Star Hospital Cash Insurance Policy

Normal: ₹1,000, ₹2,000, or ₹3,000 per day (based on the plan). If the room costs more, the extra amount must be paid.

ICU: The same cash benefit applies. If ICU costs more, the difference must be covered.

Covers modern medical procedures, including Robotic surgeries and Stem cell therapy up to the sum insured.

Initial Waiting Period: 30 days from policy commencement for sickness-related claims.

Pre-existing Diseases: Covered after 12 months of continuous coverage.

Specific Diseases: Certain conditions have a 24-month waiting period.

This policy does not offer cashless treatment facilities. Instead, it provides a lump-sum daily cash benefit, which the insured can use at their discretion.

The policy covers specified day care treatments that do not require 24-hour hospitalization. The daily cash benefit is payable for such procedures up to five times in a policy year.

The plan provides the daily cash benefit for hospitalizations under AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy), provided the hospitalization meets the policy's criteria.