Star Health Assure Insurance Policy

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

25% of the Sum Insured for each claim-free year, up to a maximum of 100%.

30 days.

2 years

36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front.

Health check-up is available once every policy year, from day 1 of the policy

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits.

14000+ Healthcare Providers

82.31%

Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy.

No restriction on ICU room rent

No

0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older.

Yes

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Available as an option

Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr

Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen.