Star Health Assure Insurance Policy - Introduction:
Health insurance is a crucial aspect of ensuring financial security and peace of mind in uncertain times. Star Health Assure Insurance Policy is a comprehensive health insurance plan that offers a wide range of coverage, benefits, and affordable premiums to protect you and your family's well-being. In this article, we will delve into the key features of the Star Health Assure Insurance Policy, its coverage, benefits, and premium details.
Policy Coverage:
- Hospitalization Expenses: The policy covers in-patient hospitalization expenses, including room rent, nursing, boarding charges, and ICU expenses, up to the sum insured.
- Pre and Post Hospitalization: Star Health Assure offers coverage for medical expenses incurred both before and after hospitalization for a specified period.
- Day Care Procedures: The policy includes coverage for advanced technological treatments and day-care procedures that do not require a 24-hour hospital stay.
- Domiciliary Hospitalization: If the insured cannot be moved to a hospital, the policy provides coverage for medical treatment received at home.
- Ambulance Charges: The plan covers ambulance charges in case of emergency hospitalization, ensuring prompt medical care.
- Organ Donor Expenses: The policy covers medical expenses for the organ donor's treatment during transplantation.
Policy Benefits:
- No Claim Bonus (NCB): For every claim-free year, the policyholder is entitled to a cumulative bonus in the form of an increased sum insured or a reduction in the premium.
- Second Opinion: In case of a major illness diagnosis, the insured can avail of a second opinion from a panel of medical experts for a better understanding of the condition.
- Tax Benefits: Policyholders can avail tax benefits under Section 80D of the Income Tax Act for premiums paid towards the Star Health Assure Insurance Policy.
- Cashless Hospitalization: With a vast network of empanelled hospitals, the policy offers cashless hospitalization, reducing the financial burden during emergencies.
- No Room Rent Capping: The policy does not impose any room rent capping, allowing the insured to choose a room of their preference without worrying about exceeding the limit.
- Maternity Cover: The plan provides maternity benefits, including pre and post-natal expenses, after a specific waiting period.
Policy Premium:
The premium for the Star Health Assure Insurance Policy is calculated based on factors such as age, sum insured, coverage type, and add-ons chosen. It is essential to note that a higher sum insured or additional riders may lead to a slightly higher premium. However, the policy's extensive coverage and benefits outweigh the premium costs, providing comprehensive protection to policyholders and their families.
Premium for Zone B Cities
Hyderabad, Secunderabad, Vijayawada, Vishakapatnam
Policy Conclusion:
The Star Health Assure Insurance Policy is a reliable and comprehensive health insurance plan that offers extensive coverage, valuable benefits, and competitive premiums. It ensures that you and your loved ones receive quality healthcare without worrying about financial constraints during medical emergencies. By opting for this policy, you can secure your future and enjoy peace of mind, knowing that your health and well-being are well-protected.
