Star Health Assure Insurance Policy is imbued with many new-age features and wider benefits which covers the expenses incurred on hospitalization due to Illness or Accident on individual and floater basis. Coverages like Automatic Restoration of Sum Insured for unlimited number of times in a policy year, wellness discount up to 20%, the inclusion of up to 9 members of a family under family floater and Sum Insured option up to Rs.2 Crore make this policy the need of the hour to overcome the medical contingencies of future. 

Eligibility 

1. Floater Sum Insured ·

For Adults – Minimum - 18 years & Maximum - Up to 75 years

For Dependent Children - Minimum - 16 days & Maximum - Up to 17 years ·

In case of dependent children, at the time of renewal when they become 18 yrs of age, 

such   children will be considered as Adult and he/she can continue under floater sum          insured  till he/she gets married

1. Individual Sum Insured·

 Minimum - 91 days and Maximum upto 75 years. 

For Children - Provided Good Health declaration, Pediatrician Opinion and the proposal should be routed through our Central Medical Underwriting Team

Family Definition:Self + Spouse + Children + Parents + Parents-in-law 

Maximum Family Size Covered under Floater Sum Insured: 6 Adults + 3 Children (6 Adults = Self + Spouse + Parents + Parents-in-law) however the family size can be 9 Adults, if children covered under floater sum insured are above 17 years of age 

Policy Term:One year / Two years / Three years: For policies more than one year, the Sum Insured is for each year, without any carry over benefit thereof.

Note: Where the policy is issued for more than 1 year, the Sum Insured including sub-limits are without any carry over benefit thereof. The said benefits / covers available for the 2nd year or 3rd year cannot be utilized in the 1st year itself 

Discounts 

1. Floater discount 

For Child- 40% discount is available from 1 Premium when he/she becomes 18yrs at the time of renewal in floater policy 

For Parent/Parent in law - 10% discount is available from 1 Premium for each parent when they come under floater policy

1. Long term discount: Incase 2 year policy term 10% discount is available on 2nd year premium and Incase 3 year policy term 10% discount is available on 2nd and 3rd year premium.  Type of Policy: Individual sum insured and Floater sum insured 

Sum Insured Options: Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/-, Rs.25,00,000/-, Rs.50,00,000/-, Rs75,00,000/-, Rs.1,00,00,000/- and Rs.2,00,00,000/-

 Note: Sum insured upto Rs.2,00,00,000/- is available for the persons entering upto 65 years and their renewals. For persons entering above 65 years the sum insured is restricted to Rs.50,00,000/- even for renewals.