To ensure financial security and well-being, Star Women Care Insurance Policy offers a specialized health insurance plan which designed exclusively for women. This policy provides comprehensive coverage for critical illness, maternity benefits as well as other health related expenses.
In today’s emerging world, women can do multiple roles including career, family as well as personal health. So, in this article we are going to discuss about the key features, benefits, eligibility and at last claim process for the Star Women Care Insurance Policy to help you.
What is Star Women Care Insurance Policy?
Star Women Care Insurance Policy is a comprehensive health insurance plan which designed specifically for women, in that policy offers coverage for all kind of hospitalization includes; maternity care (delivery expenses -normal and C-section), pre- and post-natal care, newborn care and also assisted reproduction treatments.
The policy also covers any kind of hospitalization expenses for at least 24 hours; in that including room rent, boarding and nursing charges.
Key Features of Star Women Care Insurance Policy
Critical Illness Cover: It provides lump-sum payouts for some of women-specific critical illnesses as like breast cancer, cervical cancer, and osteoporosis.
Maternity Benefits: This policy includes delivery expenses like normal and C-section, pre and post-natal care, and newborn baby coverage also.
Hospitalization Coverage: Hospitalization coverage covers in-patient hospitalization expenses for a minimum of 24 hours, in that including room rent, boarding, and nursing charges.
Wellness & Preventive Care: It includes free health check-ups, vaccinations as well as some special discounts on wellness programs.
Assisted Reproduction Treatment: This Star women care insurance policy includes coverage for assisted reproduction treatments like; IVF, once per policy year in case of sub-fertility.
Pre and Post-Hospitalization Expenses: In the pre and post-hospitalization includes medical expenses incurred up to 60 days before hospitalization and up to 90 days after the hospitalization discharge.
Mid-term Inclusion: In that you can add a newly married spouse, legally adopted child or newborn baby into the policy during its term by paying an additional premium.
No Claim Bonus: This policy offers no claim bonus, which probably increase the sum insured by 20% each year, up to a maximum of 100%.
Individual and Family Floater Plans: You can choose between individual or family floater plans in that at least one female member is required for the family floater option.
Tax Benefits: In that the premiums you have paid are eligible for tax deductions under the Section 80D of the Income Tax Act.
Benefits of Star Women Care Insurance Policy
There are several benefits of the Star Women Care Insurance Policy. Let’s see the different benefits by using this policy.
Financial Security – With the help of this policy you can get protection against high medical costs whenever you have an emergencies.
Cashless Treatment – Star Women Care Insurance Policy provides hassle-free cashless treatment in the network hospitals across the country.
Lifetime Renewability – In this policy you can get lifetime renewability, ensures life long coverage without any kind of age restrictions.
Free consultations – This policy provides an unlimited gynecologist consultations via their official app star telehealth app.
Comprehensive Health Cover – In this includes critical illness, hospitalization as well as pre and post maternity hospitalization.
Add-on Riders – Add-on riders means you got benefit in the case of personal accident as well as OPD expenses.
Eligibility Criteria for Star Women Care Insurance Policy
Star Women Care Insurance Policy has different eligibility criteria based on specific age and family structure. Here we have a table for Eligibility Criteria for this policy.
| Category | Age Range | Additional Notes |
|---|---|---|
| Adults (Individual/Floater) | 18 – 75 years | At least one female adult must be included in a floater policy, according to Star Health Insurance |
| Dependent Children | 91 days – 25 years | Daughter’s coverage can be extended up to 30 years if unmarried and unemployed |
| Surrogate Mother | Adults 25 – 35 years (proposer must be one of the intending couple) | Proposal must be made 30 days before embryo transfer |
| Oocyte Donor | Adults 25 – 35 years (proposer must be one of the intending couple) | Proposal must be made 30 days before ovarian stimulation |
How to Claim Star Women Care Insurance?
There are two types of claim process for Star Women Care Insurance. In that one is cashless claim process and the another is reimbursement claim process. (Star Women Care Insurance policy hospital list)
Cashless Claim Process: In the cashless claim process just need to inform insurer within 24 hours of the hospitalization. After that submit your required documents at the network hospital of the insurance company. At last, the insurer settles bills directly with the hospital.
Reimbursement Claim Process: In the reimbursement claim process, pay hospital bills upfront. After that, submit claim form with necessary bills, reports as well as discharge summary. Reimbursement takes a time in the whole procedure. It is processed within 15 to 30 days.
Conclusion
Star Women Care Insurance is one of an excellent choice for those women who are looking for financial protection against medical emergencies. It includes all the benefits related any kind of health care.
FAQs
Are cosmetic surgeries covered in the policy?
No, elective cosmetic procedures are not covered.
Can I include my newborn in the policy?
Some policies offer newborn cover for the first 90 days; check with the insurer.
Does Star Women Care Insurance cover pregnancy complications?
Yes, it covers complications like ectopic pregnancy and miscarriages.
