Star Health Wedding Gift Insurance

  • Available for 18 years to 40 years of age
  • Family health plan
  • Pre-hospitalization and Post-hospitalization Expenses
  • Renewable up to 45 years.
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  • Eligibility
  • Benefits
  • General Terms
  • Sum Insured
  • Exclusions

  • Any couple aged between 18 to 40 years residing in India can take this insurance.
  • Renewable up to 45 years.

Hospitalisation Cover:

  • In-patient hospitalization expenses for a minimum of 24 hours.
  • Room, Boarding, Nursing expenses up to Rs 4000/- per day.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist fees.
  • Cost of medicines, drugs.
  • Emergency medical expenses.
Delivery including pre natal and post natal cover:
  • Expenses for a delivery of child.
  • pre natal and post natal expenses included.
  • Post delivery complication cover for mother.
Free benefit
  • Cost of test incurred for detecting any disorders in the Foetus upto Rs 1,000/-
New born baby care
  • Coverage for new born baby care.
Non Allopathic treatments
  • Upto 25% of sum insured per occurrence, subject to a maximum of Rs 25,000/- per policy period.
Pre-existing diseases
  • It is covered after 48 months of continuous insurance with the company.
Pre and post hospitalisation
  • pre-hospitalisation medical expenses upto 30 days prior to the date admission.
  • post hospitalisation a lumpsum calculated at 7% of hospitalisation expenses subject to a maximum of Rs 5000/- is payable.
  • Not Applicable for child delivery claims.
  • There is no pre acceptance medical screening.

Pre-Existing Diseases / Illness :

  • Pre-Existing Disease/Condition (other than those diseases/conditions for which specific periods have been mentioned under exclusions) will be covered after 48 months of continuous coverage without break with any Indian Insurance Company.
No Pre-Acceptance Medical Screening :
  • To avail this policy, the member does not need to undergo any medical screening or tests for pre-acceptance.
Tax Benefits :
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Policy Renewability :
  • Policy is renewable up to 45 years and beyond 45 years the couple can migrate to other equivalent policy offered by the company.
Free Look Period :
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

Coverage Option 1 Option 2
a. Hospitalisation expenses Rs 3,00,000 Rs 5,00,000
b. Child delivery expenses Rs 15,000/- for normal delivery
Rs 20,000/- for Cesarean delivery
Rs 20,000/- for normal delivery
Rs 25,000/- for Cesarean delivery
c. Pre and Post Natal Expenses Pre-Natal: Rs 1,500/-
Post-Natal: Rs 2,000/-
Pre-Natal: Rs 2,000/-
Post-Natal: Rs 4,000/-
d. New born baby cover
(Hospitalisation expenses)
Rs 30,000 Rs 50,000
e. New born baby cover
(lumpsum payment)
Rs 60,000 Rs 1,00,000
f. Post delivery complications Actuals within hospitalisation limits Actuals within hospitalisation limits
g. Test for detecting congenital abnormality in foetus Rs 1,000/- Rs 1,000/-

  • Pre-existing diseases as defined in the policy until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with an Indian Insurer, However the limit of the company's liability in respect of claim for pre-existing diseases under sub portability shall be limited to the sum insured under the first policy with any Indian Insurance company.
  • Any disease contracted by the insured person during the first 30days from the commencement date of the policy, this condition will not apply if the insured person having been covered under any health insurance scheme for a continuous period of 12 months without any break.
  • Expenses for delivery of a child within 36 months of continuous renewal from the date of policy.
  • During the first two years of continuous operation of this insurance cover, the expenses on treatment cataract, hysterectomy, dsyfunctional uterine bleeding, fibroids uterus, Prolapsed Uterus, treatment of internal derangement of knee, treatment of joins, disc prolapse, degenerative vertebral and disc diseases, Varicose veins and ulcers
  • The amount of claim indicated in the schedule to be borne by the insured person.
  • Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations.
  • Circumcision unless necessary for treatment of a disease not excluded hereunder or as many be necessitated due to accident, vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness.
  • Cost of spectacles and contact lens, hearing aids walkers, crutches wheel chairs and such other aids.
  • Dental treatment or surgery of any kind unless necessitated due to accidental injuries and requiring hospitalisation.
  • During the first year of operation of insurance cover the expenses on treatment of deviated nasal septum, bengin prostate hypertrophy, hernia, hydrocele, congenital internal disease/defect, fistula in anus, piles, fissure in anus, sinusitis and related disorders, nasal polyps, gall bladder calculi and renel calculi are not payable.

 
 

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