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Star Health Wedding Gift

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Star Health Wedding Gift Insurance Policy

 

Star Health Wedding Gift Insurance is a unique policy as it covers childbirth related expenses, pre natal and post natal costs etc.

 

 

Key Features of Star Health Wedding Gift Insurance Policy

 

  • No medical tests not required before acceptance
  • Non-allopathic treatment expenses paid up to 25% of sum insured. Max limit is Rs 25,000

 

 

What is covered in Star Health Wedding Gift Insurance Plan?

 

  • Hospitalization expenses if admitted for minimum 24 hours
  • Provides for room, nursing and boarding expenses to a maximum of Rs.4,000/- per day
  • Fees of the Doctor, Consultants, Surgeon, Anesthetist and Specialist are covered
  • Emergency ambulance charges up to Rs 1000 per hospitalisation. Max limit is Rs 1500 per policy period
  • Medical and nursing care expenses for a few weeks before pregnancy (pre-natal) and for about six weeks after pregnancy (post-natal expenses) 
  • Also includes the nursing expenses
  • Cost of medicines and drugs
  • New born baby cover which includes diseases existing at birth (congenital)
  • Post delivery complications covered for mother.
  • Expenses for tests in case any disorders in the foetus up to Rs 1000 after waiting period of 27 months or 15 months if policy taken for 4 years

 

 

Additional Benefits of Star Health Wedding Gift Insurance Plan

 

  • Post –hospitalization calculated at 7% of the hospitalisation expenses up to a maximum of Rs 5,000
  • Pre-hospitalization medical expenses up to 30 days prior to the date of admission
  • Cashless hospitalization

 

 

Eligibility and Restrictions of Star Health Wedding Gift Insurance Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

7,00,000

10,00,000

Policy Term (in years)

1

4

Entry Age (in years)

18

40

Renewable till Age (in years)

-

45

 

 

 

Coverage

Option 1

Option 2

Hospitalisation Expenses

Rs. 3,00,000/-

Rs. 5,00,000/-

Child Delivery Expenses

Rs. 15,000 - Normal delivery

Rs. 20,000- Caesarean delivery

Rs. 20,000 - Normal delivery

Rs. 25,000 - Caesarean delivery

Pre Natal Expenses 

Rs. 1,500/-

Rs. 2,000/-

Post Natal (as part of Child Delivery Expenses)

Rs. 2,000/-

Rs. 4,000/-

New Born Baby Cover :

Hospitalisation expenses for treatment including congenital diseases

Rs. 30,000/-

Rs. 50,000/-

New Born Baby Cover :

Lump sum payment for Down’s Syndrome and Cerebral Palsy

Rs. 60,000/-

Rs. 1,00,000/-

Post Delivery Complications

 

Actuals

(within Hospitalisation Limits)

Actuals

(within Hospitalisation Limits)

Test for detecting congenital abnormality in foetus

Rs. 1,000/-

Rs. 1,000/-

 

 

Tax Benefits in Star Health Wedding Gift Insurance Policy

 

Premiums paid are eligible for tax exemption up to the limits of Rs.15,000 under Section 80D of the IT Act

 

 

Exclusions - What is not covered in Star Health Wedding Gift Insurance Policy?

 

  • Expenses incurred during first 36 months for delivery of child. Waiting period reduced to 24 months if policy taken for 4 years
  • First 48 months for all pre-existing diseases
  • Conditions like cataract, hysterectomy, fibroid, treatment of joints, dysfunctional uterine bleeding, varicose veins, inter-vertebral disc prolapsed etc for first 2 years
  • Conditions like hernia, piles, fissure, sinusitis, nasal polyps, gall bladder and renal calculi etc for first year
  • Naturopathy treatments
  • Congenital external defects except for new born baby
  • Cosmetic treatments
  • Expenses that are purely diagnostic in nature

 

 

 

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