Star Health Women Care Plan: A Maternity Insurance Plan

Why Choose Star Women Care Plan

Designed to alleviate your health worries, Star Comprehensive Insurance Policy offers comprehensive health insurance coverage. According to the amount insured, the Star Health plan offers several benefits to women. You can purchase this plan on an individual or family floater basis, and there is no sub-limit or capping. There are no sub-limits or caps on the benefits offered by the fully comprehensive family health insurance plan.

Benefits of Star Women Care Plan

Coverage for basic needs - Room, boarding, and nursing will be covered by the star health insurance company up to 1% of your chosen amount Insured. According to the policy, the cost will be covered per day based on the total number of consecutive hospital stays. A maximum of INR 20,000 per day is covered under this policy.
Cover of the Star Mother-The insurance company will cover a single private air-conditioned room for your child if he or she is younger than 12 years old. If your child is receiving treatment in an intensive care unit, you are entitled to this benefit. You will be reimbursed INR 2,500 per day for your stay in a hotel room if the room is not available in the hospital where your child was admitted, as long as the hotel is within 2 km of the hospital.
Sterilization expenses incurred voluntarily - In the event you are married and over 22, the policy will cover the expense of Voluntary Sterilisation (Tubectomy / Vasectomy) after a waiting period of 24 months. The cost of reversing sterilization is not refundable.
Accidental miscarriage - If a miscarriage is caused by an accident, a lump sum amount will be paid. You can only use this benefit once.
Expenses associated with delivery -The company will cover all expenses related to the delivery of the child, including Cesarean sections, and prenatal and postnatal care. Two deliveries are covered by this benefit. In this section, pre- and post-hospitalization expenses are not included.
A newborn's treatment - As long as a newborn is born with a congenital internal and external defect or anomaly, in-patient hospitalization expenses are covered from day one. The maximum amount insured is 25%. In the event of a newborn at birth, insurance coverage for such expenses is 100% after payment of the applicable premium. The newborn baby is entitled to vaccinations for a period of 12 months from birth. As part of its vaccination policy, Star Health is liable for vaccines worth INR 2,500 for sums insured of INR 5 to 10 lakhs, and for sums insured of INR 15 lakhs and more.
Suitable for pregnant women - Unlike most health insurance plans, this policy will cover pregnant women as long as they submit scan reports from 12-20 weeks along with their application.
Benefits related to maternity -A wide range of maternity-related benefits is covered under this health insurance, including delivery expenses, newborn baby coverage, assisted reproduction treatments, in-utero fetal surgery, accidental miscarriages, etc.
Sum insured automatically restored -Once during the policy's lifetime, a partial or full utilization of the sum insured will automatically result in a 100% restoration of that amount.
Check-ups for preventative health - The policy includes a preventive health check-up benefit every year for the insured.
Bonuses cumulative - During the last policy year, if no claims were filed, the policyholder will be granted a cumulative bonus of 20% up to a maximum of 100%. With this bonus, the renewal sum insured will be increased without a higher premium.
Benefits associated with shared accommodation-When opting for shared accommodation in the hospital, the policyholder will receive Rs 2000 per day. A maximum of seven days is allowed for this benefit.
Hospitalization without cash-More than 12000 Star Women Care Insurance network hospitals across India provide cashless hospitalization facilities to policyholders.
Benefits of Star Wellness-A range of wellness activities are included in the Star Wellness Benefit to promote a healthy lifestyle. Wellness points are awarded for developing healthy habits. Depending on how many wellness points you have, the discount on the premium will be higher.
Medical screening is not required before acceptance -Pre-acceptance medical checks are not required for women interested in purchasing this Star Health Insurance policy.
Benefits from taxation-Star Women Care policy premiums can be claimed for tax savings under Section 80D of the Income Tax Act.

Inclusions of Star Women Care Plan

It covers expenses incurred during hospitalization of at least 24 hours, including boarding charges, room rental, and nursing expenses.
Prenatal and postpartum expenses are covered up to a maximum of two deliveries during the policy's lifetime, including normal and cesarean deliveries.
Medical expenses incurred in the treatment of a newborn baby are covered by Newborn Baby Cover, including hospitalization, vaccinations, metabolic screenings, and pediatrician consultations.
In case the insured child of less than 12 years is admitted to the ICU, the Star Mother Cover covers the cost of a single private AC room for the mother in a hospital.
Medical expenses for daycare procedures requiring fewer than 24 hours of hospitalization are covered.
A non-medical item is one that can be purchased while in the hospital that is not medical in nature.
Charges for road ambulance transportation to or from a hospital are covered by this plan. Only if Star Health & Allied Insurance Company accepts the hospitalization claim is coverage available.
Charges for air ambulance services - They cover the cost of air ambulances used in cases of life-threatening illness.
The pre-hospitalization expenses coverage covers medical expenses incurred up to 60 days before hospital admission.
The Post-Hospitalization Expenses coverage covers medical expenses incurred after discharge from the hospital up to 90 days later.
Assistive reproduction treatment can be covered once per policy year in cases of infertility.
After pregnancy has been confirmed, it covers the outpatient medical expenses incurred on ante-natal care.
It covers the costs of in-utero fetal surgeries and procedures, such as fetal image-guided surgery, the EXIT procedure, in-utero fetal surgery, and in-utero fetal surgery.
When a pregnant woman suffers a miscarriage due to an accident, she will receive a lump sum amount. Once during the policy's lifetime, this cover is payable.
If the insured is married and over 22 years of age, it covers medical expenses incurred on voluntary sterilization, such as tubectomy and vasectomy.
Females covered by the policy are covered for the cost of their OPD medical consultations. Using the Star telehealth app, you can also consult with a gynecologist at any time.
The insurance covers the costs associated with harvesting the organ for the treatment of the insured. In addition, it covers the cost of redo surgery or ICU admission incurred by the organ donor.
This covers the cost of in-patient treatment at an Ayurvedic, Unani, Siddha, or Homeopathic hospital.

Exclusions of Star Women Care Plan

Assisted reproduction treatment for infertility and sterility
Miscarriages that are not accidental
Substances and supplements that are expensive
Anomalies of the external congenital system
Treatment in the dental field
Treatments for obesity and weight loss
Plastic surgery or cosmetic surgery
Addiction treatment and alcoholism treatment
Self-injury with intent
Treatments based on gender change

FAQ

Star Women Care Insurance is offered by which health insurance company?

A new insurance policy for women had been launched by Star Health & Allied Insurance Company.

Is it possible for pregnant women to purchase Star Women Care Insurance?

Yes, of course. When pregnant women submit their scan reports during their 12th and 20th weeks of pregnancy, they can purchase Star Women Care Insurance.

What is the minimum age for Star Women Care Insurance policies?

Children and adults must be 18 years or older to purchase Star Women Care Insurance.

Before renewing my Star Women Care Insurance policy, can I add my newly married husband or newborn baby?

That's right. Star Women Care Insurance allows you to add your newlywed spouse or newborn child midway through the term of the policy. It is important to keep in mind, however, that this mid-term inclusion will increase your premiums.

Is cancer coverage available to everyone under Star Women Care Insurance?

Unfortunately, no. For females between the ages of 91 days and 65 years, Star Women Care Insurance offers cancer cover as an add-on.

Is it possible to pay for Star Women Care Insurance in installments?

It is true. Instalments are available for Star Women Care Insurance on a quarterly and half-yearly basis.

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