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Health Insurance 1377 views October 17, 2020
During a medical emergency, hospitalization charges are the major concern for the individual. Therefore, health insurance plans that include the cover for hospitalization would be the best option for you. You can take a look at the Star Hospital Cash Insurance Policy that gives you daily cash benefits if in case you are hospitalized. This plan is divided into two parts and they are Basic Policy and Enhanced Policy. You will get cash from the company to meet out day to day expenses of the hospital. No matter what is the reason for the hospitalization but your hospitalization expenses will be reimbursed by the company. So, you must take a look at the key features and benefits of this health insurance plan.
Table of Contents
Now, you must explore the various benefits of this insurance policy and see the hospitalization expenses that are covered under it.
You can choose the amount of the hospital daily cash that you are willing to receive during hospitalization. Basic Plan and Enhanced plan have different
hospital daily cash options and you can see them below.
This plan allows you to choose the number of days that will be covered in this plan. It simply means that you will receive hospital daily cash for the number of days you have chosen at the time of the inception of the policy.
If in case you are hospitalized due to any sickness then you will receive hospital daily cash for the number of days that you have decided at the time of inception of the policy. One day deduction is applicable in the Basic Plan but there will be no deduction in the Enhanced Plan.
If in case you are hospitalized due to an accident then you will receive up to 150% of the hospital daily cash for the number of days that you have chosen at the time of inception of the policy.
The company will give you up to 200% of the Hospital Daily Cash as a reimbursement of the ICU Charges in the Star Hospital Cash Insurance Plan. You will receive hospital daily cash for up to 30 days in an individual plan and up to 90 days in the floater plan.
This benefit is only available in the Enhanced Plan. If the hospitalization period exceeds 5 days then the company will give one-day extra hospital cash as the Convalenscene Cash Benefits.
You are allowed to enjoy this benefit only in the Enhanced Plan option. This benefit has a waiting period of 2 years and only female members are eligible to enjoy this benefit.
You will receive 200% of the Hospital Daily Cash if in case you are hospitalized outside India for the treatment of injury or illness. This benefit is only available in the Enhanced Plan option.
Particulars | Details |
---|---|
Minimum Age of Entry | 18 Years |
Maximum Age of Entry | 65 Years |
Maximum Age of Entry for a Dependent Child | 25 Years |
Hospital Daily Cash Option in Basic Plan | Rs.1000, Rs.2000, and Rs.3000 per day |
Hospital Daily Cash Option in Enhanced Plan | Rs.3000, Rs.4000, and Rs.5000 per day |
Family Members | Self, Spouse, and Dependent Children Only |
Free Look Period | 15 Days |
Grace Period for Renewal | 30 Days |
Network Hospitals | 9900+ |
Tax Deductions | Allowed |