Star Women Care Plan
🌸 Introduction
Star Health Insurance ne apne female customers ke liye ek khaas health insurance plan launch kiya hai, jiska naam hai Star Women Care Insurance Policy. Yeh policy un sabhi women ke liye design ki gayi hai jo apni health ko priority dena chahti hain aur apne aur apne family ke liye comprehensive coverage chahti hain. Is policy mein regular hospitalization se lekar maternity benefits, critical illness coverage, aur wellness benefits tak sab kuch included hai.
🛡️ Key Features
Policy Type: Individual aur Family Floater (Only females ke liye)
Entry Age: 18 se 75 saal tak
Sum Insured Options: ₹5 lakh se ₹1 crore tak
Policy Term: 1, 2, ya 3 saal
Premium Payment Options: Monthly, Quarterly, Half-Yearly, Annually
Waiting Period: Maternity benefits ke liye 36 mahine ka waiting period applicable hai
No Pre-Acceptance Medical Screening: Policy lene se pehle koi medical test ki zarurat nahi hai
Mid-Term Inclusion: Newly married spouse, newborn baby, ya legally adopted child ko policy term ke dauran add kar sakte hain, extra premium ke saath
✅ Coverage Details
1. Hospitalization Expenses
Room Rent: Single Private A/C 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
Pre and Post-Hospitalization: Hospitalization se pehle 60 din aur hospital discharge ke baad 90 din tak ke medical expenses cover hote hain
2. Maternity Benefits
Delivery Expenses: Normal aur 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
3. Day Care Procedures
Coverage: 24 ghante se kam time mein complete hone wale 400+ daycare procedures cover hote hain
4. Modern Treatments
Coverage: Robotic surgeries, oral chemotherapy, stem cell therapy, bariatric surgery, aur in-utero fetal surgery jaise advanced treatments ki expenses cover hoti hain
5. Assisted Reproductive Treatments
Coverage: IVF, IUI, surrogacy, aur oocyte donor care jaise assisted reproductive treatments ki expenses cover hoti hain
Waiting Period: In treatments ke liye 36 mahine ka waiting period applicable hai
6. Organ Donor Expenses
Coverage: Organ transplantation ke liye organ donor ki hospitalization expenses cover hoti hain
7. Critical Illness Cover
Coverage: Cancer, heart attack, stroke, kidney failure, aur other critical illnesses ke liye coverage available hai
8. Wellness Benefits
Health Check-Ups: Regular health check-ups ka benefit milta hai
Discounts: Renewal premiums par discounts milte hain agar aap claim-free rahte hain
💡 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 Co-Payment: Policy mein co-payment clause nahi hai
Tax Benefits: Section 80D ke under income tax benefits milte hain
🚫 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: ₹7,965 per year
₹10 Lakh Sum Insured: ₹15,930 per year
₹15 Lakh Sum Insured: ₹23,895 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 Women Care Insurance Policy un women ke liye ek valuable option hai jo apni health ko priority dena chahti hain. Yeh policy aapko maternity expenses, critical illness coverage, aur wellness benefits ke through financial protection deti hai. Agar aap apni health ko stress-free aur financially secure banana chahti hain, to yeh policy aapke liye beneficial ho sakti hai