Star Young Star Plan
🌟 Introduction
Star Health Insurance ka Young Star Insurance Policy ek specially designed health insurance plan hai jo young adults ke liye tailored hai. Yeh policy un logon ke liye ideal hai jo apni health ko priority dena chahte hain aur unhe ek comprehensive aur affordable health insurance solution ki talash hai. Is policy mein aapko hospitalization se lekar wellness benefits tak ki coverage milti hai.
🛡️ Key Features
Policy Type: Individual aur Family Floater
Entry Age: 18 se 40 saal tak
Policy Term: 1 saal, 2 saal, ya 3 saal
Sum Insured Options: ₹5 lakh se ₹1 crore tak
Premium Payment Options: Monthly, Quarterly, Half-Yearly, Annually, Biennial (2 saal), Triennial (3 saal)
No Pre-Acceptance Medical Screening: Policy lene se pehle koi medical test ki zarurat nahi hai
Loyalty Discount: Agar aap policy ko 36 saal se pehle lete hain aur 40 saal ke baad renew karte hain, to 10% ka discount milta hai
✅ Coverage Details
1. Hospitalization Expenses
Room Rent: Single Private A/C Room
ICU Charges: Coverage available
Doctor’s Fees: Surgeon, anesthetist, aur consultant ki fees cover hoti hai
Pre and Post-Hospitalization: Hospitalization se pehle 30 din aur hospital discharge ke baad 60 din tak ke medical expenses cover hote hain
2. Day Care Procedures
Coverage: 24 ghante se kam time mein complete hone wale 400+ daycare procedures cover hote hain
3. 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
4. AYUSH Treatment
Coverage: Ayurveda, Yoga, Naturopathy, Unani, Siddha, aur Homeopathy treatments ki expenses cover hoti hain, agar treatment hospital mein ho
5. Maternity Benefits
Coverage: Delivery expenses, including pre-natal aur post-natal care, cover hoti hain
Limit: ₹50,000 tak per policy period, maximum 2 deliveries tak
6. New Born Baby Cover
Coverage: New born baby ko bhi policy ke under cover milta hai, including vaccination aur medical emergencies
7. Automatic Restoration
Restoration: Agar sum insured exhaust ho jata hai, to 100% automatic restoration milta hai, aur yeh unlimited times ho sakta hai
8. Cumulative Bonus
Bonus: Har claim-free year ke liye 10% ka bonus milta hai, jo maximum 100% tak accumulate ho sakta hai
💡 Additional Benefits
Star Wellness Program: Yeh program insured persons ko healthy lifestyle adopt karne ke liye incentivize karta hai. Wellness activities complete karne par wellness points milte hain, jo premium discount ke liye redeem kiye ja sakte hain Star Health.
Buy-Back PED Cover: Agar aap pre-existing diseases ko cover karwana chahte hain, to buy-back PED cover ka option available hai, jisse waiting period reduce ho sakta hai Star Health.
Mid-Term Inclusion: Policy ke beech mein bhi aap apne newly married spouse, legally adopted child, ya new born baby ko policy mein include kar sakte hain Star Health.
Tax Benefits: Premiums par 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: ₹400 per month
₹10 Lakh Sum Insured: ₹541 per month
₹1 Crore Sum Insured: ₹762 per month
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 Young Star Insurance Policy un logon ke liye ek valuable option hai jo apni health ko priority dena chahte hain aur unhe ek comprehensive aur affordable health insurance solution ki talash hai. Yeh policy aapko hospitalization, daycare procedures, modern treatments, maternity benefits, aur wellness programs ke through financial protection deti hai. Agar aap apni health ko stress-free aur financially secure banana chahte hain, to yeh policy aapke liye beneficial ho sakti hai