Star Assure plan
Plan ka overview
Star Health Assure plan ek bahut hi comprehensive health insurance policy hai jo individual aur family dono ke liye available hai. Ye plan aapko basic “hospitalisation cover” se zyada provide karta hai — pre-hospitalisation, post-hospitalisation, day-care procedures, modern treatments, wellness programmes, aur automatic sum-insured restoration jaise features ke saath. healthstatic.policybazaar.com+3Star Health+3Policybazaar+3
Is plan ka aim hai: aapko aur aapke parivaar ko ek strong health-financial backup provide karna — taaki medical emergencies ya major treatments ke time aapko financial stress ka samna na karna pade.
🛡️ Key Features aur Benefits
Wide Coverage
Ye plan individual basis par ya family floater basis par liya ja sakta hai. Star Health+1
Entry age: Individual ke liye 91 days se lekar 75 years tak possible hai; family floater me minimum 18 years aur parent/parents-in-law ko bhi cover karta hai. Star Health+1
Sum insured (SI) options bahut wide hain — Rs. 5 lakh se lekar Rs. 2 crore tak ya uske aas-paas (depending on variant) available hain. Star Health+1
Hospitalisation & treatment cover
Aapko inpatient hospitalisation cover milta hai — agar aap hospital me ≥ 24 hours admit ho jaate hain (either illness, injury) to room, nursing, doctor fees, ICU charges, operative procedures, etc cover hote hain. healthstatic.policybazaar.com+1
Pre-hospitalisation expenses (up to ~60 days before hospitalisation) aur post-hospitalisation (up to ~180 days after discharge) bhi is plan me include hain. Policybazaar+1
Day-care procedures (those jisme 24-hour stay nahi hota) bhi covered hain. Fincover+1
Modern treatments jaise robotic surgeries, stem cell therapy, advanced cancer therapy, organ transplant, etc bhi cover ke under ho sakte hain (terms & sub-limits ke saath). Oneassure+1
Special advantages
Automatic Restoration of Sum Insured: Agar policy year me aapki sum insured exhaust ho jaati hai (yah partially use ho jaati hai), to policy automatically 100% SI restore karta hai — aur ye benefit unlimited number of times ek policy year me mil sakta hai. Star Health+1
No Claim Bonus (NCB)/Cumulative Bonus: Har claim-free year me aapko bonus milta hai — jaise 25% of base SI per claim-free year, up to max ~100% add-on (ye plan me variant wise differ karega). Beshak+1
Wellness / Renewal Discount: Agar aap healthy lifestyle follow karte hain (wellness programme me participate karte hain), to renewal premium par discount ya wellness points system ka benefit mil sakta hai. Compare Policy
No Room Rent Capping (Certain SI options ke liye): Agar aap higher SI select karte hain (e.g., Rs. 10 lakh ya uske upar), to “any room” (except very high luxury suite) ka facility mil sakta hai, ya room-rent-sub-limit bahut liberal hota hai. Oneassure+1
Additional covers
Non-medical consumables (oxygen cylinders, gloves, masks, etc) bhi admissible claim me shamil ho sakte hain. Policybazaar+1
Road ambulance, air ambulance cover (conditions ke saath) available hai. Star Health+1
Maternity/new-born cover, home-care treatment, AYUSH cover (Ayurveda/Unani/Siddha/Homeopathy) – variants ke hisaab se. Star Health
📋 Eligibility, Policy Details & Premium Payment
Entry age: as mentioned; parents and parents-in-law include karna possible hai (floater) up to certain age (e.g., 75) subject to underwriting. Fincover
Policy tenure: 1 year, 2 years, 3 years options ho sakte hain (depending on variant).
Renewal: Lifetime renewability available in many cases — yaani aap apni policy ko age limit ke baad bhi renew kara sakte hain (terms apply). Spoonfeeding
Premium ka calculation depend karta hai: age, sum insured, family size, area of residence, past medical history, variant (deductible/co-pay) etc.
Payment options: Annual premium, instalment options (monthly/quarterly/half-yearly) — plan variant ke hisaab se.
✅ Coverage Summary – Inclusions
Hospitalisation (≥ 24 hours) expenses — room, board, ICU, doctor, surgery, drugs, diagnostics. healthstatic.policybazaar.com
Pre-hospitalisation & post-hospitalisation expenses.
Day-care procedures.
Modern treatments & advanced therapies (subject to terms).
Non-medical consumables.
Ambulance (road/air) under conditions.
Restoration of sum insured.
Bonus for claim-free years.
Wellness benefits / health check-ups.
Family floater cover (self + spouse + children + parents/parents-in-law).
Maternity and new-born (in some variants).
🚫 Exclusions & Important Limitations
Waiting periods: Generally initial waiting period ~30 days (except accidents) after policy start. Specific illness waiting (e.g., 2 years), pre-existing disease waiting (e.g., 24-36 months) depending on variant. Ditto+1
Weight control/obesity treatments, cosmetic surgery, vaccination/inoculation (unless therapeutic) are excluded. Policybazaar
Treatment taken outside India typically not covered. Policybazaar
Self-inflicted injuries, alcohol/drug-related treatments, hazardous sports without prior disclosure, congenital external defects (depending on variant) — exclusions apply. policybhandar.com
Some sub-limits apply (though many features are liberal) — e.g., room-rent sub-limit for smaller SI options, co-payment or deductible for older age groups. Beshak
🧠 Why Choose Star Health Assure Plan?
Agar aap chahte hain ek strong, all-round health cover jisme “just hospitalisation” ke alawa bhi bahut saare features ho — toh ye plan very suitable hai.
Unlimited restoration benefit ka hona ek game-changer hai — agar ek policy year me multiple admissions ho jaate hain, tab bhi cover khatam nahi hota.
Claim-free years ka bonus milna motivate karta hai healthy lifestyle maintain karne ke liye.
High sum insured options available hain — jisse future ke expensive treatments ke liye aap prepare ho sakte hain.
Family cover ka flexibility — parents, in-laws, children include karna possible hai.
💬 Example Scenario
Maan lijiye Mr. X, age 40, married, 2 children (ages 10 & 12), apne parents (age 65/62) ko bhi include karna chahte hain. Unhone Star Health Assure plan me Sum Insured Rs. 25 lakh choose kiya, 1-year tenure.
Kuch saal normal rah-rahe, claim nahi hua — toh unhe 25% NCB mila (agar variant ke hisaab se) aur sum insured increment ho gaya. Agar ek din Mr. X kisi surgery ya serious illness ke liye hospitalised hue — say surgery + ICU stay + rehabilitation, unke unlimited restoration aur high cover ka fayda hua. Parents ko bhi cover tha — agar unme se kisi ko emergency aati hai, to same policy mein cover mil raha hai.
Agar policy year ke beech unka SI exhaust ho gaya (treatment cost bahut zyada hogi) — tab bhi restoration activate hoga aur subsequent claim ke liye fresh SI available hogi — ek extra peace of mind.
⚠️ Kuch Tips Aur Dhyan Dene Wali Batein
Policy terms & conditions ko dhyan se padhiye — waiting periods, co-payment/deductible, room rent sub-limits (agar relevant), exclusions etc.
Aapka agent ya broker – credible hona chahiye. Kahi-kahi reviews me claim settlement experience thoda mixed mil raha hai. reddit.com+1
Agar aap parents/elderly include kar rahe hain, to age-based premium increase aur medical history ka impact zaroor samajh lijiye.
Sum Insured select karte waqt future medical inflation ko consider kijiye — aaj ke Rs. 5 lakh ka cover shayad 5-10 saal baad sufficient na ho.
Network hospitals list check kijiye — cashless facility ensure karein.
Renewal discount ya wellness programme ka benefit lena na bhoolen. Example: wellness points accumulate karke renewal premium par discount mil sakta hai.
Policy renewal time pe continuity banaye rakhiye — gaps na hon. Agar porting/cancellation ho, to past waiting periods fir se apply ho sakte hain.
Agar kisi treatment ka plan ho (maternity, new-born, etc), to us variant ke liye required waiting period ko samajh lijiye.
🔍 Summary
Star Health Assure plan ek premium-level health cover hai jo individually ya family floater basis par liya ja sakta hai. Yeh plan “ordinary health insurance” ke beyond hai — jisme modern treatments, high sum insured, restoration of SI, wellness incentives, wide family cover jaise features hain. Agar aap long-term health security chahte hain aur medical cost risk se bachna chahte hain, to ye plan ek strong candidate hai.
Lekin har insurance plan ki tarah – isme bhi waiting periods, exclusions, premium escalation, claim settlement process jaise realities hain – jinko ignore na karein.