Star Health Women Care Insurance Policy

Since the plan is packed with some of the most unique features and benefits, it’s an ideal choice for a woman. Some of these features and benefits are discussed below:

• Long-Term Discount: In case an individual chooses a 2- or 3-year premium, he/she will get a 10% and 11.25% discount respectively.

• No Pre-Acceptance Medical Screening: Female applicants for the plan are not required to have a pre-acceptance medical examination.

• Instalment Facility: The premiums for the plan can be paid quarterly, half-yearly, annually, biennially, and triennially. There will be loading for the payment mode as described below and the annual premium will be subject to this loading:

• • Quarterly: 3%
  • Half-Yearly: 2%

• Mid-Term Inclusion: The newlywed spouse, infant, and/or legally adopted child may be covered by the policy for an extra cost. The waiting periods will start to apply on the day that new joiners are included.

• Automatic Restoration Of Sum Insured: The sum insured will be automatically restored once by 100%, subject to the following conditions:

• • The automatic restoration will occur immediately upon partial or complete utilization of the coverage limit.

• • During the policy period, all claims for subsequent hospitalizations may be paid using this Restored Sum Insured.

• • The company’s aggregate liability in any one claim during any insurance year shall not exceed the amount of coverage.

• • The restored sum insured that has not been used cannot be carried over.

• Cumulative Bonus: From the second year on, the insured would be eligible to receive a bonus equal to 20% of the expiring sum insured for each claim-free year of insurance. The maximum bonus permitted may not exceed 100%.

• Preventive Health Check-Up: Under the terms of this policy, the insured will also be qualified for an annual preventive health checkup.

• Wellness Benefits: By awarding wellness points to the insured for adopting healthy behaviors through a variety of wellness activities, the Star Wellness Benefit encourages a healthy lifestyle. The discount on the premium will increase as the wellness points do.

• Extensive Maternity Benefits: Up to the limits specified in the policy clause, delivery costs, including those associated with normal and cesarean sections (both pre-natal and post-natal), and other wide range of maternity-related expenses are covered under the policy.

• Lump Sum On Diagnosis Of Cancer: If the insured individual has cancer for the first time, the company will pay the amount they choose for a lump sum. This benefit comes in the form of an optional cover that can be availed of by paying some extra premium amount.

• Portability Option: According to IRDAI portability guidelines, the insured person will have the option to port the policy to other insurers along with all of the family members, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date.