It is a unique indemnity health policy specially designed for customers of 50 years of age and above.
Star Health Premier Insurance Policy: Star Health and Allied Insurance, India’s first standalone health insurance company, has launched Star Health Premier Insurance Policy. It is a unique indemnity health policy specially designed for customers of 50 years of age and above. This policy is designed to cover hospitalization expenses due to illness or accident.
Customers above 50 years of age will benefit
This policy is available on both individual and floater basis for adults aged 50 years and above. If the insured does not have any pre-existing diseases, then there is no need of pre-medical test to avail this policy. Customers can buy the policy by way of premium which can be paid in quarterly or half yearly installments.
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What is special in Star Health Premier Insurance Policy
- Sum Assured up to Rs 1 crore available: Customers can opt for sum insured of Rs 10 lakh, Rs 20 lakh, Rs 30 lakh, Rs 50 lakh, Rs 75 lakh and Rs 1 crore.
- Coverage – Inpatient hospitalization, day care treatment, road ambulance, air ambulance, organ donor expenses, and pre and post hospitalization expenses
- Additional benefits include coverage for AYUSH treatments, rehabilitation and pain management, bariatric surgery, modern treatments, home care treatments, medical and tele-health consultations.
- It covers outpatient medical expenses from day one.
- Long Term Discount – 10% discount on 2nd year premium in 2 year policy. 11.25% discount on 2nd and 3rd year premium in 3 year policy
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These benefits will be available under the policy
- Health check-up benefit every claim free year
- Under pre-hospitalization expenses, medical expenses incurred up to 60 days immediately before the hospitalization of the insured will be covered.
- Post-hospitalization expenses include medical expenses up to 90 days immediately after the insured person is discharged from the hospital.
- Hospice Care: Payable up to 10% of Sum Assured or up to a maximum of Rs.5 Lakhs, payable once in a lifetime for each Life Assured, if availed at Company’s network facility.
- AYUSH treatment covers the cost of hospitalization of the patient and day care treatment up to the sum insured.
- Non-medical items like gloves, food charges and other items are covered during hospitalization.
- Modern Treatment covers up to 50% of the sum insured either as an inpatient or as part of day care treatment in a hospital.
- The Star Wellness Program provides incentives and rewards to the insured through various wellness activities. The Life Assured can earn wellness reward points to avail premium waiver. This wellness program can be accessed online through Star Health customer mobile app ‘Star Power’ and ‘Star Health Customer Portal’ (digital platform) through Star Wellness Platform.
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