Star Super Star Plan
🌟 Introduction
Star Health Insurance ka Super Star Plan ek advanced aur customizable health insurance policy hai, jo aapke aur aapke parivaar ke liye comprehensive coverage provide karta hai. Yeh plan un logon ke liye ideal hai jo apni health ko priority dena chahte hain aur unhe ek flexible aur long-term health insurance solution ki talash hai.
🛡️ Key Features
Policy Type: Individual aur Family Floater
Entry Age: 18 se 65 saal tak
Policy Term: 5 saal (long-term)
Sum Insured Options: ₹5 lakh se ₹1 crore tak, aur Unlimited bhi
Premium Payment Options: Monthly, Quarterly, Half-Yearly, Annually
No Pre-Acceptance Medical Screening: Policy lene se pehle koi medical test ki zarurat nahi hai
✅ Coverage Details
1. Hospitalization Expenses
Room Rent: Kisi bhi room category 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 90 din aur hospital discharge ke baad 180 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. Air Ambulance
Coverage: Hospitalization claim ke case mein ₹5 lakh tak ka air ambulance cover milta hai
6. Limitless Care
Coverage: Ek lifetime mein ek baar ke liye, kisi bhi ek claim ke liye unlimited coverage milta hai
7. Cumulative Bonus
Bonus: Har claim-free year ke liye 50% ka bonus milta hai, jo maximum 100% tak accumulate ho sakta hai
8. Automatic Restoration
Restoration: Agar sum insured exhaust ho jata hai, to 100% automatic restoration milta hai, aur yeh unlimited times ho sakta hai
💡 Additional Benefits
Freeze Your Age: Policy lene par aapka age freeze ho jata hai, aur premium wahi age ke hisaab se renew hota hai, jab tak aap claim nahi karte
Wellness Discount: Wellness activities complete karne par renewal premium par up to 20% ka discount milta hai
Early Renewal Discount: Agar aap apni policy ko early renew karte hain, to 2.5% se 16% tak ka discount milta hai
Co-terminus Discount: Agar aap apne parents ke liye bhi policy lete hain, to unke premium par 7.5% ka discount milta hai
CIBIL Score Discount: Agar aapka CIBIL score achha hai, to premium par up to 15% ka discount mil sakta 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: ₹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 Super Star Plan un logon ke liye ek valuable option hai jo apni health ko priority dena chahte hain aur unhe ek flexible aur long-term health insurance solution ki talash hai. Yeh policy aapko comprehensive coverage, advanced treatments, aur multiple benefits 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