Young Star Insurance Policy – aasthainsurers

Young Star Insurance Policy

	Gold Plan	Silver Plan
In-Patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered as per the limits mentioned in the policy clause.
Room Rent Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
Road Ambulance Ambulance charges incurred for transporting the insured person by private ambulance services to the hospital and from one hospital to another hospital for better treatment are covered.
Day Care Procedures Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Modern Treatment Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
Additional Basic Sum Insured for Road Traffic Accident (RTA) If the basic Sum Insured gets exhausted, then for hospitalisation due to Road Traffic Accidents, it will be increased by 25% to the maximum of Rs. 10,00,000/-.
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.
Automatic Restoration of the Basic Sum Insured On partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the same policy period.
Cumulative Bonus Cumulative bonus is provided at 20% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured.
Online Discount A 5% discount on premium is available for purchasing the policy for the first time through online.
Special Discount A 10% discount on premium is applicable on purchasing the policy before 36 years of age and renewing it after 40 years of age.
E-Medical Opinion  E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.
Health Check-Up Health check-up expenses incurred at Network Hospitals are covered up to the specified limits irrespective of the claim.
Star Wellness Program  Wellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts up to a maximum of 10%.
Lifelong Renewal This policy provides a lifelong renewal option.
Delivery Expenses  Delivery expenses including the Caesarean section are covered up to Rs. 30,000/- per delivery to the maximum of two deliveries.
Hospital Cash Benefit  A cash benefit of Rs.1000/- for each completed day in the hospital is provided for a maximum of 7 days per hospitalisation and 14 days per policy period.

Please refer to the Policy Documents to know the policy details and Terms & Conditions.