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Star Unique Health


Star Health brings you this Unique insurance policy with unique benefits for - coverage for both future ailments / diseases and for pre existing diseases / conditions.
Pre- Medical screening
There is no pre acceptance medical screening.
Pre-Existing Diseases / Illness
Pre-Existing Disease/ Condition (other than those diseases / conditions for which specific periods have been mentioned under exclusions) will be covered after 11 months of continuous coverage have elapsed, since inception of this policy with the Company.
Policy Benefits
Hospitalization Cover :
In-patient hospitalisation for a minimum of 24 hours.
  Expenses covered are:
Room rent, Boarding and Nursing Expenses @ 1% of sum insured subject to a maximum of Rs.3000/- per day.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.
Anaesthesia, Blood, Oxygen, Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, cost of Pacemaker and similar expenses.
Emergency ambulance charges for tranporting the insured person upto a sum of Rs.750/- per hospitalisation and overall limit of Rs.1500/- per policy period.
Pre-Hospitalization & Post-Hospitalization
Pre-hospitalization medical expenses upto 30 days prior to the date of admission.
Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/-.
HIV positive persons
Covers HIV positive persons except for opportunistic infections and treatment for HIV / AIDS. The minimum CD 4 count at the time of entry should be 350.
Non Allopathic Treatments
Upto 25% of sum insured subject to a maximum of Rs.25000/- per occurrence, per year of insurance.
Any person aged between 18 years and 65 years residing in India. Renewals would be accepted upto 70 years.
Beyond 70 years renewals would be provided under any other health insurance policy of the company.
Policy Period
This is a two year policy. The sum insured and sub limits are for each year of insurance and cannot be cumulated or carried forward.
Payment of premium
The premium under the policy can be paid in 2 instalments as indicated.
The first instalment is payable at the commencement of the policy. The second instalment is payable at the beginning of the second year of the policy. Where a claim is made before such instalment falls due then the same would be recovered from the eligible claim amount.
The policy would lapse if the instalment is not paid on or before the due date.
Annual Policy Premium (Service Tax Extra)
Applicable for offices in Ahmedabad, Bangalore, Mumbai (including Thane) and New Delhi (including Faridabad, Gurgaon & Noida)
Sum Insured Options (Rs) Sub-limit for PED Cover(Rs) 18 yrs - 25 yrs 26 yrs - 40 yrs 41 yrs - 55 yrs 56 yrs - 60 yrs 61 yrs - 65 yrs 66 yrs - 70 yrs
100000 50000 5880 6720 10080 11760 14170 16100
200000 100000 7585 9840 14760 17220 20745 23575
300000 150000 10625 13800 20010 22770 23805 26450
Applicable for offices in rest of India
Sum Insured Options (Rs) Sub-limit for PED Cover(Rs) 18 yrs - 25 yrs 26 yrs - 40 yrs 41 yrs - 55 yrs 56 yrs - 60 yrs 61 yrs - 65 yrs 66 yrs - 70 yrs
100000 50000 4900 5600 8400 9800 12320 14000
200000 100000 6320 8200 12300 14350 18040 20500
300000 150000 8855 11500 16675 18975 20700 23000
Note : Premium figures are excluding Service Tax.
Note : The sum insured is for each year of insurance and cannot be cumulated or carried forward
Tax Benefits
Payment of premium by any mode other than cash for insurance under this policy is eligible for relief under section 80D of the Income Tax Act
What cannot be claimed?
Treatment of disease/sickness/illness contracted by the Insured Person during the first 30days from the commencement date of the policy.
First two Years exclusions : Cataract, Hysterectomy (abdominal and Vaginal), Dysfunctional Uterine Bleeding (DUB) Fibroid Uterus, Prolapsed Uterus, Myomectomy, Cystectomy, Treatment of Internal Derangement of Knee (other than caused by an accident), Treatment for Joints (other than caused by an accident), other Arthroscopic procedures, Inter-Vertebral Disc Prolapse (other than caused by accident), Degenerative Vertebral and Disc diseases, Varicose veins and Varicose ulcers, Thyroiditis, Treatment of Goitre, Tympnoplasty, Mastoidectomy Glaucoma. These are not payable irrespective of whether they are Pre-Existing or not.
First year exlusions : Deviated Nasal Septum, Benign Prostate Hypertrophy, Hernia, Hydrocele, Congenital Internal diseases/defects, Fistula in anus, Piles, Fissure in anus, Sinusitis, and related disorders, Nasal Polyps ,Post trauma non union / mal union, Cholecystectomy, Gall Bladder Calculi and Renal Calculi If any of these are Pre-Existing they will be covered after 24 months of continous insurance with the Company.
During the first 48 months of continuous operation of this Insurance cover the expenses on Stapedectomy, Bone marrow transplant, Cirrhosis of liver with or without portal Hypertension, Hepatitis, Loss of vision partial / total including Retinopathy, Retinal Detachment, Macular degeneration and Papill Oedema, all types of Cancer, Nephropathy and Chronic Kidney diseases and Implant Removal shall not be payable if these are Pre-Existing at the commencement of this insurance.
30% of admissible claim amount, in respect of each and evey claim. This co-payment shall apply on the applicable sub-limits Wherever provided.
Naturopathy treatment
Expenses which are purely diagnostic in nature with no positive existence of any disease
Expenses which are mainly cosmetic in nature
Claims Procedure
Call the 24 hour help-line for assistance - 1800 425 2255
Inform the ID number for easy reference
In case of planned hospitalization inform 24 hours prior to admission in the hospital
In case of emergency hospitalization information to be given within 24 hours after hospitalization
Cashless facility can be availed in all net-work hospitals
In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents.
Star Advantages
No Third Party Administrator; direct in-house claims settlement
Faster & hassle-free claim settlement
Cashless hospitalization
Network of more than 4900 hospitals across India
24x7 Toll- free Helpline
Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices.
Free Health magazines are issued to policy holders at regular intervals
NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact your nearest Star Health office.

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