Star Family Delite Insurance Policy

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Star Family Delite Insurance Policy

	Objective			This is a family floater policy that will provide cover against hospitalisation expenses.
Suited for			This policy is suitable for those with low budgets. Anyone between 5 months and 65 years can be included in this policy.
What does it do?			This policy is designed to cover hospitalisation expense of a family on floater cover basis. Floater cover allows any of the insured members to use the sum insured until it is depleted. It covers inpatient hospitalisation expenses and pre and post hospitalisation expenses up to the stated limits. Maximum cover allowed for room rent, boarding, lodging and ICU are capped to certain percentage of sum insured. It also pays for emergency ambulance and day care procedures. Day care procedures are those that do not require an overnight admission in hospital due to technological advancements such as chemotherapy, dialysis etc.
Pros			The policy allows lifetime renewal and premiums paid toward the policy qualify for deduction under section 80D of Income Tax Act.
Cons			Room rent and ICU charges are capped. It is not available for purchase online.
Our View			While capping of expenses is a drawback, it also reduces the premium cost. Premium rates for this policy are lower than policies without sub-limits. However, we recommend policies without sub-limits if there are no budget constraints.
Eligibility
Entry Age (years)
Minimum		5 months
Maximum		65
Maximum Policy Renewal Age (years)		Lifetime renewal
Coverage Type		Family floater
Policy Term (years)		1
Sum Insured (Rs)
Maximum		3 lakh
Minimum		2 lakh
Policy Termination		Either of insurance company or policyhlder can terminate the policy by giving a 30 days notice period.
Customer Service
Address		Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 60003
Mail to		customercare@uiic.co.in
Call to		1800 425 2255, 044-28288800
SMS		STAR to 56677
Network Hospitals		Http://www.starhealth.in/hospital.php

 

	Scope Of Cover
Cashless Facility		available at network hospitals
Reimbursement facility		available at non-network hospital
Pre hospitalisation		covered upto 30days
Post hospitalisation		7% of the hospitalization expenses (excluding room rent) subject to a maximum of Rs.5000/- per hospitalisation within 60 days of discharge
Inpatient hospitalisation		covered
Room rent, boarding and nursing		1% of the sum insured
ICU charges		1.5% of the sum insured
Surgeon's fees Consultant's fees Anesthetist fees		covered
Cost of blood, oxygen, diagnostic expenses, cost of pace maker		covered
Ambulance expenses		covered
Day care procedures		covered

 

	Exclusions and Waiting Period
Pre-existing diseases		covered after initial 48 months
No claim period		30 days since inception of the policy
Waiting period		2 years for certain diseases namely hernia, catarct, vericose veins, sinusitis, tonsillitus etc.
General exclusions		pregnancy related claims

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