Star Health Assure is a comprehensive indemnity health insurance policy introduced by Star Health & Allied Insurance. Designed to provide robust protection for individuals and families, it offers wide-ranging coverage including hospitalization, pre-and post-hospitalization, daycare procedures, domiciliary treatment, organ donor expenses, ambulance, and wellness benefits. With flexible sum-insured options ranging from â¹5 lakh to â¹2 crore and both individual and floater variants, this plan is suitable for people aged between 16 days and 75 years. Its auto-refill feature boosts the sum insured automatically when required, making it a full-spectrum solution for health and financial security.
Key Coverage Highlights
- Hospitalization expenses due to illness or accident
- Pre- (up to 60 days) and post-hospitalization (up to 90 days) costs
- Daycare procedures and domiciliary (home-based) treatment
- Organ donor treatment including donor’s medical expenses
- Ambulance charges and non-medical hospital expenses
- Wellness benefits and annual health check-ups
- Automatic refill of sum insured any number of times during the policy year
Sum Insured and Eligibility
Available sum-insured slabs range from â¹5 lakh up to â¹2 crore, depending on age and plan type:
- â¹5¯L-â¹25¯L: open to all ages (16 days-75 years)
- â¹50¯L-â¹2¯Cr: available for entry ages up to 65 years, renewable thereafter
Policy Types & Variants
The policy can be purchased as either:
- Individual Plan– Covers a single person
- Family Floater Plan– Covers multiple family members under a shared sum insured
Additional top-up options allow further coverage enhancements.
Cost Sharing & Discounts
Co-payment and premium structures include:
- 10% co-payment on claims for insured aged 61 and above
- Premium discounts for 2 and 3year policy terms
- Floater discounts for insuring multiple family members
No Limit on Room Rent & ICU
This policy does not impose sub-limits on room rent or ICU expenses (excluding suites), ensuring full coverage up to the chosen sum insured. This provides policyholders flexibility to select their preferred room category without worrying about additional burden.
Entry Requirements & Renewability
- Ages 16 days-75 years at entry
- Pre-policy medical check-ups required only for those with declared health conditions
- Lifetime renewability even after age 75
Exclusions and Waiting Periods
Standard exclusions apply, including:
- Non-hospitalization diagnostic expenses
- Pregnancy, infertility, and related treatments
- Treatment outside India
Waiting periods may include 30 days for standard illnesses and 2-4 years for specific conditions, per the policy wording.
Wellness Add-ons and Value Benefits
- Annual wellness check-ups
- Health management programs
- Access to health resources and preventive care initiatives
Ideal For
- Families looking for high-value comprehensive healthcare cover
- Senior citizens seeking lifetime renewability
- Policyholders who value flexibility in room and ICU facility
- Individuals who want automatic refill of sum insured
Star Health Assure stands out as an all-encompassing health insurance plan that combines extensive coverage, flexible options, and long-term benefits. Whether you are an individual, a family, or a senior citizen, it offers a trustworthy shield against rising medical expenses and promotes healthier living through wellness benefits. With its automatic refill mechanism and no room rent caps, this policy is an excellent choice for comprehensive, worry-free healthcare coverage.