Star Unique Health Insurance

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Star Unique Health Insurance

	Objective			This is an online health insurance policy that aims to cover for treatment taken as an inpatient in a hospital. HIV patients can also subscribe to the policy.
Suited for			Anyone between 18 and 65 years of age can buy this policy. HIV patients are also allowed to take this policy to cover illnesses other than HIV/ AIDS or related illnesses.
What does it do?			This policy covers inpatient hospitalisation along with pre and post hospitalisation expenses. It has a 2-year tenure and the premium can be paid in two instalments. First instalment has to be paid at the time of purchasing policy and second one after completing one year . This policy is special as it covers HIV positive patients provided minimum CD4 count at time of entry is 350, for treatment of illnesses other than HIV/ AIDS. Non-allopathic treatment and ambulance charges are also covered.
Pros			It covers HIV patients as well. Pre-existing diseases except for those specifically stated in policy document will be covered after 11 months, a waiting period relatively shorter than other policies. It also covers non-allopathic treatment. This policy can be bought online. Premium paid under the policy will be eligible for tax benefit under Section 80D.
Cons			The policy ceases to cover at 70 years of age. Pre-existing disease are covered up to sub-limits. It offers a sum insured of up to Rs 3 lakh only.
Our View			Although there is a lower waiting period for covering pre-existing diseases, the benefit has already been factored in by way of charging higher premium rates as compared to its peers. It allows to cover HIV patients for illnesses other than HIV/ AIDS or related treatments useful for the patients who are young and healthy enough to resist AIDS. On the other hand, buying this policy at older age will have no meaning as HIV patients become more prone to AIDS due to weaker immunity.
Eligibility
Entry Age (years)
Minimum		18
Maximum		65
Maximum Policy Renewal Age (years)		70
Policy Term (years)		2
Sum Insured (Rs)
Maximum		3 lakh
Minimum		1 lakh
Tax Benefit		Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount		NA
Pre Policy Medical Check Up		Not required
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
Network Hospitals		Http://www.starhealth.in/hospital.php

 

	Scope of Cover
Cashless facility		Available at empanelled hospitals in India
Re-imbursement		Available
Pre hospitalisation		Covered; upto maximum of 30 days prior to hospitalisation
Post Hospitalisation		lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000
In-patient hospitalisation		Covered
Room rent, boarding and nursing expenses		1% of Sum Insured upto a maximum of Rs 3000 per day.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, cost of Pacemaker and similar expenses		Covered
Emergency Ambulance		Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Non Allopathic Treatment		Covered upto maximum of 25% of Sum Insured subjevt to a amximum of Rs 25000 per occurrence per policy year

 

	Exclusions and Waiting Period
Pre-existing diseases		Covered after 11 months with sub limits. Certain pre-existing illnesses such as Stapodectomy, Bone marrow transplant,Retinal detachment, all types of cancer etc. will be covered after 48 months of continuous coverage
No claim period		Any disease contracted during the first 30 days of commencement of the policy
Waiting Period		Certain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 years. If any of these disease is pre existing, waiting period would extend to 2 years
		Certain diseases such as Cataract, treatment of joints unless caused by an accident etc wil be covered after 1 year
Co Payment Clause		30% of admissible claim in repect of each and every claim.
General Exclusions		Naturopathy treatmentCosmetic, beauty or slimming treatment

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