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Overview
The Young Star Extra Protect add-on cover policy is designed to enhance the benefits of your existing Young Star insurance policy. It extends the limit of your treatment expenses, as specified in the prospectus's cover section. This policy offers additional benefits, provided your Young Star health insurance policy has a Sum Insured value of ₹10 Lakhs and above, as the Extra Protect on Young Star policy is not applicable or valid below this limit.
AYUSH treatment cover (excluding Yoga and Naturopathy), home care treatment, claim and bonus guard, room rent limit enhancer, and modern treatment benefits are the key features of this plan.
Read on to understand the eligibility criteria, benefits, coverage specifications, and claim process of the Young Star Extra Protect add-on cover.
Benefits of Young Star Extra Protect Add-on Cover Policy
When purchasing an individual or family floater health plan, it is mandatory to purchase this add-on cover. Below are its benefits:
Claim Guard
It provides cover for non-medical (consumable) expenses if specified in your base policy.
Enhanced Room Rent Limit
The room rent limit, nursing, and boarding expenses are increased with this add-on cover to provide you with maximum hospitalisation benefits.
Modern Treatment
The cover will enhance your modern treatment expenses limit above the specified limit, up to the Sum Insured according to the base policy’s modern treatment cover. The sub-limits described above apply to this cover.
Bonus Guard
It protects the cumulative bonus from reduction due to partial/full exhaustion of the base policy’s basic Sum Insured. This feature allows you to avail an extended Sum Insured benefit in the next policy year.
Home-care Treatment
Any specified or listed treatment done under home care is subject to a maximum of 10% of the base SI or up to ₹5 Lakhs in a policy year. This criterion is only applicable to the homecare treatments scheduled under your base policy.
How to Claim Young Star Extra Protect Policy?
To avail of a claim settlement against the base policy with the Star Extra Protect plan, here are the guidelines you need to follow:
- Inform your insurer about hospitalisation at least 24 hours before getting admitted. Visit the official website of Star Health Insurance.
- Click on the ‘Claim’ button on the header of the official website, followed by ‘Claim Intimation.’
- For claim intimation, the official website has a pre-authorised form that you can fill in with details like name, contact number, email, policy number, city, and product name, then click on the ‘Submit’ option.
- In the case of cashless claim settlement (in network hospitals), medical bills will be settled directly with the hospital. In case of reimbursement, pay medical bills on your own; the insurer will reimburse your claim amount after verification of the claim's legitimacy.
- You can reach out to your insurer on the toll-free number 044 4002 0888 or 1800 425 2255 or email [email protected] with details like claim number/reference number and other claim-related queries.
Exclusions
- Infertility/sterility, IVF treatment
- Treatment of ENT, thyroid, varicose veins, piles, hernia, etc.
- Obesity/weight management
- Change of gender treatment
- Cosmetic/beauty/plastic surgery
- Alcoholism or drug abuse
- Specified illness and pre-existing diseases (unless specified in the base policy)
- Breach of law/unlawful activity
- Investigation & evaluation
- Refractive error
- Maternity and newborn expenses in any form
- Hazardous activity/adventure sports, etc.
Why Choose Young Star Extra Protect?
Healthcare costs these days are skyrocketing. Therefore, buying health insurance add-on coverage is considered efficient and prudent to avoid any medical or financial burdens. The Young Star Extra Protect add-on cover enhances the limit of your base policy (Young Star health insurance policy) with additional features and safeguards you from losing your hard-earned savings.
If you have any queries about the Young Star Extra Protect policy, call us at 1800 4200 269 or email us at [email protected].
