Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Star Women Care Insurance Policy is a unique health insurance plan specifically designed to meet the requirements of today's women and their families. This plan from Star Health Insurance comes in two types i.e. individual and family floater. It offers coverage for regular hospitalization and complete maternity benefits. This product comes with a number of unique features such as no pre-acceptance medical screening, entrance during pregnancy, and an installment option in premium payment.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Read below to know more about the Star health Insurance "Star Women Care Plan", including its specifications and eligibility.
Individual & Family floater
5 | 10 | 15 | 20 | 25 | 50 | 100 Lakhs
Individuals: 18 to 75 years
Floater Sum Insured: Adult 18 years to 75 years (with min. 1 female adult)
1 | 2 | 3 Years
2A + 3C in family floater
180 Days
*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.
Coverage for SI: 5 Lakhs
Room Rent
1% of sum insured or maximum up to INR 20K per day
ICU Charges
Covered up to base SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Daycare treatments covered
OPD Charges
Covered, under the sub-limit
COVID-19 Treatment
Not Covered
Cataract
Covered after a waiting period
No Claim Bonus
20% of SI for every claim-free year
Automatic Restoration
One time 100% Restoration of SI
Daily Hospital Cash
Not available
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
25% of SI
AYUSH Treatment
Covered up to SI
IVF Treatment
Covered, under Assisted Reproduction Treatment
Modern Treatment
Covered as per Sub Limits
Ambulance
Covered
Air Ambulance
10% of the Sum Insured per year is payable.
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Covered, up to SI
Second Medical Opinion
Covered
Vaccination
Vaccination expenses for the new born baby are payable
Limitations
Co-payment
No Co-payment applicable
Sub-limits
Applicable for Modern Technology Treatments
Coverage for SI: 10 Lakhs
Room Rent
1% of sum insured or maximum up to INR 20K per day
ICU Charges
Covered up to base SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Daycare treatments covered
OPD Charges
Covered, under the sub-limit
COVID-19 Treatment
Not Covered
Cataract
Covered after a waiting period
No Claim Bonus
20% of SI for every claim-free year
Automatic Restoration
One time 100% Restoration of SI
Daily Hospital Cash
Not available
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
25% of SI
AYUSH Treatment
Covered up to SI
IVF Treatment
Covered, under Assisted Reproduction Treatment
Modern Treatment
Covered as per Sub Limits
Ambulance
Covered
Air Ambulance
10% of the Sum Insured per year is payable.
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Covered, up to SI
Second Medical Opinion
Covered
Vaccination
Vaccination expenses for the new born baby are payable
Limitations
Co-payment
No Co-payment applicable
Sub-limits
Applicable for Modern Technology Treatments
Coverage for SI: 15 Lakhs
Room Rent
1% of sum insured or maximum up to INR 20K per day
ICU Charges
Covered up to base SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Daycare treatments covered
OPD Charges
Covered, under the sub-limit
COVID-19 Treatment
Not Covered
Cataract
Covered after a waiting period
No Claim Bonus
20% of SI for every claim-free year
Automatic Restoration
One time 100% Restoration of SI
Daily Hospital Cash
Not available
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
25% of SI
AYUSH Treatment
Covered up to SI
IVF Treatment
Covered, under Assisted Reproduction Treatment
Modern Treatment
Covered as per Sub Limits
Ambulance
Covered
Air Ambulance
10% of the Sum Insured per year is payable.
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Covered, up to SI
Second Medical Opinion
Covered
Vaccination
Vaccination expenses for the new born baby are payable
Limitations
Co-payment
No Co-payment applicable
Sub-limits
Applicable for Modern Technology Treatments
Coverage for SI: 20 Lakhs
Room Rent
1% of sum insured or maximum up to INR 20K per day
ICU Charges
Covered up to base SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Daycare treatments covered
OPD Charges
Covered, under the sub-limit
COVID-19 Treatment
Not Covered
Cataract
Covered after a waiting period
No Claim Bonus
20% of SI for every claim-free year
Automatic Restoration
One time 100% Restoration of SI
Daily Hospital Cash
Not available
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
25% of SI
AYUSH Treatment
Covered up to SI
IVF Treatment
Covered, under Assisted Reproduction Treatment
Modern Treatment
Covered as per Sub Limits
Ambulance
Covered
Air Ambulance
10% of the Sum Insured per year is payable.
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Covered, up to SI
Second Medical Opinion
Covered
Vaccination
Vaccination expenses for the new born baby are payable
Limitations
Co-payment
No Co-payment applicable
Sub-limits
Applicable for Modern Technology Treatments
Coverage for SI: 25 Lakhs
Room Rent
1% of sum insured or maximum up to INR 20K per day
ICU Charges
Covered up to base SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Daycare treatments covered
OPD Charges
Covered, under the sub-limit
COVID-19 Treatment
Not Covered
Cataract
Covered after a waiting period
No Claim Bonus
20% of SI for every claim-free year
Automatic Restoration
One time 100% Restoration of SI
Daily Hospital Cash
Not available
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
25% of SI
AYUSH Treatment
Covered up to SI
IVF Treatment
Covered, under Assisted Reproduction Treatment
Modern Treatment
Covered as per Sub Limits
Ambulance
Covered
Air Ambulance
10% of the Sum Insured per year is payable.
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Covered, up to SI
Second Medical Opinion
Covered
Vaccination
Vaccination expenses for the new born baby are payable
Limitations
Co-payment
No Co-payment applicable
Sub-limits
Applicable for Modern Technology Treatments
Coverage for SI: 1 Cr.
Room Rent
1% of sum insured or maximum up to INR 20K per day
ICU Charges
Covered up to base SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
All Daycare treatments covered
OPD Charges
Covered, under the sub-limit
COVID-19 Treatment
Not Covered
Cataract
Covered after a waiting period
No Claim Bonus
20% of SI for every claim-free year
Automatic Restoration
One time 100% Restoration of SI
Daily Hospital Cash
Not available
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
25% of SI
AYUSH Treatment
Covered up to SI
IVF Treatment
Covered, under Assisted Reproduction Treatment
Modern Treatment
Covered as per Sub Limits
Ambulance
Covered
Air Ambulance
10% of the Sum Insured per year is payable.
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Covered, up to SI
Second Medical Opinion
Covered
Vaccination
Vaccination expenses for the new born baby are payable
Limitations
Co-payment
No Co-payment applicable
Sub-limits
Applicable for Modern Technology Treatments
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:
Coverage status under Star Women Care Plan?
Under this plan, the policyholder is entitled up to 1% of sum insured or maximum up to Rs.20,000/-per day.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Women Care Plan?
Under this plan, ICU charges coverage is available up to the selected SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Women Care Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Women Care Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 90 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Star Women Care Plan?
Under this plan, the domiciliary hospitalization is not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Women Care Plan?
This plan covers expenses of all the day care procedures.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Star Women Care Plan?
OPD charges are covered under this plan. However, there is a sub-limit mentioned in the below table:
Sum Insured (Rs.) | Limit per policy year up to (Rs.) | 5,00,000/- to 15,00,000/- | 2,500/- | 20,00,000/- and 25,00,000/- | 3,500/- | 50,00,000/- and 1,00,00,000/- | 5,000 |
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star Women Care Plan?
COVID-19 treatment cover is not available under this plan.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star Women Care Plan?
COVID-19 treatment cover is not available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Star Women Care Plan?
Cataract treatments are covered after the waiting period of 24 months
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Women Care Plan?
For every claim free year, the policyholder is entitled to avail the bonus of 20% of the expiring Sum Insured from the second year onwards. The maximum allowable bonus shall not exceed 100%.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under Star Women Care Plan?
The plan offers automatic restoration of 100% of your basic SI once during a policy year.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under Star Women Care Plan?
Daily Hospital Cash is not available under this plan.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Women Care Plan?
Organ donor cover is available under this plan up to the chosen sum insured.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Star Women Care Plan?
Covers the expense for normal and c-section procedures deliveries up to the below-mentioned limits:
SI | 5 Lakhs | 10 Lakhs | 15 Lakhs | 20 Lakhs | 25 Lakhs | 50 Lakhs | 1Cr |
Coverage (in Rs.) | 25, 000 | 50,000 | 75,000 | 1,00,000 |
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 new born cover and these common treatments can vary from plan to plan:
Coverage status under Star Women Care Plan?
In-patient hospitalization expenses (including congenital internal and external defects/anomalies) are covered up to 25% of the total insured.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Women Care Plan?
AYUSH treatment is covered under this plan.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Women Care Plan?
The plan covers IVF Treatments under Assisted Reproduction Treatment
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Women Care Plan?
Treatment | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr |
Limit per person, per policy period for each treatment / Procedure (Rs.) | |||||||
Uterine Artery Embolization and HIFU | Up to 50% of sum insured | Up to 40% of sum insured | Up to 30% of sum insured | ||||
Balloon Sinuplasty | |||||||
Deep Brain Stimulation | |||||||
Oral Chemotherapy | |||||||
Immunotherapy | |||||||
IVF | |||||||
Robotic surgeries | |||||||
Stereotactic Radio Surgeries | |||||||
Bronchial Thermoplasty,Vaporization of the prostate (Green laser/Holmium laser) | |||||||
Intra Operative Neuro Monitoring | |||||||
Stem Cell Therapy |
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Star Women Care Plan?
This plan covers Ambulance charges of up to the selected Sum Insured.
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 Women Care Plan?
The plan offers coverage up to 10% of the Sum Insured per year.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Star Women Care Plan?
Not Covered
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Women Care Plan?
Not Available
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 Women Care Plan?
Not Available
The policy covers health check-up expenses as per the selected Sum Insured, up to the below mentioned limits:
Gender | Benefit Description | Limit per policy year up to (Rs.) | Tests |
Female | Adolescent Puberty Age: 13-19 yrs | 1,000/- | USG Abdomen |
Female | Adult Reproductive Age: 20-39 yrs | 3,000/- | Thyroid profile, PAP, Vitamin D, USG Abdomen |
Female | Middle Aged Menopausal Age: 40-59 yrs | 5,000/- | Dexa Scan, Sonomamogram, PAP, USG Abdomen |
Female | Sr Citizens Age: 60 yrs and above | 4,000/- | Dexa Scan, PAP, USG Abdomen |
Male | Any Age | 1,000/- | Any tests |
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 Women Care Plan?
Available
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Women Care Plan?
Star Women Care covers the vaccination expenses of a newborn baby up to the below limits:
Sum Insured (Rs.) | Limit (Rs.) |
5,00,000/- and 10,00,000/- | 2500 |
15,00,000/- and above | 3500 |
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.
Coverage status under Star Women Care Plan?
Not applicable
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 pay by the policyholder.
Coverage status under Star Women Care Plan?
Treatment | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr |
Limit per person, per policy period for each treatment / Procedure (Rs.) | |||||||
Uterine Artery Embolization and HIFU | Up to 50% of sum insured | Up to 40% of sum insured | Up to 30% of sum insured | ||||
Balloon Sinuplasty | |||||||
Deep Brain Stimulation | |||||||
Oral Chemotherapy | |||||||
Immunotherapy | |||||||
IVF | |||||||
Robotic surgeries | |||||||
Stereotactic Radio Surgeries | |||||||
Bronchial Thermoplasty,Vaporization of the prostate (Green laser/Holmium laser) | |||||||
Intra Operative Neuro Monitoring | |||||||
Stem Cell Therapy |
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.
There is a list of certain conditions and treatments that Star Women Care Plan doesn't cover. A few of them are listed below-
Permanent diseases or health conditions that are not included under Star Women Care Plan are:
Changes of gender
Indulging in hazardous or adventure sports
Cosmetic & aesthetic treatment
Sterility and infertility
Hospitalization out of war, riot, strike, and nuclear weapons
Certain diseases and treatments are covered under the Star Women Care plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 24 Months
To give you a better idea about the Star Women Care Plan premium calculations, we PolicyX.com have calculated some sample premium amounts below based on a policy term of 1 year.
Refer to the table below:
Age (Male) | Sum Insured | 1 Adult |
30 Years | 5 Lakhs | 7,965 |
30 Years | 15 Lakhs | 12,740 |
30 Years | 25 Lakhs | 15,970 |
30 Years | 50 Lakhs | 18,645 |
Age (Male) | Sum Insured | 2 Adult |
30 Years | 5 Lakhs | 11,735 |
30 Years | 15 Lakhs | 18,460 |
30 Years | 25 Lakhs | 23,070 |
30 Years | 50 Lakhs | 27,660 |
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans. Along with Star Women Care Plan, there are other plans to choose from. Take a look below to explore more:
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.
Unique Features
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
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.
Unique Features
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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, the plan offers Star Wellness Program, wherein one can get incentives for opting a healthy lifestyle through various wellness activities. The below table showcases the discount on premium available under the Wellness Program:
Wellness Points Earned | Discount in Premium |
200 to 350 | 2% |
351 to 600 | 5% |
601 to 750 | 7% |
751 to 1000 | 10% |
Yes, you can pay your premiums Quarterly and Half Yearly, Annually, Biennially (once in 2 years) and Triennially (once in 3 years).
Yes, the female covered under the plan offers a lump sum on diagnosis of Cancer.
hiendraptl
Vadodara
August 9, 2023
i have calim register in 20.7.23 for some of query by resolve it. but last one letter rejection for missprtaiton for agr rejected calim - but can not be any advise what to do - in the star hea...
Ranjan Kumar Verma
Patna
March 5, 2023
मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अà¤à¥€ 2021 से मैं STAR HEALTH का Policy continue किया हूà¤à...
sandeep singh
Chandigarh
January 12, 2023
Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...
Sanjay naraware
Pune
November 8, 2022
Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.
Ritesh
Delhi
June 2, 2022
Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.
Himanshu Gada
Delhi
May 25, 2022
Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...
samarth wadhwa
Guwahati
March 14, 2022
Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...
rachana singh
Ahmedabad
February 24, 2022
I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment
You May Also Know About
*T&C Apply