Policy Introduction
Star Assure is a comprehensive health insurance policy offered by Star Health Insurance Company. It is designed to provide extensive coverage for various medical expenses, ensuring that policyholders and their families are financially protected during health emergencies. With a range of features and benefits, Star Assure aims to reduce out-of-pocket costs and offer peace of mind.Eligibility
Individuals: Any individual between the ages of 18 and 65 years.Families: Family floater plans cover the policyholder, spouse, and dependent children (up to 25 years).
Senior Citizens: Special plans are available for individuals above 65 years, ensuring lifelong renewability and continuous coverage.
Star Health Assure Insurance Policy Premium Chart
(Note: Premium rates are indicative and may vary based on specific policy terms, conditions, and additional coverages chosen by the policyholder.)
Comprehensive Coverage 🛡️
Star Assure provides extensive coverage for a wide range of medical expenses, including hospitalization, pre and post-hospitalization, and day-care procedures, reducing out-of-pocket costs.
1. Cashless Treatment 💳
Access a network of hospitals offering cashless treatment options, eliminating the need to pay upfront and seek reimbursement later, easing financial strain during emergencies.
2. Tax Benefits 💰
Premiums paid for the Star Assure policy qualify for tax deductions under Section 80D of the Income Tax Act, allowing policyholders to save on their annual tax liabilities.
3. No-Claim Bonus 🌟
For every claim-free year, enjoy a no-claim bonus, which increases the sum insured without additional premiums, providing enhanced coverage over time.
4. Lifelong Renewability ♾️
Star Assure offers lifelong renewability, ensuring continuous coverage without age limits, protecting against future health-related financial uncertainties.
5. Alternative Treatments 🌿
The policy covers alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy, offering financial support for a broader range of healthcare options.
6. Hospital Cash Benefit 🏥
Receive a daily cash allowance for hospitalization beyond a specified period, aiding in managing additional expenses like transportation, food, and lodging for caregivers.
7. Coverage for Modern Treatments ⚕️
Includes coverage for advanced treatments such as robotic surgeries and stem cell therapy, ensuring financial support for cutting-edge medical procedures.
8. Second Medical Opinion 🩺
Access to a second medical opinion feature without additional charges, helping to confirm diagnoses and treatment plans, potentially avoiding unnecessary expenses.
9. Automatic Restoration of Sum Insured 🔄
Benefit from the automatic restoration of the sum insured if it gets exhausted during the policy year, providing continuous financial protection without extra costs.
10. Pre-Existing Diseases Coverage 🩹
Coverage for pre-existing diseases after a specified waiting period, reducing long-term healthcare expenses for chronic conditions.
11. Preventive Health Check-Ups 🧑⚕️
The policy includes free preventive health check-ups, encouraging regular health monitoring and early detection of potential health issues, leading to lower treatment costs.
12. Family Floater Option 👨👩👧👦
Opt for a family floater plan, which covers all family members under a single sum insured, offering a cost-effective solution for family health insurance needs.
13. Cumulative Bonus 🎁
Earn a cumulative bonus for every claim-free year, which increases the sum insured up to a specified limit, enhancing coverage without additional premiums.
14. No Sub-Limits on Room Rent 🚪
Enjoy the freedom to choose any hospital room without sub-limits on room rent, ensuring access to better healthcare facilities without financial constraints.
15. Worldwide Coverage 🌍
Benefit from coverage for emergency medical treatment worldwide, offering financial protection during international travel.