Star Hospital Cash Insurance Policy
Star
Highlighted Features
Covers Advanced Treatments
Includes robotic surgeries, stem cell therapy, and modern medical procedures, up to the daily cash limit.
Room Rent Cover
Provides fixed daily cash for hospital stays, covering normal room or ICU costs up to the selected plan limit.
Brochure
Policy Wording
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Our Verdict
The Star Hospital Cash Basic Plan offers daily cash benefits for hospitalization, including accident and ICU coverage. Ideal for individuals seeking supplementary financial protection for incidental hospital expenses alongside existing health coverage.
About the Plan
The Star Hospital Cash Basic Plan provides a fixed daily cash benefit during hospitalization to cover incidental expenses. Policyholders can choose ₹1,000, ₹2,000, or ₹3,000 per day for 30 to 180 days annually. It covers sickness, accident, and ICU hospitalization with a one-day deductible for sickness-related claims. Available for adults (18-65 years) and children (91 days-25 years), the plan offers 1, 2, or 3-year policy terms and serves as an additional financial cushion alongside existing health insurance.
About the Plan
Features of the Product
Room Rent
- 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.
Advanced Treatments
Covers modern medical procedures, including Robotic surgeries and Stem cell therapy up to the sum insured.
Waiting Period
- 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.
Cashless Healthcare Providers
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.
Daycare Treatment
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.
AYUSH Treatment
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.
Exclusions
Pre-existing diseases until 12 months of continuous coverage have elapsed.
Certain specified illnesses and procedures during the first 24 months of the policy.
Any disease contracted within the first 30 days of the policy commencement, except for accidents.
Hospitalization primarily for diagnostic purposes, rest cures, rehabilitation, or convalescence.
Treatment of congenital external diseases, defects, or anomalies.
Hospitalization due to war, invasion, acts of foreign enemies, or warlike operations.
Intentional self-injury, suicide, or attempted suicide.
Expenses related to pregnancy and childbirth, except for ectopic pregnancy.
Cosmetic or aesthetic treatments unless necessitated by an accident.
Use of intoxicating substances, substance abuse, drugs, or alcohol.
Vitamins and tonics unless forming part of treatment for a disease or injury.
Unproven treatments or therapies not recognized by the medical community.
Exclusions
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About the Company
Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance.
A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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