Star Wedding Gift Health Insurance Plan
Star Wedding Gift Health Insurance Plan - This policy is for married couples as it covers ailments as well as your child. The policy can be renewed up to 45 years beyond which migration to any other equivalent policy is allowed.
Eligibility - Star Wedding Gift Health Insurance Plan
- Minimum age- 18 Years, maximum age- 40 years
- Any person residing in India
- Coverage is available on a floater basis. Family for this purpose includes self, spouse and dependent children.
Policy Benefits - Star Wedding Gift Health Insurance Plan
- In-patient hospitalization for a minimum period of 24 hours.
- Room boarding, nursing expenses up to 4000INR.
- Ambulance cover up to 1000 INR subject to limit of 1500 INR.
- Non allopathic treatment covered to 25% sum insured up to a limit of 25000 INR.
- Pre-existing diseases are covered after 48 months of continuous insurance.
- Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
- Post-hospitalisation paid as lump-sum up to 60 days from the date of discharge; payment not exceeding 7% of hospitalization expenses; maximum of 5000 INR.
Additional Benefits - Star Wedding Gift Health Insurance Plan
- Delivery that includes prenatal and post natal care including delivery of child, and post-delivery complication cover for mother.
- New born baby care
Free Benefit:Diagnostic test costs are covered for disorder in the foetus up to 1000 INR after a waiting period of 27 months.
Sum insured details:
Coverage |
Option 1 |
Option 2 |
Hospitalization expenses |
300000 INR |
500000 INR |
Child delivery expenses |
15000 INR (Normal Delivery) 20000 INR (Caesarean Delivery) |
20000 INR (Normal Delivery) 25000 INR (Caesarean Delivery) |
Prenatal and post natal expenses |
Prenatal: 1500 INR Postnatal: 2000 INR |
Prenatal: 2000 INR Postnatal: 4000 INR |
New born baby cover: hospital expenses for treatment including congenital diseases |
30000 INR |
50000 INR |
New born baby cover: lump sum payment for Down ‘syndrome and Cerebral Palsy |
60000 INR |
100000 INR |
Post-delivery complications |
Actual within hospitalisation limits |
Actual within hospitalisation limits |
Test for detecting congenital abnormality in foetus |
1000 INR |
1000 INR |
Policy Details - Star Wedding Gift Health Insurance Plan
Policy period is for 1 year or 2 Years.
Premium details:
For 1 year cover
Option |
Family size |
Premium |
|
5m-35 Years |
36 -45 Years |
||
Option1 |
2A |
10305 |
10740 |
2A + 1C |
10535 |
11305 |
|
Option 2 |
2A |
13960 |
14680 |
2A + 1C |
14470 |
15310 |
|
For 2 year cover:
Option |
Family size |
Premium |
|
5m-35 Years |
36 -45 Years |
||
Option1 |
2A |
18550 |
19335 |
2A + 1C |
18965 |
20350 |
|
Option 2 |
2A |
25130 |
26425 |
2A + 1C |
26050 |
27560 |
|
Free Look Period: A period of 15 days after date of receipt of policy to review terms and conditions during which insured can cancel it with due refunds.
Portability - Star Wedding Gift Health Insurance Plan
If the insured wishes to migrate to another Insurer towards renewal, he can draft an application at least 45 days before the date of renewal.
Renewal Policy - Star Wedding Gift Health Insurance Plan
- Lifelong renewal is allowed allowing a grace period of 30 days from the date of expiry.
- Permitting an enhancement after renewal during this process.
Tax Benefit: Payment of premium by any mode other than cash is subject to rebate under section 80D.
Exclusions - Star Wedding Gift Health Insurance Plan
- Pre Existing diseases as mentioned.
- Disease that creeps into the insured during the first 30 days of the policy period. Also expenses of defined and related diseases as mentioned would not be borne during the first two years of continuous operation of insurance.
- Dental treatment or surgery (excluding accidental damages).
- Injury due to nuclear weapons and war or breach of law on an intentional basis.
- Expenses on Vitamins and tonics not part of the treatment schedule.
- Hospital registration and admission charges, record and telephone charges.
Cancellation Policy - Star Wedding Gift Health Insurance Plan
Misrepresentation, fraud, moral hazard or non-cooperation on behalf of the insured might lead to cancellation of policy making way for appropriate refund.
For 1 year policy:
Period on risk |
Rate of Premium to be retained by the insurer |
Up to 1 month |
1/3rd of annual premium |
Up to 3 month |
1/2 of annual premium |
Up to 6 month |
3/4th of annual premium |
Exceeding 6 months |
Full annual premium |
For 2 year policy:
Period on risk |
Rate of Premium to be retained by the insurer |
Up to 2 month |
1/3rd of annual premium |
Up to 6 month |
1/2 of annual premium |
Up to 12 month |
3/4th of annual premium |
Exceeding 12 months |
Full annual premium |
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