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	Objective			A health policy which will take care of medical needs of a young couple. It will cover maternity expenses too.
Suited for			This policy is suitable for youngsters.
What does it do?			One can opt for either the 3-lakh or 5-lakh policy. It covers hospitalisation bills, pre and post hospitalisation expenses, maternity expenses and newborn baby. It pays a lump sum amount if the baby is born with Down's syndrome or Cerebral Palsy. It also provides for emergency ambulance and non-allopathic treatment except Naturopathy. The expenses are capped up to stated in the plan.
Pros			Waiting period for maternity cover reduces to two years if one opts for a 4-year policy term. Non-allopathic treatments are covered. Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.
Cons			Policy offers a maximum cover of Rs 5 lakh, which may not be sufficient for a family of three. This policy cannot be renewed beyond 45 years of age.
Our View			Though it offers decent benefits and features, the policy is little expensive as compared to other products in the market. Cover for non-allopathic treatment may be a cause for higher price. Coverage upto maximum of 45 years of age is another drawback. If you are looking for such a policy, consider substitutes from other insurers that are available at cheaper rates.
Eligibility
Entry Age (years)
Minimum		18; 5 months for children
Maximum		40
Maximum Policy Renewal Age (years)		45
Coverage Type		2 adults/ 2 adults and one child
Policy Term (years)		1 or 2 or 4
Sum Insured (Rs)
Maximum		5 lakh
Minimum		3 lakh
Tax Benefit		Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Pre Policy Medical Check Up		Not required
Free look Period		15 days; available under 4 year policy only; In case of policy cancellation, premium paid would be refunded after deduction of 5% of premium provided no claim has been made
Grace Period for Policy Renewal		15 days
Customer Service
Address		Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034.
Mail to		support@starhealth.in
Call to		1800 425 2255/ / 044 2826 3300
SMS		STAR to 56677

 

	Scope Of Cover
		Option I (Sum insured Rs 3 lakh)		Option II (Sum insured Rs 5 lakh)
Cashless facility		Available at empanelled hospitals in India.
Re-imbursement		Available
In-patient Hospitalisation		Covered
Room rent, boarding and nursing expenses		upto Rs 4000 per day
Surgeon, Anesthetist, Medical practitioner, Consultants, Specialist Fees		Covered
Emergency Ambulance		Upto Rs 1000 per hospitalisation ; maximum Rs 1500 per policy period
Pre Hospitalisation expenses		Medical expenses upto 30 days prior to hospitalisation are covered
Post Hospitalisation expenses		lumpsum payment equal to 7% of hospitalisation expenses(excluding room rent); Maximum Rs 5000
Delivery (normal or caesarean)		Rs 15000 for normal delivery and Rs 20000 for caesarean delivery ;one delivery only		Rs 20000 for normal delivery and Rs 25000 for caesarean delivery ;one delivery only
Pre and post natal expenses (part of delivery expenses)		Pre Natal: Rs 1500; Post Natal: Rs 2000		Pre Natal: Rs 2000; Post Natal: Rs 4000
Post delivery complications for mother		Covered		Covered
Test for detecting any foetus disorders		Covered upto Rs 1000 after waiting period of 27 months or 15 months in case of 4 year policy term		Covered upto Rs 1000 after waiting period of 27 months or 15 months in case of 4 year policy term
New born baby (including congenital disorders)		Covered ; Rs 30000		Covered ; Rs 50000
New born baby with Down's Syndrome and Cerebral Palsy		Lumpsum payment of Rs 60000		Lumpsum payment of Rs 1 lakh
Non allopathic treatments		25% of sum insured per occurrence; maximum Rs 25000 per policy period

 

	Exclusions and Waiting Period
Pre-existing disease		covered after a waitng period of 4 years
No claim period		Any disease contracted during the first 30 days of commencement of the policy
Waiting Period		test for detecting any disorders in foetus will be covered after 27 months (14 months in case of a 4 year policy term).Delivery expenses would be covered after 36 months period or 24 months in case of a four year policy.certain diseases such as cataract, varicose veins etc. will be covered after 2 years.Certain diseases such as hernia, sinusitis etc. will be covered after 1 year.
Pre & Post hospitalisation expenses		Not available for child delivery claims
General Exclusions		Naturopathy treatmentCosmetic, slimming and any beauty treatmentUse of alcohol etc.Involvement in any criminal or unlawful acts

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