Star Hospital Cash Insurance Policy
UIN:SHAHLIP20046V011920
Lumpsum benefit for Hospitalization
Health insurance policy that provides lumpsum benefit for the period of hospitalization.
Plans offered
Plans offered : Basic Plan / Enhanced Plan
Sum Insured & Policy Term
Sum Insured Type : Individual and Floater Policy term: One year / Two year / Three year
Day care procedures
10 Day care covered. Day care treatments can be availed for five times in a policy year.
Hospital Cash Amount ( Per Day)
Basic Plan – 1000/,2000/ & 3000/- Enhanced Plan – 3000/, 4000/ & 5000/-
Number of Hospital Cash Days
Basic Plan-30 days/ 60 days / 90 days / 120 days / 180 days Enhanced Plan-90 days / 120 days / 180 days
Benefits
Sl. No. | Name of the Benefit | Basic Plan | Enhanced Plan |
|---|---|---|---|
| 01 | Sickness Hospital Cash | Hospital Cash Amount (per day) for maximum number of days chosen by the insured. Deductible: One day deductible is applicable. | Hospital Cash Amount (per day) for maximum number of days chosen by the insured. Deductible: No Deductible |
| 02 | Accident Hospital Cash | Up to 150% of the Hospital Cash Amount (per day) for a maximum number of days chosen by the insured | Up to 150% of the Hospital Cash Amount (per day) for a maximum number of days chosen by the insured |
| 03 | ICU Hospital Cash due to Sickness and / or Injury | Up to 200% of the Hospital Cash Amount (per day) chosen by the insured. Where the policy is issued on Individual Basis, ICU Hospital Cash is payable for a maximum of 30 days only in a policy year. Where the policy is issued on Floater Basis, ICU Hospital Cash is payable for a maximum of 90 days only in a policy year | Up to 200% of the Hospital Cash Amount (per day) chosen by the insured. Where the policy is issued on Individual Basis, ICU Hospital Cash is payable for a maximum of 30 days only in a policy year. Where the policy is issued on Floater Basis, ICU Hospital Cash is payable for a maximum of 90 days only in a policy year |
| 04 | Convalescence Hospital Cash | Not Available | If Hospitalization is beyond 5 days one day additional Hospital Cash amount is given as Convalescence Cash Benefit. |
| 05 | Child Birth Hospital Cash | Not Available | Available. Note : This benefit is subject to a waiting period of 2 years from the first commencement of this (Star Hospital Cash Insurance Policy). Only female insured persons are eligible for this benefit |
| 06 | Worldwide Hospital Cash | Not Available | If the Insured Person is Hospitalized outside India for treatment of Illness or Injury, 200% Hospital Cash Amount chosen by the insured person is payable. |
WAITING PERIODS:
The Company shall not be liable under this policy directly or indirectly for:
Basic Plan | Enhanced Plan |
|---|---|
| 30 days waiting period (other than accidents) | 30 days waiting period (other than accidents) |
| 24 months for specified illness/disease/treatment | 24 months for specified illness/disease/treatments |
| 36 months for pre-existing disease. | 24 months for pre-existing disease. |
Eligibility
- Age at entry 18 years and 65 years
- Family means Self, Spouse, Dependent children up to 25 years of age
General Terms
TAX BENEFITS: Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
FREE LOOK PERIOD: A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions (Not Applicable for Renewals).
GRACE PERIOD FOR RENEWAL: 30 days from date of expiry of policy.
NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.