Whether you’re an individual or a family, this plan provides true assurance when you need it the most

Star Health Insurance – Assure Insurance Policy

Introduction:
The Star Health Assure Insurance Policy is a comprehensive health insurance plan designed to provide financial protection against unexpected medical expenses. It offers extensive coverage for hospitalization, modern treatments, and additional wellness benefits, ensuring you and your family are well-protected at all times. With flexible sum insured options, cashless treatment, and valuable add-on features, this policy is ideal for individuals and families seeking complete health assurance.

Key Features of Star Health Assure Policy

1. Wide Sum Insured Range:
   Choose from ₹5 lakh up to ₹2 crore, depending on your healthcare needs and affordability.
2. Comprehensive Coverage:
   Covers hospitalization, pre and post-hospitalization expenses, organ donor expenses, and all day care procedures.
3. Pre & Post Hospitalization:
   Covers expenses up to 60 days before and 90 days after hospitalization.
4. Day Care Treatments:
   Includes coverage for all day care procedures that do not require 24-hour hospitalization.
5. Restoration of Sum Insured:
   Automatically restores the sum insured up to 100% once during the policy year if it gets exhausted.
6. Coverage for Modern Treatments:
   Includes advanced medical procedures such as robotic surgery, stem cell therapy (for specific conditions), and organ transplantation.
7. Wellness & Preventive Health Check-Up:
   Offers annual health check-ups to help monitor and maintain good health.
8. No Claim Bonus (NCB):
   Increases your sum insured every claim-free year, up to a maximum of 100%, as a reward for staying healthy.
9. Lifetime Renewability:
   The policy can be renewed for life without any age restrictions.
10. Cashless Hospitalization:
    Access to more than 14,000+ network hospitals across India for hassle-free cashless treatments.
11. Tax Benefits:
    Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act.

Other Important Information

• Entry Age: 18 to 65 years for adults; 91 days to 25 years for dependent children.
• Policy Type: Individual and Family Floater.
• Waiting Period:
  • Initial waiting period: 30 days (except for accidents).
  • Pre-existing diseases: Covered after 36 months of continuous coverage.
• Optional Add-Ons:
  Options like enhanced room rent cover, hospital cash benefit, and critical illness riders can be added for wider protection.

Example Case Study

Example:
Mrs. Kavitha, aged 42, opted for the Star Health Assure Insurance Policy with a sum insured of ₹15 lakh for her family (husband and one child).

During the year, her husband underwent a knee replacement surgery costing ₹8 lakh at a network hospital. The entire amount was settled cashlessly by Star Health. Later in the same year, her child was hospitalized for dengue treatment costing ₹2 lakh. The plan’s automatic restoration benefit reinstated the exhausted sum insured, and the expenses were again fully covered.

Additionally, since no other claims were made that year, Mrs. Kavitha received a No Claim Bonus at renewal, enhancing her coverage for the next policy year.

Conclusion

The Star Health Assure Insurance Policy is a complete and flexible health plan that caters to the diverse medical needs of modern families. With extensive hospitalization coverage, restoration benefits, modern treatment options, and preventive health check-ups, it ensures total health protection and peace of mind.

Whether you’re an individual or a family, this plan provides true assurance when you need it the most — during medical emergencies.

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