Star Health Unique Insurance

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.

• 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

• 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

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

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.

• 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