Star Health Insurance: Star Virus Insurance Policy – Comprehensive Protection Against Viral Infections
In today’s world, the threat of viral infections continues to grow, and the need for specialized health coverage has become essential. Understanding this critical need, Star Health and Allied Insurance Co. Ltd. introduced the Star Virus Insurance Policy, a unique and targeted plan designed to offer financial protection against specific viral infections such as dengue, malaria, chikungunya, swine flu, and more.
This policy is ideal for individuals who seek a focused and affordable health insurance solution for combating the unexpected expenses arising from common and seasonal viral illnesses.
Key Features of Star Virus Insurance Policy
- Specialized Coverage for Viral Infections
- Covers hospitalization expenses due to select viral infections like Dengue, Malaria, Swine Flu, Chikungunya, Zika Virus, Japanese Encephalitis, and others.
- Lump Sum Benefit on Diagnosis
- Offers a lump sum payment upon diagnosis and hospitalization due to covered viral infections, easing financial burden immediately.
- Affordable Premiums
- The policy is available at low and reasonable premiums, making it accessible for individuals across different income groups.
- Short Waiting Period
- Minimal waiting period (typically 15 to 30 days) after the commencement of the policy before coverage begins.
- Flexible Sum Insured Options
- Multiple sum insured options available (for example, ₹10,000 to ₹1,00,000), allowing policyholders to choose as per their needs.
Benefits of Star Virus Insurance Policy
- ✅ Fixed Benefit Payment: Irrespective of actual hospital expenses, the lump sum benefit is paid once the claim is approved.
- ✅ No Medical Tests Required: For most age groups and coverage limits, no pre-policy medical check-up is needed.
- ✅ Quick Claim Processing: Star Health ensures a swift and hassle-free claim settlement process.
- ✅ Individual & Family Options: Policy can be taken individually or for family members under separate individual sum insured.
- ✅ Tax Benefits: Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act.
Eligibility Criteria
- Entry Age: From 18 years to 65 years. Children above 1 year can be covered when either or both parents are covered.
- Policy Term: Available in 1-year policy tenure with renewal options.
- Renewability: Lifetime renewability is offered under this plan.
Exclusions of the Policy
- Pre-existing diseases not covered.
- Viral infections diagnosed during the waiting period.
- Hospitalization for non-specified viruses.
- Claims without hospitalization (admission for at least 24 hours is mandatory).
Why Choose Star Virus Insurance Policy?
- From rising hospital costs to increasing exposure to vector-borne and viral diseases, this policy is designed for those who want peace of mind during viral outbreaks.
- Star Health’s strong network of cashless hospitals, efficient customer service, and transparent claim processes make it a reliable health insurance provider.
Conclusion:
The Star Virus Insurance Policy is a focused and affordable protection plan against the rising health risks caused by viral infections. It is a proactive solution for individuals and families looking to stay financially secure during uncertain health situations. Choosing this plan is a smart step toward ensuring that a sudden illness doesn’t turn into a financial crisis.
