Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them with a big smile.
Star Health Women Care Policy is an all-in-all insurance product that you'll ever need for your anytime healthcare needs. The plan comes with a whopping sum insured ranging from INR 5 Lakhs to 1 Crore, options of which are individual and family floater variants (there should be at least one female member in the policy if you choose a family floater option). It provides coverage for a woman and her family (if the family floater plan is chosen), covering all the hospitalisation expenses, maternity-related conditions, and complications at the time of pregnancy or delivery. The good part is, that the female insured members of the policy don't need to go through a pre-acceptance medical screening. If you're buying this plan for your health care, don't worry! There's a window for buying this policy anytime, even during pregnancy.
The Star Health Women's Care Insurance plan comes with additional coverage such as:
Apart from this, you can avail of extensive maternity benefits, a wellness program to track your health, preventive health check-up benefits, vaccination charges, delivery care, and other medical conditions related to women. You can choose an installment option to pay your premiums that's subject to loading charges like; for quarterly premium payment, 3% loading, and for half yearly, 2% loading. Mid-term inclusions are also allowed giving you the freedom to include additional members like a newlywed spouse, infant/newborn, or legally adopted child under your health policy.
All other specifications under this plan are mentioned on this page. Read further to know more about Star Women's Care health policy to make a well-informed decision.
Below are some of the amazing benefits of buying the Star Health Women Care policy, that you must know:-
To understand Star Women Care Policy Insurance in detail, take a look at the below table:
18 - 75 years, Child: 91 days - 25 years
Individual and Family Health Insurance
5L | 10L | 15L | 20L | 25L | 50L | 1Cr
30 Days
NA
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.
Read more specifications in the brochure.
With wide coverage options available, Star Women Care 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:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered
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
AYUSH Treatment
Covered
IVF Treatment
Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Not Applicable
Sub-limits
Applicable
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).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
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.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
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.
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.
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.
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.
It refers to the cover that includes expenses for normal and c-section deliveries.
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:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) 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:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
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.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
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.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
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.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
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.
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 women care Insurance Policy
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.
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 |
The Women's Care plan of Star Health Insurance provides broad coverage. On the other hand, there are some exclusions that you should know in the first place. Read below what's not covered in the Star Health Women Care Policy:-
Pre-existing and specified diseases
Investigation & Evaluation
Rest cure, rehabilitation (expect rehabilitation & pain management) and respite care
Obesity/ Weight Control (expect 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 out of war, riot, strike, and nuclear weapons, and
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
Here are the steps following which you can raise a claim against your Star Women's Care health insurance policy:-
Step 1: For a planned hospitalization, inform the insurer 24 hours before getting hospitalized. For an emergency, inform them within 24 hours of getting admitted to the hospital.
Step 2: If you're hospitalized in a networking hospital, visit the TPA desk and inform them of the hospital admission. Collect the claim form and fill it up with all the details required.
Step 3: Submit all the forms with carefully filled claim forms and other documents that are asked, and the health card of your policy
Step 4: On verification of the documents, the TPA will forward the same to the insurer
Step 5: Upon cross-verification, the insurer will send the confirmation for internal settlement with the hospital medical bills.
Step 6: In case of a reimbursement claim settlement, pay the medical bills on your own. Submit the claim form, the health card, policy documents, hospital bills, discharge summary, and other documents to your insurer. Medical bills will be reimbursed upon verification
Women are more prone to get lifelong diseases, illnesses related to hormonal shifts that lead to chronic ailments, and so on. It not only causes irritation and more pain in our lives but also stops a woman from pacing up in this world. This is one of the reasons why you should buy health insurance for yourself from a trusted health insurer in the Indian insurance market. Star Health Insurance Company cares for women's health, and it's enough to state that Star Women Care insurance policy is the best investment you can make to save yourself from losing your health and well-being in the long run.
Buy your Star Health Women Care policy by visiting our official website Policyx. You can also reach out to our customer care support at 1800 4200 269 or get a quote by clicking on the screen. Check out other women's health insurance plans here.
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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, you can pay your premiums Quarterly and Half Yearly, Annually, Biennially (once in 2 years) and Triennially (once in 3 years).
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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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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February 5, 2023
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