Star Health Insurance introduces a health care policy for women covering all the necessary medical expenses. This plan is for women aged 18 years and above. The maximum entry age under this Star Health Plan is 75 years. And don’t worry, the insured can also cover their family members such as dependent children and spouses. Pregnant women can also buy this policy by providing reports prepared by Star Health-specified scan centers. The company provides coverage up to INR 1 Crore under Star Women Care Insurance Policy. Read this page below to learn more about the policy benefits.
What are the Benefits of Buying Star Women Care Insurance Policy?
When you buy Star Women Care Insurance Policy, the following benefits are available to you –
The company will pay for the room, boarding and nursing up to 1% of your chosen sum
Insured. And the policy will cover it per day based on the total number of continuous stays in the hospital. This coverage is subject to a maximum of INR 20,000 per day.
Star Mother Cover
If your child is aged below 12 years, the insurance company shall cover a Single Private A/c room in the hospital. This benefit is payable if your child is under treatment in ICU. If the room is not available in the same hospital in which your child is admitted, the INR 2,500 is reimbursed per day, up to seven days for your stay in the hotel room, provided the hotel is within 2km from the hospital.
Other Necessary Medical Expenses Covered Under Star Women Care Insurance Policy
The company shall also cover –
- Pre-hospitalization expenses up to 60 days
- Post-hospitalization expenses up to 90 days
- Organ donor expenses
- AYUSH treatment
- Bariatric surgery up to INR 2,50,000 and Rs.5,00,000
- Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees
- Cost of Anesthesia, Blood, Oxygen, etc
- Daycare procedures
- Non-medical items as you can see on the website of Star Health Insurance
- Road and air ambulance charges
Specific Coverages for Women Under Star Women Care Insurance Policy
Keeping women and their requirements in mind, the company has provided specific coverages such as –
In Utero Fetal Surgery/Repair
The company covers any expenses incurred for In Utero Fetal Surgeries and Procedures as shown below-
- Open Fetal Surgery
- Fetendo Fetal Surgery
- Fetal Image-Guided Surgery (FIGS-IT)
Star Women Care Insurance Policy covers several types of in utero-surgeries/procedures –
- CPAM – Lobectomy
- SCT – Resection
- MMC – Repair
- Cervical Teratoma
- Resection EXIT
- Tracheal occlusion
- Neck tumors
- CDH (EXIT to ECMO)
- Balloon Occlusion of Trachea (for CDH)
- Laser Ablation of Vessels (for TTTS)
- Cord Ligation/Division
- Cystoscopy Ablation Valves (Urinary Obstruction)
- Amniotic Bands Release
- Fetal Blood Sampling
- RFA Anomalous Twins
- Vesico/Pleuro Amniotic
- Balloon Dilation Aortic
- Removal of the CDH
- Tracheal Occlusion Balloon
- Pulmonary Sequestration
Voluntary Sterilization Expenses
The policy covers expenses of Voluntary Sterilization (Tubectomy / Vasectomy) after a waiting period of 24 months if you’re married and 22 years or above. Reversal of Sterilization is not payable.
Miscarriage due to Accident
A lump sum amount shall be payable towards miscarriage if it arises due to an accident. This benefit is available only once.
Delivery of child including Cesarean section, prenatal and postnatal expenses shall be covered by the company. And this benefit is available for two deliveries. Pre and post-hospitalization expenses are not applicable for this section.
Treatment of Newborn Baby
During the policy year, in-patient hospitalization expenses such as Congenital Internal and External defects or anomalies of the newborn are covered from day one, subject to a
maximum of 25% of the sum insured. After receiving thepayment of the applicable premium for newborns, the policy covers such expenses up to 100% of the sum insured. Vaccination expenses for the newborn baby are payable up to 12 months from birth. Star Health’s liability for vaccination is INR 2,500 for sum insured of INR 5 and 10 Lakh and INR 3,500 for sum insured INR 15 Lakh and above.
The company covers Metabolic Screening Test for NewBorn once up to INR 3,500. Up to four pediatrician consultations per year are payable up to the age of 12 years. The policy covers each consultation for up to INR 500.
Note: Expenses for a newborn are covered subject to an admissible delivery claim or If you have submitted scan reports taken during the 12th and 20th weeks of your pregnancy and Star Health Insurance has accepted the same.