Health Insurance 336 views January 7, 2021

Star Family Delite Insurance Policy can be an ideal policy for you and your family as it covers your entire family members with a single sum insured. And with a life long renewal option, you can continue the policy as long as you need. All the family members who are above the age of 50 years need to go through a pre-acceptance medical screening. The policy covers hospitalization expenses, ICU, ambulance, Modern Treatments, pre-hospitalization and post-hospitalization expenses. Let’s read this page below and know more about Star Health Family Delite Insurance Policy.

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Coverage Limit for Star Health Family Delite Insurance Policy

Star Health capped the covered medical expenses, so your sum insured doesn’t exhaust early. Let’s have a look at them below:-

  1. Expenses on hospitalization at 1% of the Sum Insured per day
  2. ICU expenses at 1.5% of the Sum Insured
  3. Emergency ambulance charges at INR 750 per event and up to INR 1,500 per policy period
  4. Pre-hospitalization is covered up to 30 days before hospitalization
  5. Post-hospitalization is capped at 7% of the hospitalization expenses except for the room rent, subject to a maximum of INR 5,000 up-to 60 days after discharge from the hospital

Star Health Family Delite Insurance Policy also covers Surgeon’s, Anesthetist, Consultants and Specialist Fees, and the cost of Anesthesia, Blood, Oxygen, Operation theatre charges, cost of Pacemakers, Drugs and Medicines used in treatment for the covered illness or injury.

Waiting Period in Star Health Family Delite Insurance Policy

Your pre-existing treatments and their complications will be covered under Star Health Family Delite Insurance Policy after a waiting period of 48 months. Whereas the expenses related to the following shall be excluded until the expiry of a 24-month waiting period:-

  1. Cataract
  2. Degenerative disc of vertebral diseases and prolapse of the intervertebral disc
  3. varicose, veins and varicose ulcers
  4. Benign prostatic hypertrophy
  5. Deviated nasal septum
  6. Sinusitis
  7. Tonsillitis
  8. Nasal polyps
  9. Chronic Suppurative Otitis Media and the related disorders
  10. hernia, hydrocele, fistula or fissure in ano and hemorrhoids
  11. Congenital internal disease or defect
  12. All treatments for Hepatobiliary Gallbladder and Pancreatic stones and Genitourinary calculi
  13. All treatments for Uterine prolapse, Dysfunctional Uterine Bleeding, Fibroids, Pelvic Inflammatory Diseases
  14. All diseases of fallopian tubes and ovaries
  15. Arthroscopic repair or removal

Note:- A 30-day waiting period will apply to Star Health Family Delite Insurance Policy from the date of its commencement for expenses related to the treatment of any illness.

Exclusions from Star Health Family Delite Insurance Policy

  1. Investigation & Evaluation
  2. Rest cure, Rehabilitation & Respite care
  3. Obesity and Weight Control
  4. Gender Change
  5. Cosmetic and Plastic Surgery
  6. Participation in hazardous and adventurous sports
  7. Breach of law
  8. Treatments received at excluded providers
  9. Treatment of alcoholism and drug abuse
  10. Health hydros, Nature Cure Clinics, Spas or Similar establishment expenses
  11. Dietary supplements and medicines which is not prescribed by a certified doctor
  12. Refractive error < 7.5 diopters
  13. Unproven treatments
  14. Sterility and infertility
  15. Maternity expenses
  16. Circumcision
  17. congenital disease/defect whether external or internal
  18. convalescence, general debility, run-down condition
  19. Intentional self-injury
  20. Venereal disease other than HIV
  21. Injury or Illness due to War, Invasion, Act of Foreign Enemy and Warlike operations
  22. Injury or Illness due to nuclear weapons or materials
  23. Naturopathy treatment
  24. Inoculation or Vaccination (except for post-bite and therapeutic medical reasons)
  25. Dental treatment or surgery
  26. Hospital registration charges, record charges, incidental and miscellaneous charges
  27. Cost of spectacles, contact lens, hearing aids walkers, crutches, wheelchairs, etc.
  28. Existing diseases, disclosed by the insured and mentioned in the policy based on insured’s consent as per the specified ICD codes
  29. Treatment of diseases/illness/accidental injuries by a system of medicine other than allopathy
  30. Naturopathy Treatment

Free Look Under Star Health Family Delite Insurance Policy

You will have a maximum of 15 days within which you can read the terms and conditions of Star Health Family Delite Insurance Policy and return it if you don’t agree to any of the Star Health terms and conditions. And the plus point in this cancellation is that if you haven’t made any claim from the policy, you will be entitled to receive your paid premiums after a deduction of stamp duty and medical examination charges (if borne by the company).

Claim Procedure for Star Health Family Delite Insurance Policy

Claim your sum insured from Star Health by calling at the 24X7 help-line number – 1800 425 2255 or 1800 102 4477. If you have a planned hospitalization, inform Star Health 24 hours before hospitalization. On the other hand, in case of an emergency admission, inform Star Health within 24 hours of hospitalization and receive cashless treatment at any of the network hospitals. If the network hospital is far from your place, get treatment in a non-network hospital, and get the expenses reimbursed from Star Health by submitting necessary documents after getting discharged.

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