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Star Women Care Insurance Policy Overview
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
- 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 payments, 2% for half-yearly payments). 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.
