The Star Health Assure Insurance Policy is available to both individual and family floater applicants.

Floater Sum Insured (for Families)

• Adults: Minimum age 18 years, maximum age up to 75 years.
• Dependent Children: Minimum age of 16 days, maximum age up to 17 years.
• Once children reach the age of 18, they may be considered adults and continue under the floater sum insured until they get married.

Individual Sum Insured (for Individuals)

• Minimum Age: 91 days
• Maximum Age: Up to 75 years
• Coverage is provided for children, subject to a good health declaration and approval from the underwriting team.

Family Definition

The family includes:

• Self, spouse, children, parents, and parents-in-law.

Family Size Under Floater Sum Insured

The maximum size under the floater plan is:

• 6 Adults (including self, spouse, parents, and parents-in-law)
• Up to 3 children, though the family size can increase to 9 adults if the children are above 17 years of age.

Policy Term

The policy is available in three options:

• One year
• Two years
• Three years

Each year is treated as an independent term, and benefits do not carry over to the next year in policies with terms longer than one year.

Discounts Available

The Star Health Assure Insurance Policy offers various discounts:

Floater Discount

• Child: A 40% discount is available for children when they turn 18 years old, at the time of renewal.
• Parents/Parents-in-law: A 10% discount is available when they are added to the floater policy.

Long-Term Discount

• A 10% discount is available on the second-year premium in the case of a two-year policy term, and for a three-year policy term, a 10% discount is available on the second and third-year premiums.

Sum Insured Options

The policy offers a wide range of sum insured options, allowing individuals to choose coverage that best fits their needs:

• Rs. 5,00,000
• Rs. 10,00,000
• Rs. 15,00,000
• Rs. 20,00,000
• Rs. 25,00,000
• Rs. 50,00,000
• Rs. 75,00,000
• Rs. 1,00,00,000
• Rs. 2,00,00,000

Please note that for individuals above 65 years of age, the maximum sum insured is limited to Rs. 50,00,000, even at the time of renewal.

Pre-Acceptance Medical Screening

There is no pre-acceptance medical screening required for this policy. This makes the policy accessible to a wide range of individuals, including those who may have had previous health conditions.

Installment Facility

Premium payments for the Star Health Assure Insurance Policy can be made on a monthly, quarterly, or half-yearly basis. However, please note that installment facilities are not available for long-term (2-year or 3-year) policies. If chosen, there will be a loading fee on the annual premium:

• Monthly: 4% loading
• Quarterly: 3% loading
• Half-yearly: 2% loading

Midterm Inclusion Facility

In the case of marriage, the birth of a child, or adoption, policyholders can include their spouse, newborn, or adopted child midterm by paying a proportionate premium. The coverage for these newly added family members will be subject to the following:

• Intimation about marriage/newborn/adopted child must be made within 45 days of the event.
• Coverage will begin from the date of premium payment, though waiting periods for such additions will apply.

Coverage Benefits

The Star Health Assure Insurance Policy offers a wide range of coverage, ensuring that all medical contingencies are met:

Hospitalization Benefits

• Room, Boarding, and Nursing Expenses: Covered within the limits mentioned in the policy, as provided by the hospital or nursing home.
• Surgeon, Anesthetist, Medical Practitioner, and Consultant Fees: Covered as part of hospitalization expenses.
• Medicines and Drugs, Diagnostic Expenses, and Surgery-related Costs: Includes anesthesia, blood, oxygen, operation theatre charges, ICU charges, diagnostic materials, dialysis, chemotherapy, and the cost of pacemakers, stents, etc.
• Day Care Treatments: All day-care treatments are covered under the policy.
• Emergency Ambulance Expenses: Road ambulance expenses are reimbursed for transportation to/from a hospital for medical reasons.
• Air Ambulance: Reimbursement for air ambulance expenses up to 10% of the sum insured per policy year.
• Pre-hospitalization and Post-hospitalization Expenses: Medical expenses incurred up to 60 days before and 180 days after hospitalization.
• Domiciliary Hospitalization: Coverage for hospitalization taken at home for conditions that would normally require hospital care.

Special Treatments and Coverage

• Organ Donor Expenses: Covered if the insured person undergoes organ transplantation.
• Health Checkup Assure: The policy covers expenses for a health check-up up to a certain limit each policy year.
• Home Care Treatment: Reimbursement for home care treatment up to 10% of the sum insured, with a maximum of Rs. 5 lakhs per policy year.
• Delivery Expenses: Covered, including pre-natal and post-natal expenses, subject to a 24-month waiting period.
• Assisted Reproduction Treatment: Coverage for assisted reproduction treatment, subject to a 24-month waiting period.

Unique Additions

• Cumulative Bonus: A 25% increase in sum insured for each claim-free year, up to a maximum of 100%.
• Automatic Restoration of Sum Insured: The policy automatically restores the sum insured to 100% for subsequent hospitalizations during the policy year, after partial or full utilization.