Star Special Care Insurance Policy | Full Information

Star Health & Allied Insurance Company Limited provides quality-driven insurance products related to health, personal accident, and travel. It has a wide range of comprehensive insurance plans for individuals, families, senior citizens, and corporations. Amidst the pandemic situation, Star Health has started a special program “Star Special Care Insurance Policy“. The program allows clients to interact with a panel of experts and get factual information related to COVID-19.

Star Special Care Insurance Policy | Star Health & Allied Company.

Star Health Insurance is India’s first standalone insurance company. The insurer has more than 11000+ network hospitals where the insured members can avail themselves of cashless treatment. In addition, the insurer has a worldwide presence with an extensive network of over 340 branches. Star Health Insurance Claim Settlement Ratio 90% (F.Y. 2018-19) also supports its positive customer experience. One of the major benefits is that no co-payment is required for individuals below 60 years of age. Consistently ranked with some of the top health insurance companies in India, Star Health & Allied Insurance Company Limited has been bestowed with numerous awards and accolades.

Star Special Care Insurance Policy

Star Special Care Insurance Policy | Eligibility

  • Entry Age: Any child suffering from Autism Spectrum Disorder within the age group of 3 years and 25 years can get medical insurance covered under this scheme.
  • Coverage Type: Personal.
  • Sum Assured: Rs 3 lakh.
  • Co-payment: 20% co-payment is applicable on all claims.

Some of the most important:

  • The hottest new product of the year, 2020
  • Best BFSI Brands 2019
  • Best Health Insurance Provider of the Year 2018-19

Star Health Insurance policy covers hospitalization expenses, critical illness add-ons, medical check-up cost, ambulance charges, maternity expenses, second medical opinion, organ donor cover, AYUSH treatment, etc. One of the major benefits is that no co-payment is required for individuals below 60 years of age.

Process To File A Claim With Star Health Insurance.

Here is the claim process for Star Health Insurance:-

Cashless Claim Process: If you want to avail of Cashless Claim in Star Medical Insurance Plan, then follow the steps given below.

  • Step 1:- Visit the insurance desk at the reception of the network-listed hospital where you are being treated.
  • Step 2:- Display the Policy ID for identification purposes.
  • Step 3:- A doctor from his team will evaluate the documents. After verification, he will process the claim as per the terms and conditions of the chosen scheme.
  • Step 4:- Star Health Network Hospital will cross-check your identity and submit the pre-authorization Star Health Insurance claim form.
  • Step 5:- A designated field doctor will ease the process of hospitalization for you.
  • Step 6:- After completing the necessary formalities, the claim will be settled as per the terms and conditions.

Apply For Star Health Insurance:- Click Here

Star Health Cashless Claim | Documents Required

  • Star health card
  • Duly filled and signed claim form
  • In case of accidental hospitalization, submission of police FIR report or medico-legal certificate is required, investigation reports such as blood report, X-ray, or any scan report
  • Doctor’s consultation letter
  • Chemist’s Challan (in original)
  • Hospital discharge summary
  • Other Documents (as per the case)

Reimbursement Claim Process:

If you want to get a reimbursement claim for Star Health medical, follow the steps given below:

  • Step 1:- A doctor on-field will make it easier for you to get admitted to the hospital
  • Step2:- After discharge, you have to pay the hospital bills. Make sure you collect all original documentation of the treatment(s) and receipts of expenses incurred
  • Step 3:- Fill the Star Health claim form, attach all the required original documents and receipts, and submit it to the nearest branch office of Star Health.
  • Step 4:- As per the terms and conditions of your policy, your claim will be settled.

Star Health Reimbursement Claim | Documents Required

  • Original chemist bill with prescription
  • STAR medical insurance claim form duly filled and signed
  • Medical bills, discharge certificates, and receipts
  • Medical test report and test report
  • Surgeon’s bills and receipts
  • Nature of Surgery/Operation
  • Hospital registration certificate (if less than 15 beds)
  • FIR/Self-declaration/Medico-legal certificate in case of accidental hospitalization

Star Health Insurance | Benefits

Below are some additional benefits of Star Health Allied Insurance:-

  • Co-payment:- You do not have to make any co-payment; However, 20 percent of the Star Health Insurance claim is to be settled by you, if you have attained the age of 61 to 65 years, unless otherwise specified.
  • Lifetime Renewability:- Star health insurance plans come with Lifetime Renewability and offer cover for the entire lifetime.
  • Pre-existing diseases:- Any pre-existing diseases are covered after a waiting period of 4 years.
  • Room Rent:- 2 percent of the Sum Assured along with room rent expenses in Star Health Insurance plan subject to a maximum of Rs. 4000 every day.
  • No Third Party Administrator:- There is no Third Party Administrator in Star Health Insurance Company. It practices direct domestic claim settlement.

READ MORE: Star Family Health Optima Insurance Plan

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