Star Women Care Insurance Policy
Star Women Care Insurance Policy is a comprehensive health insurance plan designed specifically to cater to the unique healthcare needs of women. This policy offers a wide range of benefits and coverage options to ensure the well-being and financial security of women at every stage of their lives. Whether it's preventive care, maternity coverage, or critical illness protection, Star Women Care Insurance Policy provides women with the necessary assurance and support. Let's explore the key features and benefits of this policy in detail.
Highlights of Star Women Care Insurance Policy
Below are the specifications of the Star Women Care Insurance Policy from Star Health Insurance:
| Particulars | Specifications |
|---|---|
| Entry Age | Individuals: 18 to 75 years Family Floater: Adult 18 years to 75 years (with min. 1 female adult) |
| Renewability | Lifelong |
| Policy Type | Individual and Family Floater |
| Sum Insured | INR 5L, INR 10L, INR 15L, INR 20L, INR 25L, INR 50L, INR 1Cr |
| Policy Term | 1, 2, 3 Years |
| Waiting Period for Pre-Existing Disease | 36 months |
Eligibilities to buy Star Women Care Insurance Policy
Below is the eligibility of the Star Women Care Insurance policy:
-
Entry Age
Entry Age: 18 Years to 75 years Policy Term: 1,2,3 Years
-
Family Floater
Entry Age: 18 Years to 75 years
No. of Covered Members: 5 Members
Allowed Relation: 2A+3C -
Surrogate Mother
Entry Age: Adults 25 years to 35 years (Proposer has to be one of the intending couples)
-
Oocyte Donor
Entry Age: Adults 25 years to 35 years (Proposer has to be one of the intending couples)
-
Dependent Children
Entry Age: 91 days to 25 years for all children.
Daughter Can Continue as a dependent child if un-married and/or un-employed beyond 25 yrs and max up to 30 yrs, and beyond 30 yrs she will be treated as an Adult
Quick Links
Coverage Benefits Offered Under Star Women Care Insurance Policy
Star Women Care Insurance Policy offers a range of coverage benefits tailored to address the specific healthcare needs of women. The policy provides comprehensive coverage for various aspects of women's health and well-being. Here are the coverage benefits typically offered under the Star Women Care Insurance Policy:
- 5 Lac
- 10 Lac
- 15 Lac
- 20 Lac
- 25 Lac
- 50 Lac
- 1 Cr
Room Rent
1% of Sum Insured, or Maximum up to INR 20K
Any Room (except suite or above category)
Any Room (except suite or above category)
Any Room (except suite or above category)
Any Room (except suite or above category)
Any Room
Any Room
OPD Charges
Covered up to INR 2.5K
Covered up to INR 2.5K
Covered up to INR 2.5K
Covered up to INR 3.5K
Covered up to INR 3.5K
Covered up to INR 5K
Covered up to INR 5K
Maternity Cover
Covered up to INR 25K
Covered up to INR 50K
Covered up to INR 50K
Covered up to INR 50K
Covered up to INR 75K
Covered up to INR 75K
Covered up to INR 1 Lakh
Modern Treatment
Covered up to 50% of Sum Insured
Covered up to 50% of Sum Insured
Covered up to 50% of Sum Insured
Covered up to 40% of Sum Insured
Covered up to 40% of Sum Insured
Covered up to 40% of Sum Insured
Covered up to 30% of Sum Insured
Vaccination Cover for NewBorn
Covered up to INR 2.5K
Covered up to INR 2.5K
Covered up to INR 3.5K
Covered up to INR 3.5K
Covered up to INR 3.5K
Covered up to INR 3.5K
Covered up to INR 3.5K
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 Days
Post-Hospitalization
Covered up to 90 Days
Daycare Treatments
All Daycare Treatments Covered
Cataract
Covered after 24 months of waiting period
No Claim Bonus
Available up to 20% of SI for every claim free year
Automatic Restoration
100% of SI once a year
Organ Donor
Covered
New Born Baby Cover
Covered up to 25% of SI
AYUSH Treatment
Covered up to Sum Insured
IVF Treatment
Covered
Ambulance Cover
Covered up to Sum Insured
Air Ambulance Cover
Air Ambulance Cover
Health Checkup
Covered up to Sum Insured
Second Medical Opinion
Available
Sub-Limit
Applied on Modern Treatments
Star Women Care Insurance Policy Exclusion
Below is the list of diseases and conditions that are not covered under the Star Women Care Insurance Policy:
- Mental illness
- Intentional self-injury
- Change of Gender
- Cosmetic & aesthetic treatment
- AIDS
- Dental surgery
- Hospitalization due to war, strikes, riots, and nuclear weapons.
- Congenital disease
- Miscarriage and abortion
Network Hospitals
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
- Initial Waiting Period: 30 Days
- Waiting Period for Pre-existing Period: 24 Months
- Listed Ailments: 24 Months
- New Born Baby Cover: 90 Days
- Delivery Expenses: 12 Months for up to 10 Lakh of Sum Insured, 24 Months for up to 15 Lakh and above
- Assisted Reproduction Treatment: 36 Months
- Ante Natal Care: 12 Months for up to 10 Lakh of Sum Insured, 24 Months for up to 15 Lakh and above
- In Utero Fetal Surgery/Repair: 12 Months for up to 10 Lakh of Sum Insured, 24 Months for up to 15 Lakh and above
- Miscarriage Due to an Accident: 12 Months for up to 10 Lakh of Sum Insured, 24 Months for up to 15 Lakh and above
- Bariatric Surgery: 24 Months
- Voluntary Sterilization: 24 Months
- Cancer Cover: 180 Days
Star Women Care Policy Additional Benefits
Star Women Care Policy goes beyond essential maternity and hospitalization coverage and offers a host of additional benefits to enhance your health protection. Let's delve deeper into these valuable features:
Midterm Inclusion
Star Women Care Insurance Plan comes with a feature called Midterm Inclusion. You can add your newlywed spouse or newborn baby to your Star comprehensive insurance policy by paying an additional premium.
Assisted Reproduction Treatment
Star Women Care Insurance Plan will provide assisted reproduction treatment after a waiting period of 36 months from the date of the first inception of this policy. The insured will get one Assisted Reproduction Treatment cycle for each policy year.
| Sum Insured | Coverage Benefit Limit |
|---|---|
| INR 5 Lakh | INR 50K |
| INR 10 Lakh | INR 1 Lakh |
| INR 15 Lakh | INR 1.5 Lakh |
| INR 20 to 25 Lakh | INR 2 Lakh |
| INR 50 Lakh | INR 2.5 Lakh |
| INR 1 Cr | INR 3 Lakh |
Bariatric Surgery
The Star Women Care Insurance plan covers the hospitalization for bariatric surgical procedures and their complications up to the limits mentioned in the table given below during the policy period.
| Sum Insured | Coverage Benefit Limit |
|---|---|
| INR 5 Lakh to INR 15 Lakh | INR 2.5 Lakh |
| Above INR 15 Lakh | INR 5 Lakh |
Ante-Natal Care (Pregnancy Care)
Star Women Care Insurance Plan covers the expenses for Ante-natal care after confirmation of Pregnancy, incurred as an Out-patient up to the limits given below:
| Sum Insured | Coverage Benefit Limit |
|---|---|
| INR 5 Lakh to INR 15 Lakh | INR 2.5 Lakh |
| Above INR 15 Lakh | INR 5 Lakh |
Miscarriage Due to Accident
Star Women Care Plan will pay the lump sum amount to the insured person as per the table given below towards a miscarriage that happens due to an accident.
| Sum Insured | Coverage Benefit Limit |
|---|---|
| INR 5 Lakh to INR 15 Lakh | INR 25 Lakh |
| INR 20 Lakh to INR 25 Lakh | INR 35K |
| INR 50 Lakh to INR 1 Cr | INR 40K |
Preventive Health Checkup
Star Women Care Insurance Policy covers the expenses incurred towards the cost of preventive health check-ups for the medical tests mentioned in the table below:
| Gender | Benefit Description | Limit Per Policy | Tests |
|---|---|---|---|
| Female | Adolescent Puberty Age: 13 - 19 yrs | INR 1K | USG Abdomen |
| Female | Adult Reproductive Age: 20-39 yrs | INR 3K | PAP, Thyroid profile, USG Abdomen, Vitamin D |
| Female | Middle-Aged Menopausal Age: 40 - 59 yrs | INR 5K | Sonomamog ram, PAP, Dexa Scan, USG Abdomen |
| Female | Sr Citizens Age: 60 yrs and above | INR 4K | PAP, Dexa Scan, USG Abdomen |
| Male | Any Age | INR 1K | Any Tests |
In Utero Fetal Surgery/Repair
Star Women Care Insurance Plan will cover expenses incurred for Utero Fetal Surgeries and Procedures. Below are the types of in-utero fetal surgery covered under the Star Women Care Plan:
- Open Fetal Surgery
- Fetendo Fetal Surgery
- Fetal Image-Guided Surgery (FIGS-IT)
- EXIT procedure
| Type of Intervention | Description | Surgeries |
|---|---|---|
| OPEN SURGERY | Hysterotomy |
|
| FETENDO | Fetoscopic Surgery |
|
| FIGS | Fetal Image Guided Surgery |
|
| EXIT procedure | Planned Specialized Delivery |
|
List Of Procedures Covered Under In-Utero Surgeries
Bronchopulmonary sequestration of the lung
Amniotic band syndrome
Congenital diaphragmatic hernia (CDH)
Congenital cystic adenomatoid malformation (CCAM) of the lung
Fetal anemia
Congenital high airway obstruction syndrome (CHAOS)
Neck mass
Lower urinary tract obstruction (LUTO)
Mediastinal teratoma
Spina bifida (myelomeningocele)
Sacrococcygeal teratoma (SCT)
Twin-twin transfusion syndrome (TTTS)
Twin reversed arterial perfusion (TRAP) sequence
Rehabilitation and Pain Management
The Star Women Care Insurance Policy will cover the medical expenses incurred for Rehabilitation and Pain Management up to the maximum of up to 10% of the sum insured.
-
Rehabilitation
The Star Women Care Plan will cover the expenses for rehabilitation if the insured person is taking treatment at authorized centres as an In-patient/Out-patient. Below are the specific diseases or illnesses that are covered under this plan for in-patient hospitalization:
- Poly Trauma
- Head injury
- Diseases of the spine
- Stroke
-
Pain Management:
The Star Women Care Insurance Plan will cover the treatment of pain management up to 10% of the sum insured.
Star Wellness Program
The Star Women Care Plan rewards the insured's healthy lifestyle through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. The discount on premiums offered by the Wellness Program is displayed in the following table:
| Wellness Points | Discount in Premiums |
|---|---|
| 200 to 350 | 2% |
| 351 to 600 | 5% |
| 601 to 750 | 7% |
| 751 to 1000 | 10% |
Lump sum on diagnosis of Cancer (As an Add-on Rider)
The insured person will get a lump sum amount if she contracts cancer for the first time. This add-on is only available only for the 5/10/15/20 and 25 lacs sum insured. Moreover, this benefit is only available on an individual basis. The entry age of an insured female person should be 91 days to 65 years.
Talk to Star
The insured person can get a free consultation from specialist doctors through phone, chat or video call by dialling 7676905905.
COVID-19 Helpline
Insured persons can get free COVID-19 consultation from star health insurance health experts between 8 AM and 10 PM. Just call them at 7676905905 in case of Covid 19.
E-Pharmacy
Insured persons can order medicines online at discounted prices. Star Health Insurance has various medicine stores across 2,780 cities, offering home delivery and store pick-up.
Diagnostics Centers
Insured persons can access 1,635 diagnostic centres across the country. Star Health Insurance also provides home pickup of lab samples and health checkups to the insured person at the doorstep facility.
Explore More About Star Women Care Insurance Policy
Check the below section to learn more about the star health insurance buying process, star health insurance claim settlement process, star health insurance renewal process.