Star Maternity plan
🌸 Introduction
Star Health Insurance ne apne customers ke liye ek khas maternity insurance plan launch kiya hai, jo pregnancy aur childbirth se related medical expenses ko cover karta hai. Yeh plan un couples ke liye hai jo apni parenthood journey ko financially secure banana chahte hain.
🛡️ Key Features
Policy Types: Individual aur Family Floater
Sum Insured Options: ₹5 lakh se ₹1 crore tak
Policy Term: 1, 2, ya 3 saal
Entry Age: 18 se 65 saal tak
Waiting Period: 24 se 36 mahine, plan ke hisaab se
✅ Coverage Details
1. Maternity Benefits
Delivery Expenses: Normal ya cesarean delivery ke expenses cover hote hain.
Pre and Post-Natal Care: Pregnancy ke dauran aur delivery ke baad ki medical expenses cover hoti hain.
Newborn Baby Care: Baby ke birth ke baad ki medical expenses bhi cover hoti hain.
2. Hospitalization
Room Rent: Standard AC room mein hospitalization ki expenses cover hoti hain.
ICU Charges: ICU mein treatment ke liye bhi coverage available hai.
Doctor’s Fees: Surgeon, anesthetist, aur consultant ki fees cover hoti hai.
3. Day Care Procedures
Coverage: 400+ daycare procedures, jo 24 ghante se kam time mein complete hote hain, cover hote hain.
4. Pre and Post-Hospitalization
Pre-Hospitalization: Hospitalization se pehle ke medical expenses cover hote hain.
Post-Hospitalization: Hospitalization ke baad ki medical expenses bhi cover hoti hain.
5. No Claim Bonus (NCB)
Bonus: Agar policy period mein koi claim nahi hota, to sum insured mein up to 100% ka increment milta hai.
💡 Additional Benefits
Cashless Treatment: Star Health ke 15,000+ network hospitals mein cashless treatment ki facility available hai.
Automatic Restoration: Agar sum insured exhaust ho jata hai, to 100% automatic restoration milta hai.
No Pre-Acceptance Medical Screening: 50 saal se kam umar ke liye koi medical test ki zarurat nahi hoti.
Lifelong Renewability: Policy ko lifetime renew karne ka option hota hai.
🚫 Exclusions
Pre-Existing Diseases: Kuch specific illnesses ko cover karne ke liye waiting period apply hota hai.
Non-Allopathic Treatments: Ayurveda, Unani, Siddha, aur Homeopathy treatments cover nahi hote.
Self-Inflicted Injuries: Apne aap ko chot pahuchana cover nahi hota.
Cosmetic Treatments: Beauty-related treatments ko cover nahi kiya jata.
📊 Premium Calculation
Premium aapke age, sum insured, aur policy term par depend karta hai. Example ke liye:
₹5 Lakh Sum Insured: ₹4,500 per year
₹10 Lakh Sum Insured: ₹9,000 per year
₹15 Lakh Sum Insured: ₹13,500 per year
Note: Yeh premium indicative hai aur actual premium aapke details par depend karega.
🏥 Network Hospitals
Star Health ka pan-India 15,000+ hospitals ka network hai jahan aap cashless treatment le sakte hain. Aap apne nearest network hospital ki list Star Health ki website ya customer care se le sakte hain.
🧠 Conclusion
Star Health ka Maternity Insurance Plan un couples ke liye ek valuable option hai jo apni parenthood journey ko financially secure banana chahte hain. Yeh plan aapko delivery expenses, pre and post-natal care, aur newborn baby care ke liye financial protection deta hai. Agar aap apne pregnancy ko stress-free aur financially secure banana chahte hain, to yeh policy aapke liye beneficial ho sakti hai.