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Star Women Care Insurance Explained | Should You Buy?
Star Health Insurance
Star Women Care Insurance Policy
Designed specifically to cater to the health needs of women. From mate ...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 · 2,758 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Women Care Insurance Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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:
- Bariatric surgery
- In-utero fetal surgeries/repair
- Assisted reproduction treatment
- Antenatal care
- Accidental miscarriage treatment
- Optional cancer care
- Organ donor expenses
- Modern treatment cover
- Rehabilitation and pain management, etc.
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.
Benefits of Star Women's Care Insurance Policy
Here are some key benefits of buying the Star Health Women Care policy:
-
Coverage for In-utero Surgery
Female insured persons receive special benefits for in-utero surgical treatments, including:
- Open fetal surgery
- Fetendo fetal surgery
- Fetal image-guided surgery (FIGS-IT)
- EXIT procedure
-
Bariatric Surgery
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 Expenses
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.
-
Star Wellness Program
This program encourages a healthy lifestyle by offering rewarding benefits, including discounts on premiums.
-
No Pre-policy Check-ups
Female insured members do not require any pre-acceptance medical check-ups.
-
Lump Sum Payout on Diagnosis of Cancer
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.
-
Automatic Restoration of Sum Insured
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.
-
Tax Benefit
You can avail of a tax exemption benefit for this plan under Section 80D of the Income Tax Act, 1961.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 - 75 years, Child: 91 days - 25 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 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
- Designed for Women's Care
- Optional Cancer Cover
- Bariatric Surgery Cover
- Mid-term Inclusions
- High Sum Insured
Cons
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Not Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star women care Insurance 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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Pre-existing and specified diseases
- Investigation & Evaluation
- Rest cure, rehabilitation (except rehabilitation & pain management), and respite care
- Obesity/Weight Control (except bariatric surgery)
- Change of gender treatments, unproven treatments
- Beauty treatments and cosmetic/plastic surgeries
- Adventure activities, hazardous or life-threatening sports
- Breach of law
- Excluded providers
- Sterility and infertility (except assisted reproduction treatment and voluntary sterilization)
- Drug or alcohol abuse
- Hospitalization due to war, riot, strike, and nuclear weapons
- Listed ailments after 24 Months
- Pre-existing diseases after 24 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 91 Days
- Max Entry Age: - 75 Years
- SI: - 5 L to 1 Cr
- Waiting Period: - 30 Days
Other features & benefits
Important Information
Women are often more susceptible to lifelong diseases and illnesses related to hormonal shifts, which can lead to chronic ailments. Investing in health insurance from a trusted provider like Star Health Insurance Company is crucial for safeguarding your health and well-being. The Star Women Care insurance policy is an excellent investment to protect yourself in the long run.
You can buy your Star Health Women Care policy by visiting our official website, PolicyX. Alternatively, reach out to our customer care support at 1800 4200 269 or get a quote. Explore other women's health insurance plans here.
Star Women Care Health Insurance Plan: FAQs
The 5 most-asked questions about Star Women Care Insurance Policy, answered.
Yes, after a waiting period of 24 months from the date of first inception of this policy, the Company would cover the expenses spent for Voluntary Sterilization (Tubectomy / Vasectomy), provided that the Insured is a Married Person and his/ her age is 22 years and above.
Yes, annual and multi-year payments are available with the plan.
Yes, the Star Women Care Insurance plan provides a lump sum payout benefit for cancer-related diagnoses, treatments, etc.
You can cover up to 5 members (2 adults & 3 dependent children) under this policy.
The female members included in the policy aged from 91 days to 65 years can be covered for cancer coverage.
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