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Star Health Unique Insurance

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Star Unique Health Insurance Policy


Star Health Unique Insurance policy stands true to its name as it offers the unique feature of covering medical expenses for certain pre-existing diseases within 11 months only as compared to most of the health insurance policies which cover pre-existing diseases after 48 months.



Key Features of Star Unique Health Insurance Policy


  • Pre-existing diseases (other than those specified) are covered after 11 months
  • Covers HIV positive persons (except for treatment of HIV / AIDS) with minimum CD 4 count
  • No medical test required



What is covered in Star Unique Insurance Plan?


  • Hospital room rent, boarding and nursing expenses
  • Surgeon, consultant, anaesthetist, doctor and specialist’s fees
  • Provides for the cost of medicines and drugs
  • Cost of blood, oxygen, anaesthesia, surgical appliances, medicines and drugs
  • Cost of diagnostic materials and X-ray
  • Chemotherapy, radiotherapy, dialysis, pacemaker and similar expenses
  • Emergency ambulance charges
  • Pre-hospitalisation expenses for up to 30 days prior to the date of admission in hospital / nursing home
  • Post-hospitalisation expenses
  • Non-allopathic treatments



Additional Benefits of Star Unique Insurance Policy


Covers HIV positive individuals (except for treatment of HIV / AIDS).



Eligibility and Restrictions of Star Unique Insurance Policy






Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)



Renewable till Age (in years)





Tax Benefits in Star Unique Insurance Policy


Premiums paid for health insurance policies are exempted from taxable income up to Rs. 15,000 for individuals and Rs 20,000 for senior citizens.



Exclusions - What is not covered in Star Unique Insurance Policy?


  • Any treatment within first 30 days from policy start date
  • 4 yr exclusion on cancer, bone marrow transplant, cirrhosis of liver, retinal detachment, chronic kidney disease etc
  • First 2 years on cataract, hysterectomy, varicose veins and varicose ulcers, thyroiditis, replacement surgery for knee and/or joint, glaucoma etc
  • First year exclusion on prostrate hypertrophy, hernia, hydrocele, Cholecystectomy, Gall Bladder Calculi and Renal Calculi etc. If these are pre-existing then waiting period is 2 yrs
  • Naturopathy treatment
  • Cosmetic treatments
  • Purely diagnostic expenses where there is no positive confirmation of existence of the disease
  • 30% off each and every admissible claim




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