The Star Unique Health Insurance Policy is a one-of-a-kind insurance plan that provides policyholders coverage for future ailments/conditions and also pre-existing diseases. While most insurance plans come with a waiting period between 2 and 6 years for pre-existing ailments, Star Health Insurance offers coverage for such diseases from the 11th month of the policy tenure. This policy comes with a range of benefits, which can help reduce one’s financial burdens in the event of an unplanned hospitalisation.
Policyholders will have to meet the predefined eligibility criteria set by the insurance firm in order to purchase the policy.
Sum Insured: The sum insured is the maximum amount of money that the insurer is liable to pay to the insured member in the event of a hospitalisation.
|Minimum Sum Insured||Rs.1 lakh|
|Maximum Sum Insured||Rs.3 lakh|
Premium: Premiums for the Star Unique Health Insurance Policy will have to be paid in 2 instalments. The policy buyer will have to pay the first instalment when purchasing the policy and the second instalment at the commencement of the second policy year. It is important to note that your premium rates will vary as per your sum insured, age at the time of purchasing the policy, location, and other factors.
|Minimum Premium Amount||Rs.4,900|
|Maximum Premium Amount||Rs.26,450|
|Room, Boarding, and Nursing Expenses||Up to 1% of the sum insured, provided it is within Rs.3,000, will be covered per day|
|Intensive care unit charges||Up to 2% of the sum insured per day|
|Ambulance Charges||Up to Rs.750 per hospitalisation, subject to a maximum limit of Rs.1,500 per policy tenure|
|Pre-Hospitalisation Expenses||Will be covered for 30 days prior to the actual date of hospital admission|
|Post-Hospitalisation Expenses||Up to 7% of the total hospitalisation expenses, excluding room rent charges, subject to a maximum amount of Rs.5,000|
|Other Expenses||Surgeon, specialist, medical practitioner, consultant fees and cost of anaesthesia, oxygen, blood, surgical appliances, chemotherapy, etc. will be covered as per the limits of the sum insured|
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