Eligibility

• Individual Entry Age: Available for persons aged 18 years and above.
• Floater Entry Age: Includes individuals aged 18+ and dependent children from 91 days to 25 years.

Policy Highlights

1. Policy Type: Available as individual, floater, or multi-individual plans.
2. Policy Term: Choose from terms of 1, 2, 3, 4, or 5 years.
3. Premium Payment: Monthly, quarterly, or half-yearly instalments for terms of up to 3 years.
4. Sum Insured: Ranges from ?5 Lakhs to Unlimited Sum Insured, with conditions for higher coverage based on age (up to 65 years).
5. Family Size: Covers Self + Spouse/Live-in Partner + Dependent Children (up to 4 children under floater policies).

Waiting Period

• Initial Waiting Period: 30 days.
• Specified Conditions: 24 months.
• Pre-existing Diseases (PED): 36 months.

Policy Benefits

1. In-Patient Hospitalisation: Covers hospitalisation expenses for illnesses, injuries, or accidents exceeding 24 hours, up to the Sum Insured.
2. Pre-Hospitalisation: Expenses incurred up to 90 days before admission.
3. Post-Hospitalisation: Expenses incurred up to 180 days post-discharge.
4. Room Rent Modification: Offers flexibility to select room types like Private AC, Shared Room, or General Ward.
5. Ambulance Cover: Includes road and air ambulance expenses (up to ?5 Lakhs per policy year).
6. Modern Treatments: Covers advanced procedures like robotic surgery, oral chemotherapy, and stem cell therapy.
7. AYUSH Treatment: Coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments.
8. Day Care Treatment: Covers all day-care procedures.
9. Organ Donor Expenses: Includes the cost of organ donation and complications.
10. Home Care Treatment: Covers treatment for specific conditions at home.
11. Domiciliary Hospitalisation: For treatment exceeding three days when hospitalisation isn’t feasible.

Premium Waiver

• Waives premium for the next policy year if the proposer is diagnosed with critical illness or dies in an accident.

Star Wellness Program

• Earn points via the STAR Health App through wellness activities.
• Redeem points for up to a 20% discount on renewal premiums.

Value-Added Services

1. E-Domestic Second Medical Opinion: Access to expert opinions from network doctors.
2. Discounts: Savings on pharmacy, diagnostics, and consultations through the STAR Health App.

Optional Covers (Additional Premium)

1. Smart Network: Discount for treatments at Star Health's network hospitals.
2. Quick Shield: Waives PED waiting periods for certain conditions starting from Day 31.
3. Coverage for Non-Medical Items: Includes consumables if the claim is admissible.
4. Future Shield: Continuity benefits for waiting periods for a newly added spouse.
5. Maternity Expenses: Coverage for delivery and newborn treatment with varying waiting periods.
6. Women Care: Covers newborns from birth, including congenital defects.
7. High-End Diagnostics: Covers advanced diagnostics like PET MRI and liver biopsy up to ?25,000 per year.
8. Personal Accident Cover: Payouts for accidental death or permanent total disablement.
9. Annual Health Check-Up: Covers vaccinations and diagnostic tests up to ?25,000 annually.
10. Room Rent Modification: Option to modify room eligibility.
11. Reduction of Waiting Periods: Shorten waiting times for specified diseases and PEDs.
12. Limitless Care: Unlimited Sum Insured for one claim per lifetime.

Special Discounts

1. Health Questionnaire Discount: Up to 10% discount for lifestyle and health habit responses.
2. CIBIL Score Discount: Discounts up to 15% based on credit score (ages up to 50).
3. Co-Terminus Discount: Save up to 7.5% when purchasing policies for parents simultaneously.
4. Early Renewal Discount: 2.5% discount for early renewals.
5. Long-Term Discount: Increasing discounts with longer policy terms.

Additional Benefits

1. Durable Medical Equipment Cover: Up to ?5 Lakhs for oxygen concentrators, wheelchairs, etc.
2. Compassionate Visit: Covers up to ?10,000 for a family member's travel during emergency hospitalisation.
3. Hospital Cash: Daily cash benefit for hospitalisation.
4. E-International Second Opinion: Expert opinions from international doctors.