The coverage is an indemnity well being coverage specifically designed to cowl the bills incurred on hospitalization attributable to sickness or accident for patrons who’re 50 years or older.
Star Well being and Allied Insurance coverage, India’s first standalone medical insurance firm, has introduced the launch of Star Well being Premier Insurance coverage Coverage, a novel indemnity well being coverage specifically designed to cowl the bills incurred on hospitalization attributable to sickness or accident for patrons who’re 50 years or older.
The Star Well being Premier Insurance coverage Coverage gives advantages comparable to Dwelling Care Remedy for specified circumstances (as much as 10% of the sum insured topic to a most of Rs.5 lakhs), cowl for inpatient hospitalization bills & day care therapies beneath Ayush Remedy, cowl for historically excluded non-medical gadgets like gloves, meals costs and different consumables throughout hospitalization and canopy for Fashionable Remedies as much as 50% of sum insured both as an inpatient or as a part of day care remedy in a hospital. These options make this product properly fitted to people who find themselves older.
The coverage is obtainable on each Particular person and Floater foundation for adults aged 50 years and above. Until the insured has a pre-existing ailments, is present process medical remedy or has disabilities, there are not any requirement of premedical exams to avail this coverage. Clients should purchase the coverage by way of premiums which will be paid in quarterly or half-yearly installments. The product gives a coverage time period of 1 12 months, 2 years or 3 years.
A number of particular options comparable to midterm inclusions, Outpatient medical bills, Well being check-up profit, all day-care procedures, highway & air ambulance bills, pre and submit – hospitalization bills, organ donor bills, bariatric surgical procedure, cumulative bonus, rehabilitation and ache administration bills, Hospice care and residential care remedy will be availed by way of this coverage.
Key Options of Star Well being Premier Insurance coverage Coverage
· Sum insured obtainable as much as Rs.1,00,00,000 ; Buyer can go for sum insured of Rs.10,00,000, Rs.20,00,000, Rs.30,00,000, Rs.50,00,000, Rs. 75,00,000 and Rs. 1,00,00,000
· Protection – In-patient hospitalization, Day Care remedy, Highway Ambulance, Air Ambulance, Organ Donor Bills, and Pre & Submit hospitalization bills
· Further advantages embody AYUSH Remedy, Rehabilitation and ache administration, Bariatric Surgical procedure, Protection for contemporary therapies, Homecare remedy, Hospice Care, Medical and Tele-Well being consultations.
· Covers the Outpatient medical bills from day one
· Automated Restoration of Primary Sum Insured as soon as by 100% upon partial or full utilization of the sum insured.
· Long run low cost – For two 12 months policy-10% low cost on 2nd 12 months premium. For 3 12 months coverage – 11.25% low cost on 2nd and third 12 months premium
· Well being Test-up profit for each declare free 12 months
· Pre-Hospitalization bills overlaying Medical bills incurred as much as 60 days instantly earlier than the insured individual is hospitalized.
· Submit Hospitalization Bills overlaying medical bills incurred as much as 90 days instantly after the insured individual is discharged from the hospital
· Cumulative bonus of 20% of the expiring sum insured for every claim-free 12 months as much as a most of 100% of the fundamental sum insured
· Dwelling care remedy for the desired circumstances upto 10% of the sum insured is topic to a most of Rs.5 lakhs
· Hospice Care: Payable as much as 10% of the sum insured topic to a most of Rs.5 lakhs, if availed at our Networked facility, payable as soon as in life time for every Insured individual.
· Domiciliary Hospitalization: Protection for medical remedy (Together with AYUSH) for a interval exceeding three days, for an sickness/illness/harm, which within the regular course, would require care and remedy at a Hospital however, on the recommendation of the attending Medical Practitioner, is taken while confined at residence
· Ayush Remedy overlaying Inpatient Hospitalization bills and day care therapies as much as the sum insured
· Covers Non-Medical gadgets (Consumables) like gloves, meals costs and different consumables throughout hospitalization
· Fashionable Remedy covers as much as 50% of sum insured both as an inpatient or as a part of day care remedy in a hospital
· Star Wellness Program incentivizes and rewards the insured individual by way of varied wellness actions. The insured individual can earn wellness reward factors to get a reduction in premium. This Wellness Program is enabled and administered on-line by way of Star Wellness Platform by way of Star Well being Buyer Mobile app ‘Star Energy’ and thru ‘Star Well being Buyer Portal’ (digital platform).