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Star Hospital Cash Health Insurance Policy

26.04.20 11:03 AM Comment(s) By Gaurav

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POLICY BENEFITS
ELIGIBILITY
GENERAL TERMS
POLICY BENEFITS
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Sl. No.
Name of the Benefit
Basic Plan
Enhanced Plan
01Sickness Hospital CashHospital Cash Amount (per day) for maximum number of days chosen by the insured. Deductible: One day deductible is applicable.Hospital Cash Amount (per day) for maximum number of days chosen by the insured. Deductible: No Deductible
02Accident Hospital CashUp to 150% of the Hospital Cash Amount (per day) for a maximum number of days chosen by the insuredUp to 150% of the Hospital Cash Amount (per day) for a maximum number of days chosen by the insured
03ICU Hospital Cash due to Sickness and / or InjuryUp to 200% of the Hospital Cash Amount (per day) chosen by the insured. Where the policy is issued on Individual Basis, ICU Hospital Cash is payable for a maximum of 30 days only in a policy year. Where the policy is issued on Floater Basis, ICU Hospital Cash is payable for a maximum of 90 days only in a policy yearUp to 200% of the Hospital Cash Amount (per day) chosen by the insured. Where the policy is issued on Individual Basis, ICU Hospital Cash is payable for a maximum of 30 days only in a policy year. Where the policy is issued on Floater Basis, ICU Hospital Cash is payable for a maximum of 90 days only in a policy year
04Convalescence Hospital CashNot AvailableIf Hospitalization is beyond 5 days one day additional Hospital Cash amount is given as Convalescence Cash Benefit.
05Child Birth Hospital CashNot AvailableAvailable. Note : This benefit is subject to a waiting period of 2 years from the first commencement of this (Star Hospital Cash Insurance Policy). Only female insured persons are eligible for this benefit
06Worldwide Hospital CashNot AvailableIf the Insured Person is Hospitalized outside India for treatment of Illness or Injury, 200% Hospital Cash Amount chosen by the insured person is payable.

WAITING PERIODS:

The Company shall not be liable under this policy directly or indirectly for:

Basic Plan
Enhanced Plan
30 days waiting period (other than accidents)30 days waiting period (other than accidents)
24 months for specified illness/disease/treatment24 months for specified illness/disease/treatments
36 months for pre-existing disease.24 months for pre-existing disease.
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Click here to buy this policy online instantly (Family Plan)
ELIGIBILITY
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Click here to buy this policy online instantly (Family Plan)

  • Age at entry 18 years and 65 years
  • Family means Self, Spouse, Dependent children up to 25 years of age
GENERAL TERMS
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TAX BENEFITS: Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

FREE LOOK PERIOD: A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals).

GRACE PERIOD FOR RENEWAL: 30 days from date of expiry of policy.

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

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