Future ke har move,
covered!
Eligibility
For Individual SI: 18 years to Any Age;
Entry Age For Floater SI: Adults: 18 years to Any Age; Dependent Children: 91 days to 25 years;
Family Size under Floater: 2 Adults + 4 Children (Self, Spouse & Dependent Children)
10 L, 15 L, 20 L, 25 L, 50L, 1 Cr, Unlimited SI
Sum Insured Options (Rs.)
SI options 1 Crore & Unlimited can be offered only up to 65 years of age (fresh policies)
Co-Payment Not Applicable
Family definition for multi- Self, spouse, children, parents, siblings, parents-in-law, grandparents & grandchildren,
individual cover son-in-law and daughter-in-law, uncle, aunt, nephew, niece, brother-in-law & sister-in-law
Zone wise Premium Zone A, Zone B, Zone C
Mid-term Inclusion Available for Newly Wedded Spouse, Newborn and Legally adopted Child.
Policy Term 1/ 2/ 3 Years
DISCOUNTS
2.5% discount if renewed 30 days before the premium due date
Early Renewal Discount Note: Early renewal discount to be offered only during 2nd & 3rd year renewals
(Applicable to both Indian insured & NRI customers)
Long Term Discount 10% on 2nd year premium; 12.5% on 3rd year premium
Wellness Discount Wellness rewards up to 20% on renewal premium
WAITING PERIODS
Initial Waiting Period 30 days
Specified Diseases Waiting
24 months
Period
PED Waiting Period 36 months
BASE COVERS
Room Rent Any Room
Professional Fees, Tests,
Covered up to the Sum Insured
Medicines, ICU
Insured will pay premium as per the entry age till the Insured makes the first claim
Freeze your Age
(hospitalisation/ day care claim) this will be available up to 50 years only
Automatic Restoration of Up to 100% SI, unlimited times in a policy year for related and unrelated illness for subsequent
Sum Insured hospitalisation and triggers on partial/ full utilisation of SI
Cumulative Bonus 50% after each renewal (if claim-free); maximum up to 100% of SI
Coverage for organ transplantation and related expenses up to the SI, including the donor’s
Organ Donor Expenses
post-donation complications
Dental Check-up and Consultation, IOPA (X-Ray) and Scaling, available for one person under each policy in the
Cleaning 2nd and 3rd policy years. Available on cashless basis only.
Unlimited Tele-consultation Available on Star Health App (along with AI-driven Face scan)
Home Care Treatment Covered up to the Sum Insured
Domiciliary Hospitalisation Covered up to the Sum Insured
Pre and Post Hospitalisation 90 days and 180 days respectively, covered up to the Sum Insured
Day Care Treatment All Day Care Treatments covered up to the Sum Insured
Modern Treatments Covered up to the Sum Insured
AYUSH Treatment Covered up to the Sum Insured
Road Ambulance Covered up to the Sum Insured
Air Ambulance Covered up to RS. 5 Lakh in a policy year
One year premium is waived if the proposer, who is also insured, is diagnosed with a listed
Premium Waiver
critical illness or dies due to an accident
The STAR Wellness Program—accessible through the STAR Health App and STAR Wellness
STAR Wellness Program App—allows you to earn over 1,000 points each year through various wellness activities.
These points can be redeemed for up to a 20% discount on renewal premiums.
Value Added Services Available (Discounts on Pharmacy/ Diagnostics/ Consultations)
E-Domestic Second Medical Access to a second medical opinion from a network doctor based on submitted
Opinion medical records
ADDITIONAL COVERS
Super Star Bonus 100% additional SI after each renewal (irrespective of claim) without any maximum limit on
(Guaranteed Bonus) accumulation (UNLIMITED). Not available for Unlimited SI.
E-International Second Second medical opinion from an international panel, once per policy year for each insured
Opinion person, based on medical records only
Durable Medical Equipment Up to Rs. 5 Lakhs Coverage for rental/ purchase of necessary medical equipment (e.g.,
Cover oxygen concentrators, wheelchairs, etc.), payable once in a lifetime
Up to Rs. 10,000 for immediate family travel in case of a life-threatening emergency away
Compassionate Visit
from home, provided if the hospitalisation claim is admissible under the policy
OPTIONAL COVERS
One Unlimited Claim Cover in a lifetime (only if chosen during the first 3 years)
Limitless Care
Not available for Unlimited SI.
Continuity benefits for all waiting periods for a newly added spouse
Future Shield Conditions: Spouse must be added within 120 days of marriage; available for individual
policies only. Entry age of Spouse upto 35 years.
Maternity Expenses Delivery expenses (24-month waiting period) + Newborn Cover
Waives PED Waiting Period for Diabetes, Hypertension, Asthma, Hyperlipidemia, and certain
Quick Shield Coronary Artery Diseases. Coverage from 31st day. (available only for individuals aged up to
65 years)
Up to 1% of Sum Insured or Rs. 25,000 (whichever is lower) in a policy year, including
Annual Health Check-up
vaccinations, if chosen within the first 3 years (available on cashless basis only)
68 Non-payable items will be covered.
Consumables Cover
For more details, please visit our website: [Link]
Option to modify room rent eligibility from Any Room to Single Private AC Room/ Shared
Room Rent Modification
Room/ General Ward
This is an abridged version, for full details refer prospectus.
UIN: SHAHLIP25036V012425 Star Health and Allied Insurance Co Ltd CIN : L66010TN2005PLC056649
