Why Should You Check Star Health Insurance Policy Details Before Buying it?

Star Health Insurance offers a wide range of policies to cover your medical expenses. And its attractive benefits like – restoration, no claim bonus, coverage, wide network hospitals, etc. can assure you financially while the medical treatment is on. But before buying it, you should check its terms and conditions applicable to benefits. So, go through the page below and check the Star Health Insurance Policy Details.

Waiting Period Applicable to the Star Health Insurance Policy

Before buying a plan, there are certain things you should know about them such as a waiting period. A duration during which you can’t file a claim. This starts from the date of inception. Let’s check them out below –

Initial Waiting Period

You can’t file a claim in case of an illness you are diagnosed with during the first thirty days of the policy. This, however, does not apply to injuries that occur during the first thirty days of the policy. So, you can take treatment for your injuries and file a claim for the same without any limitations under the Star Health Insurance Plan.

Pre-Existing Waiting Period

If you already have an existing condition before the policy purchase, the insurer won’t be liable to cover the same until continuous coverage of 36 months. And the insurer shall cover pre-existing ailments only if you declare the same at the time of purchase. 

Specific Ailments Waiting Period

Star Health Insurance Company shall not cover the following illnesses or treatments unless you’re covered for 24 months –

  • Cataract and diseases of the anterior and posterior chamber of the eye 
  • Diseases of ENT
  • Thyroid 
  • Benign diseases of the breast
  • Subcutaneous benign lumps sebaceous cyst, dermoid cyst, mucous cyst lip/cheek 
  • Carpal tunnel syndrome 
  • Trigger Finger 
  • Lipoma 
  • Neurofibroma 
  • Fibroadenoma 
  • Ganglion and similar pathology
  • Diseases related to tendon, ligament, fascia, bones and joints 
  • Arthroscopy and arthroplasty  
  • Joint replacement other than caused by accident
  • All types of treatment for degenerative disc and vertebral diseases including replacement of bones, joints and degenerative diseases of the musculoskeletal system, prolapse of intervertebral disc other than caused by accident
  • Conservative interventional laparoscopic and open treatments related to hepatopancreatic biliary disease, gallbladder and pancreatic calculi. kidney and genitourinary tract calculi
  • Hernia
  • Desmoid tumor 
  • Umbilical granuloma, sinus, fistula
  • Diseases of the cervix, uterus fallopian tubes, ovaries, uterine bleeding, pelvic inflammatory diseases
  • Diseases of prostate, stricture urethra all obstructive uropathies
  • Benign tumors of the epididymis, spermatocele varicocele hydrocele
  • Fistula Fissure in ano, hemorrhoids, pilonidal sinus and fistula
  • Rectal prolapse 
  • Stress incontinence
  • Varicose veins and ulcers
  • Transplant and related surgeries except for bone marrow transplant for acute hematological malignancies and acute medical emergencies 
  •  Congenital internal disease and defect

Grace Period of Star Health Insurance Plan

A thirty-day grace period allows you to renew your policy without any late payment fee. But during this, you cannot use the policy benefits. So, in case of an illness/injury during the grace period, you need to pay for it on your own.

Free Look Period of the Star Health Insurance Plan

A free look period of fifteen days allows you to check the terms and conditions of the Star Health Insurance Plan. In case you disagree with the terms and conditions, you can cancel the policy and get a refund of your paid premium. If you cancel the policy after the commencement of risk, the insurance company shall reduce the proportionate risk premium for the period on the cover from the refund amount. Whereas, if only a part of the cover is commenced, such proportionate premium is commensurable with the insurance cover during the free look period. The refund amount shall be payable after the deduction of medical examination and stamp duty charges.

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