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Health Insurance 1097 views January 6, 2021
Star Health Special Care is a health cover for children aged between 3 and 25 years. This is a specially designed product for children who are suffering from Autism Spectrum Disorder (ASD). Usually, ASD is diagnosed in childhood from the age of 2-3 years, but sometimes ASD develops even during toddlerhood days. But a Star Health Special Care can cover your child against health risks financially with a sum insured of INR 3 lakh. Also, Star Health doesn’t require any pre-acceptance medical check-up. However, along with your signed proposal form, submit a copy of the prior treatment records of your child. Let’s read this page below and know about Star Health Special Care coverage and exclusions.
Table of Contents
Star Health will pay the following expenses if you purchase the Star Health Special Care policy.
Star Health put a cap for covering the following diseases under this health insurance plan.
Star Health is not liable to pay certain medical expenses related to Pre-Existing Diseases for a certain period, which is also called a waiting period in a health insurance policy. So let’s check out the waiting period for treatment/diseases under Star Health Special Care.
Pre-Existing Disease (PED) | Waiting Period |
---|---|
Treatment & Complications of PED | 48 months |
Anterior & Posterior Chamber Disease of the Eye | 24 months |
ENT Diseases | 24 months |
All types of Hernia | 24 months |
All obstructive uropathies | 24 months |
Hydrocele | 24 months |
Fistula or Fissure in Ano | 24 months |
Hemorrhoids, Pilonidal Sinus and Fistula | 24 months |
Rectal Prolapse and Congenital Internal disease, defect or anomalies | 24 months |
Gallbladder and Pancreatic diseases | 24 months |
All treatments related to Hepato-pancreato-biliary diseases including Gallbladder and Pancreatic calculi | 24 months |
Management for Kidney and Genitourinary tract calculi | 24 months |
Subcutaneous Benign lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip or cheek, Carpal tunnel syndrome, Trigger finger, Lipoma, Neurofibroma, Ganglion and similar pathology | 24 months |
Conservative, operative treatment | 24 months |
All types of intervention for diseases related to Tendon, Ligament, Fascia, Bones and Joint including Arthroscopy and Arthroplasty | 24 months |
Treatment of any illness | 30 days from the date of policy commencement |
Star Health is not liable to pay for the following expenses under this health insurance plan.
A free look of 15 days will be provided to you under Star Health Special Care during which you can read the terms and conditions of the policy and return the same if not satisfied with it. If you haven’t made any claim at Star Health Special Care during the free look period, you will be entitled to receive your paid premiums minus the medical examination expenses and stamp duty charges.
To claim the sum insured from Star Health Special Care, you need to follow the below instructions:-
Note- For cashless facilities get treatment at network hospitals. Because if you get treatment in non-network hospitals, you need to pay upfront and get the expenses reimbursed by Star Health later by submitting the necessary documents.