Star Wedding Gift

The comforts and luxuries of today's life come at a price - the price of uncertainties. Of the uncertainties, health of oneself and one's family is of prime concern. Add to this, the fact that medical expenses are getting dearer. One ailment is all it takes to wipe out years of savings - that was meant to realize your dreams. Can there be a better gift for wedding than Star Wedding Gift policy?
 
Policy Benefits
Hospitalization Cover : In-patient hospitalization expenses for a minimum of 24 hours.
Room, Boarding, Nursing Expenses up to Rs. 4,000/- per day.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.
Cost of medicines and drugs.
Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.1,000/- per hospitalization and overall limit of Rs. 1,500/- per policy period.
Expenses for delivery of child (Caesarean/Normal Delivery - for one delivery only) upto the limits
Pre nad Post natal expenses included
Newborn baby cover (including Congenital disorders/defects)
Post delivery Complication cover for mother after delivery
Cost of test incurred for detecting any disorders in the Foetus upto Rs. 1,000/- (after a waiting period of 27 months). The waiting period of 27 months is reduced to 15 months when the policy is taken for a period of 4 years.
 
Pre-Hospitalization & Post-Hospitalization
Pre-hospitalization medical expenses upto 30 days prior to the date of admission.
Post-hospitalizationn - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/- is payable.
Not applicable for child delivery claims.
 
Non Allopathic Treatments
Upto 25% of sum insured per occurrence, subject to a maximum of Rs. 25,000/- per policy period.
 
Pre- Medical screening
There is no pre acceptance medical screening.
 
Pre-Existing Diseases
Pre existing diseases are covered after 48 months of continuous insurance with the company.
 
Eligibility
Any couple aged between 18 years and 40 years residing in India can take this insurance.
Renewable upto 45 years.
 
Policy Period

 
Policy is offered for the following periods
1 year
2 years
4 years
 
Sum Insured
Coverage Option 1 Option 2
a. Hospitalisation Expenses Rs. 3,00,000/- Rs. 5,00,000/-
b. Child Delivery Expenses Rs. 15,000/- for normal and Rs. 20,000/- for caesarean delivery Rs. 20,000/- for normal and Rs. 25,000/- for caesarean delivery
c. Pre and Post Natal Expenses
 
Pre Natal : Rs. 1,500/-
 
Pre Natal : Rs. 2,000/-
(as part of Child Delivery Expenses) Post Natal : Rs. 2,000/- Post Natal : Rs. 4,000/-
d. New Born Baby Cover : Hospitalisation expenses for treatment including congenital diseases Rs. 30,000/- Rs. 50,000/-
e. New Born Baby Cover : Lump sum payment for Down's Syndrome and Cerebral Palsy Rs. 60,000/- Rs. 1,00,000/-
f. Post Delivery Complications Actuals within Hospitalisation Limits Actuals within Hospitalisation Limits
g. Test for detecting congenital abnormality in foetus Rs. 1,000/- Rs. 1,000/-
Note : The coverage limits mentioned in (b) to (f) above, is part of the overall Sum Insured mentioned under (a) above.
 
Policy Premium (Service Tax Extra)
 
Policy period for One Year cover (Service Tax Extra) :
Option Family Size Premium (Rs.)
5 months - 35 years 36 years - 45 years
Option 1 2A 10305 10740
2A + 1C 10535 11305
Option 2 2A 13960 14680
2A + 1C 14470 15310
 
Policy period for Two Years cover (Service Tax Extra) :
Option Family Size Premium (Rs.)
5 months - 35 years 36 years - 45 years
Option 1 2A 18550 19335
2A + 1C 18965 20350
Option 2 2A 25130 26425
2A + 1C 26050 27560
 
Policy period for Four Years cover (Service Tax Extra) :
Option Family Size Premium (Rs.)
5 months - 35 years 36 years - 45 years
Option 1 2A 43285 45110
2A + 1C 44250 47485
Option 2 2A 58635 61660
2A + 1C 60775 65145
 
Tax Benefits

 
Payment of premium by any mode other than cash for insurance under this policy is eligible for relief under section 80D of the Income Tax Act
 
Free Look In Period

 
Free look period of 15 days from the date of receipt of policy is available (under 4 year period policy only).

 
During the free look period if the insured persons is not satisfied, he/she has option to cancel the policy. On doing so the premium paid will be refunded after deduction of 5% subject to there being no claim.
 
Star Advantages

 
No Third Party Administrator; direct in-house claims settlement

 
Faster & hassle - free claim settlement

 
Cashless hospitalization

 
Network of more than 5400 hospitals across India

 
24x7 Toll - free Helpline

 
Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 / 1800 102 4477 for medical advices.

 
Free Health magazines are issued to policy holders at regular intervals
 

NOTE: The benefits mentioned herein are only an outline of the accident and life insurance policy. For complete details, please contact +91 9845197991

 

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Contact Us


  No.1201/1,1st floor ,Raghavendra block
  srinagar,avalahalli main road
  Bangalore 560050
  Karnataka
  India
  Contact No: +91 9845197991