The Star Women Care Insurance Policy by Star Health and Allied Insurance is a specialized health insurance plan tailored to address the unique healthcare needs of women across various life stages. It offers comprehensive coverage encompassing maternity, reproductive health, modern treatments, and wellness benefits, making it a holistic choice for women’s health insurance.policybazaar.com
šÆ Key Features
- Eligibility: Available to women aged 18 to 75 years. The policy can be purchased individually or as a family floater, provided at least one female member is included.policybazaar.com+3livemint.com+3livemint.com+3policybhandar.com+1wpolicy.in+1
- Sum Insured Options: Ranges from ā¹5 lakh to ā¹1 crore, offering flexibility based on individual needs and budgets. probusinsurance.com+5policybhandar.com+5wpolicy.in+5
- No Pre-Medical Screening: Women can purchase the policy without undergoing pre-acceptance medical tests. policybazaar.com+1livemint.com+1
- Maternity Coverage: Covers delivery expenses (normal and cesarean) up to two deliveries in a lifetime, including pre-natal and post-natal care, subject to specified limits and waiting periods. livemint.com+3blog.starhealth.in+3policybazaar.com+3
- Newborn Baby Cover: Medical expenses for newborns, including hospitalization, vaccinations, metabolic screening, and pediatric consultations, are covered from day one. business-standard.com+2policybazaar.com+2livemint.com+2
- Assisted Reproduction Treatment: Expenses related to assisted reproductive treatments like IVF are covered, subject to sub-limits and a waiting period. starhealth.in+3joinditto.in+3reddit.com+3
- Surrogacy and Oocyte Donor Cover: Provides coverage for complications arising from surrogacy and oocyte donation procedures, adhering to legal guidelines and specified conditions. joinditto.in+2livemint.com+2starhealth.in+2
- In-Utero Fetal Surgery: Covers advanced procedures like fetal surgery and repairs performed during pregnancy. starhealth.in
- Voluntary Sterilization: Covers expenses for procedures like tubectomy and vasectomy after a specified waiting period. policybazaar.com+3joinditto.in+3probusinsurance.com+3
- Modern Treatments: Includes coverage for 12 modern treatments such as robotic surgeries, stem cell therapy, and more. policybazaar.com+1starhealth.in+1
- AYUSH Treatments: Expenses for in-patient treatments under Ayurveda, Unani, Siddha, and Homeopathy systems are covered. policybazaar.com+1blog.starhealth.in+1
- Outpatient Consultations: Covers OPD consultations, including unlimited gynecologist consultations via the Star Telehealth app. business-standard.com+5starhealth.in+5policybazaar.com+5
- Star Mother Cover: If a child under 12 years is hospitalized in the ICU, the policy covers the mother’s accommodation expenses in a single private AC room or provides reimbursement if staying nearby. probusinsurance.com+3livemint.com+3joinditto.in+3
š° Financial Benefits
- Cumulative Bonus: Earn a 20% bonus on the sum insured for each claim-free year, up to a maximum of 100%. policybazaar.com+5livemint.com+5starhealth.in+5
- Automatic Restoration: Once during the policy term, if the sum insured is exhausted, it is automatically restored by 100%. wpolicy.in+4blog.starhealth.in+4policybazaar.com+4
- Wellness Program: Participate in wellness activities to earn points that can be redeemed for premium discounts. Activities include fitness initiatives and maintaining daily step counts. scribd.com
- Long-Term Discounts: Avail 10% discount on 2-year premiums and 11.25% on 3-year premiums. wpolicy.in+2business-standard.com+2starhealth.in+2
- Tax Benefits: Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act. blog.starhealth.in+1policybazaar.com+1
š„ Hospitalization & Room Rent
- Room Rent: For sum insured options of ā¹10 lakh and above, there are no sub-limits on room rent, allowing flexibility in choosing hospital rooms. probusinsurance.com+4policybhandar.com+4reddit.com+4
- Shared Accommodation Benefit: A daily allowance of ā¹2,000 is provided if the insured opts for shared accommodation, up to a maximum of seven days. policybazaar.com+1blog.starhealth.in+1
ā ļø Important Considerations
- Maternity Sub-Limits: Be aware that the ā¹75,000 limit for delivery expenses includes room rent, which may affect the overall coverage for delivery-related costs. livemint.com+4reddit.com+4reddit.com+4
- Waiting Periods: Certain benefits, such as assisted reproduction treatment and voluntary sterilization, have specific waiting periods before coverage begins. starhealth.in+5business-standard.com+5starhealth.in+5
š Conclusion
The Star Women Care Insurance Policy offers comprehensive coverage tailored to women’s health needs, encompassing maternity, reproductive health, modern treatments, and wellness benefits. Its flexibility in sum insured options, absence of pre-medical screening, and additional benefits like wellness programs and tax deductions make it a valuable choice for women seeking holistic health insurance coverage.business-standard.com
For more detailed information or to purchase the policy, visit the official Star
