Star Women Care Health Insurance

In response to the growing importance of health insurance, companies like Star Health Insurance in India now provide diverse plans tailored to individual needs. Star Health offers various plans, including family, individual, and senior citizen health plans. Among these, the Star Women Care plan is specifically designed to cater to the unique health insurance requirements of female policyholders.

This dedicated health insurance plan covers a range of medical needs, including maternity expenses. The best part is that both normal and caesarean section deliveries are included in the coverage.

Scroll through the section below to know all about the Star Woem Care health insurance plans.

Star Women Care Health Insurance At a Glance

Coverage	Both Individual and Family Floater
Riders	Lump Sum Cancer Cover
Policy Period	1, 2, and 3 Years
Key Features	No Pre-medical Check-up Required, Especially for Females, etc.
Inclusion	AYUSH Treatment, In-patient Hospitalisation, Maternity Coverage, Road Ambulance Cover, etc.
Exclusion	Cosmetic Surgery Expenses, Change of Gender Treatment, and more

Riders Available With Star Women Care Health Insurance

The Star Women Care policy offers an additional option called the Lump Sum Cancer Cover. By paying an extra premium, you can choose this optional add-on. If the insured person is diagnosed with cancer for the first time, they will receive a lump sum payment equal to the chosen sum insured amount.

Here are some key details of this rider:

• This option is available for individual sum insured only.
• You can choose a sum insured option of Rs. 5, 10, 15, 20, or 25 lakhs.
• It's a one-time benefit that can be availed only once in a lifetime.
• Once the benefit is paid, it cannot be renewed.
• There is a waiting period of 180 days before the coverage becomes active.
• This add-on is specifically for female-insured individuals aged between 91 days to 65 years.
• Any increase in the sum insured for this benefit is subject to underwriting.

Key Features of Star Women Care Health Insurance Plan

Some of the key features of Star Women Care health insurance plan are as follows:

• It is a type of health insurance plan that is especially suited for females and to fulfill the health insurance needs of their families.
• This health insurance plan offers a mid-term inclusion policy which means that you can include a newborn baby or other family members in the middle of the policy term.
• The Star Women Care can be availed as both an individual and family floater plan.
• There is no pre-medical check-up required to buy the Star Women Care insurance plan.
• Policyholders can also enjoy discounts like renewal discounts, long-term discounts, and others with the Star Women Care insurance plan.
• The plan also provides maternity coverage for delivery expenses (both cesarean and normal deliveries). The coverage is provided based on that mentioned in the policy documents.

Eligibility Criteria of Star Women Care Health Insurance Plan

Listed below are the eligibility criteria for the Star Women Care health insurance plan:

Parametres	Eligibility Criteria
Minimum entry age	18 years
Maximum entry age	75 years
Minimum entry age for dependent children	91 days
Maximum entry age for dependent children	25 years
Sum insured	Rs.5,00,000 - Rs.1,00,00,000
Policy term	1, 2, or 3 years

Benefits of Star Women Care Health Insurance Plan

Some of the reasons why you should buy Star Women Care health insurance plan are as follows:

• Flexibility: The Star Women Care health insurance plan offers the flexibility to choose the sum insured as well as the policy term. Depending on the requirements, you can choose a sum insured that meets your health insurance needs. You can choose a sum insured between Rs.5,00,000 - Rs.1,00,00,000 and the policy type can be between 1-3 years.
• Pre and Post-Hospitalisation Expenses: This plan provides coverage for pre-hospitalisation of up to 60 days and post-hospitalisation expenses if the policyholder has been admitted for more than 24 hours.
• Air Ambulance: It also provides coverage for air ambulance expenses of up to 10% of the sum insured.
• AYUSH Treatment: Star Women Care also provides coverage for any expenses incurred due to Ayurveda, Unani, Sidha, and Homeopathy treatment.
• Maternity Benefit Coverage: The policy encompasses childbirth expenses, covering both normal and Caesarean section deliveries, including pre-natal and post-natal care, up to the specified limits outlined in the policy clause.
• Other Coverage: The Star Women Care plan also provides coverage for daycare procedures, rehabilitation and pain management, organ donor expenses, and many more.

Inclusions of Star Women Care Health Insurance Plan

Listed below are the exclusions of the Star Women Care health insurance plan:

• Pre and post-hospitalisation expenses
• AYUSH treatment
• In-patient hospitalisation
• Maternity Expenses
• Road ambulance cover
• Air ambulance cover
• Modern treatment expenses
• Daycare procedures
• Organ donor expenses
• In Utero Fetal Surgery
• Non-medical item cover
• Preventive health check-up
• Surrogacy cover

Exclusions of Star Women Care Health Insurance Plan

Some of the exclusions of Star Women Care health insurance plan are:

• Pre-existing disease coverage will start after a waiting period
• Obesity or weight-related treatment
• Any injury due to involvement in adventurous activities
• Cosmetic or plastic surgery expenses
• Any expenses due to an unproven treatment
• Change of gender treatment

Documents Required to Buy Star Women Care Health Insurance Plan

The documents required to buy the Star Women Care health insurance plan are as follows:

• A duly-filled proposal form
• Aadhaar card
• PAN card
• Bank account details
• Income proof
• Medical reports

How to Buy Star Women Care Health Insurance Plan?

Here is how you can buy the Star Women Care health insurance plan:

• Go to the health insurance option on InsuranceDekho website
• Click on the health insurance companies icon and select Star Health insurance
• Select Star Women Care from the list of health insurance plans available
• Read all the terms and conditions mentioned in the Star Women Care policy wording carefully
• Upload all the necessary documents to complete the KYC process
• Make an online premium payment once the KYC process is completed
• You will get the policy document at your registered e-mail address

Claim Process of Star Women Care Insurance Plan

There are two types of claims you can raise along with your Star Women Care insurance plan: reimbursement and cashless claim. In a cashless claim, you can simply avail of treatment at a network hospital and get quality treatment without worrying about medical expenses. On the other hand, in a reimbursement claim, the amount you spend towards medical expenses is later reimbursed by the insurance company.

Cashless Claim

• Select a nearby network hospital that has tie-ups with Star Health insurance
• Submit your Star Women Care policy along with other required documents to the TPA
• Fill out the pre-authorisation form, post which the hospital will send all the documents to the insurance company
• Once the insurance company verifies all the documents, your claim request will directly get settled

Reimbursement Claim

• Visit any nearby hospital and get started with the medical process
• Inform your insurance company about the hospitalisation and submit medical bills along with the required documents
• Next, the insurance company will verify all the documents
• Once all the documents and claim request have been approved, you will receive a reimbursement against your medical expenses