Star Health Super Star Plan

Star Health Super Star Key Benefits

Now, lets take a closer look at some of the Super Star plan standout features and benefits that come built in, so you dont have to pay an additional premium for them:

• Premium Waiver: The next Policy Year's premium can be waived when the proposer, who is also an insured person, is diagnosed with a specified critical illness or dies due to an accident, subject to the applicable conditions.
• Freeze Your Age: For eligible policyholders, the premium remains linked to the age at entry until the first claim is paid, subject to the policy terms. After an eligible claim, premium is charged according to the insured person's age at renewal.
• Unlimited Tele-Consultation and AI-Driven Face Scan: Policyholders can access unlimited tele-consultations through the Star Health mobile application. The AI-driven face scan can be used to check selected vital parameters such as heart rate, oxygen saturation and respiration rate up to two times per month per insured person.
• Dental Check-Up & Cleaning: Dental consultation, IOPA X-ray and scaling are available for one insured person during the 2nd and 3rd Policy Years, subject to the applicable conditions.

Star Health Super Star Optional Cover

The Super Star plan includes a wide range of built-in benefits designed to cover many of your medical expenses. It also offers optional covers that you can add to tailor the policy to your needs. Let’s explore these additional benefits below:

• Limitless Care: Covers eligible in-patient or day-care treatment for one claim during the lifetime of the policy without a Sum Insured limit. Once a claim is paid under this cover, it ends and cannot be selected again. The total Sum Insured becomes zero for that Policy Year. It is not available with Unlimited Sum Insured.
• Super Star Bonus (Guaranteed Bonus): Adds 100% of the expiring or renewed Annual Sum Insured, whichever is lower, after each Policy Year, irrespective of claims. The bonus can accumulate up to an Unlimited Sum Insured. It is not available when Unlimited Sum Insured is selected.
• Women Care: Allows eligible pregnant women to obtain the policy by submitting the required 12-week and 20-week pregnancy scan reports. The newborn can receive cover from birth, including specified congenital defects, subject to the applicable limits and conditions.
• Future Shield: Provides continuity benefits for the waiting periods already served by the insured to a newly added spouse. The spouse must be eligible under the cover, the marriage must take place after selecting Future Shield, and the spouse should be added within 120 days of marriage with the required marriage certificate.
• Maternity Expenses: Provides three options. Option A covers delivery expenses, including Caesarean delivery, with a 24-month waiting period, along with newborn cover. Option B provides similar delivery and newborn benefits with a 12-month waiting period. Option C covers eligible Assisted Reproduction Treatment. The maternity options have specified limits per delivery and newborn limits based on the selected Sum Insured.
• Quick Shield: Waives the standard PED waiting period for specified conditions including Diabetes, Hypertension, Asthma, Hyperlipidemia and certain Coronary Artery Diseases, with eligible coverage beginning from Day 31, subject to the cover terms.
• Annual Health Check-Up: Provides a cashless health check-up from Day 1, up to 1% of the Sum Insured or ?25,000, whichever is lower, with booking through digital platforms. The same limit can also be used for vaccination expenses.
• Reduction of Specified Disease Waiting Period: Reduces the standard 24-month waiting period to 12 months. This option is available only on the first purchase, up to the Sum Insured selected at that time, and is subject to underwriting approval.
• Reduction of PED Waiting Period: Reduces the standard 36-month PED waiting period to 24 months or 12 months, subject to underwriting approval and the cover conditions. This option does not apply to conditions covered under Quick Shield.
• Personal Accident Cover: Provides two options - Accidental Death, or Accidental Death plus Permanent Total Disablement and the geographical scope of this cover is worldwide.
• Coverage for Consumables: Covers eligible non-medical items listed under the applicable policy schedule when there is an admissible in-patient or day-care claim.
• High End Diagnostics: Covers specified diagnostic tests on an OPD basis up to 25,000 in a Policy Year, including tests such as PET CT, PET MRI, CT-guided biopsy, DSA, liver biopsy and renogram, subject to the cover conditions.
• Durable Medical Equipment Cover: Covers rental or purchase of specified medical equipment, such as CPAP machines, ventilators, wheelchairs, prosthetic devices, suction machines, commode chairs, infusion pumps, continuous passive motion devices and oxygen concentrators, up to 5 lakh once during the lifetime of the policy.
• Hospital Cash: Provides a fixed cash benefit for every completed 24 hours of eligible hospitalization. The amount can be selected from 1,000 to 5,000 per day, with options of 30, 60, 90 or 180 days, as applicable.
• E-International Second Opinion: Provides a second medical opinion from an international panel once in a Policy Year for each insured person, based only on submitted medical records.
• Compassionate Visit: Provides up to 10,000 per occurrence for travel by an immediate family member when the insured person is admitted for a life-threatening emergency away from their usual place of residence.

Options To Reduce Premium in Super Star Plan

If you want to reduce your premium, this plan offers certain optional riders that can help. However, these discounts come with terms and conditions, which may require you to bear part of the claim expenses yourself. Let’s look at the options available under this plan:

• Smart Network: Provides a 15% premium discount when treatment is taken at selected Smart Network hospitals. A 15% co-payment applies to treatment taken outside the Smart Network, except for accidents. This cover is not available for insured persons covered under Zone C.
• Room Rent Modification: Allows the policyholder to modify Any Room eligibility to Single Private AC Room, Shared Room or General Ward.
• Voluntary Co-Payment: Allows the insured to select a 10%, 20%, 30%, 40% or 50% co-payment on applicable claims.
• Voluntary Deductible: Allows a voluntary aggregate deductible of ?10,000, ?25,000, ?50,000, ?1 lakh, ?2 lakh, ?3 lakh, ?4 lakh or ?5 lakh for applicable hospitalization expenses.

Voluntary Co-Payment and Voluntary Deductible cannot be selected together. Quick Shield and Reduction of PED Waiting Period are available only for eligible persons up to 65 years, while Reduction of Specified Disease/Procedure Waiting Period is available only up to 45 years. Super Star Bonus and Limitless Care are not available with Unlimited Sum Insured.

What Are The Exclusions Under Star Health Super Star?

Star Health Super Star has exclusions that may prevent certain treatments or expenses from being payable. Important exclusions include:

• Treatment mainly undertaken for investigation or evaluation and Rest cure, rehabilitation, respite and custodial care.
• Change-of-gender treatment and Cosmetic or plastic surgery, except in specified medically necessary circumstances and Treatment arising from professional participation in hazardous or adventure sports.
• Treatment directly arising from a breach of law with criminal intent and Treatment related to alcoholism, drug or substance abuse or addiction.
• Unproven, unconventional, untested or experimental treatments and sterility and infertility expenses except to the extent covered under the applicable Assisted Reproduction option.
• Certain congenital external conditions and defects and intentional self-injury and Treatment arising from war, invasion, foreign enemy action or nuclear weapons/materials.

The policy also permits specific existing diseases to be permanently excluded when they are disclosed and accepted under the applicable policy schedule.

Waiting Period for Star Health Super Star

The Super Star plan comes with waiting periods for certain illnesses. You need to complete the applicable waiting period before you can claim coverage for these expenses. Let’s look at these waiting periods below:

• Initial Waiting Period - A 30-day waiting period applies to illness-related treatment from the first policy commencement date. This does not apply to eligible accident claims.
• Specified Disease/Procedure Waiting Period: Listed specified diseases, surgeries and procedures have a 24-month waiting period. These include several eye, ENT, thyroid, breast, joint, spine, gall bladder, varicose veins, fistula, and other listed procedures.
• Pre-Existing Disease Waiting Period: The standard waiting period for pre-existing diseases is 36 months of continuous coverage. The waiting period can be reduced through the applicable optional covers, subject to underwriting.
• Maternity and Assisted Reproduction Waiting Period: The Maternity Expenses option can have a 24-month or 12-month waiting period, depending on the selected option. Assisted Reproduction Treatment under Option C has a 24-month waiting period and is subject to the additional conditions of that cover.

Star Health Super Star Insurance Claim Process

Star Health Super Star provides both cashless and reimbursement claim facilities. For a planned hospitalization, claim intimation must generally be made at least 48 hours before the proposed treatment or hospitalization, while an emergency hospitalization must be intimated within 24 hours:

For reimbursement of hospitalization, day-care and pre-hospitalization expenses, the claim documents should generally be submitted within 15 days of discharge. Post-hospitalization reimbursement documents should generally be submitted within 15 days after completion of the maximum applicable post-hospitalization period. Star Health may request additional documents where required