Cons)
Star Health Insurance for Parents (Other
Benefits)
Star Health Insurance for Parents (Eligibility
Criteria)
Star Health Insurance Critical Illness Plans
It is good to be prepared by having a health insurance policy that will take care of the medical and oth...
Unique Features
Lumpsum payout
Accidental hospitalization cover
Non-allopathic treatments cover
Star Health Critical Illness (Pros)
Star Health Critical Illness (Cons)
Star Health Critical Illness (Other
Benefits)
Star Health Critical Illness (Eligibility
Criteria)
Star Health Insurance for Maternity
Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in ...
Unique Features
Lifetime Renewal
Newborn’s Immunizations
Pediatrician Consultation
Star Insurance for Maternity (Pros)
Star Insurance for Maternity (Cons)
Star Insurance for Maternity (Other
Benefits)
Star Insurance for Maternity (Eligibility
Criteria)
Star Health Accident Care Policy
Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an u...
Star Outpatient Care
Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Sta...
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