Star Special Care Health Insurance Wordings

Co-payment of 20% for each and every claim made for new as well as renewal policies is applicable under this policy.

Premiums paid for this health insurance policy get relief under Section 80D of the Income Tax Act 1961 and is not included in the taxable income if paid in any mode, other than cash.

Star Health can cancel your policy on the grounds of moral hazard, misinterpretation, fraud, hiding of material fact as specified in the proposal form or at time of claim, or non-cooperation by the insured individual. The insured, in this situation, receives 30 days notice through a registered letter at his/her last known address.

Yes, this policy is portable. If an insured individual wants to port the policy, he/she can make an application to the company in the appropriate form. This should be done at least 45 days prior but not before 60 days from the due renewal date.

The policyholders are provided with a free look period of 15 days where they can review the terms and conditions of this policy. If they are not satisfied with the same, they can ask for policy cancellation. The insurance company may allow a refund of premium paid thereafter adjusting the stamp duty charges. Also, the proportionate risk premium for the period concerned will be adjusted if no claim has been made until then. Note that the free look period is not applicable at the time of policy renewal.