Deductible option in health insurance |50% discount on premium | star health assure policy

Optional Cover to choose deductible: If the insured person chooses any of the following deductible, the Company will provide a discount on premium as per the table given below
Sum Insured Aggregate Deductible Option Discount offered
Up to Rs. 20 lakhs Rs. 50,000/- 45%
Rs. 1,00,000/- 55%
Above Rs. 20 lakhs Rs. 50,000/- 35%
Rs. 1,00,000/- 50%

Note: This deductible is applicable for every policy year. (on Aggregate basis)
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Floater Sum Insured :
For Adults – Minimum - 18 years & Maximum - Up to 75 years
No pre-acceptance medical screening
There is no pre-acceptance medical screening
Policy Term
One year / Two years / Three years
Sum Insured Options
Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/-, Rs.25,00,000/-, Rs.50,00,000/-, Rs.75,00,000/-, Rs.1,00,00,000/- and Rs.2,00,00,000/-Note:
Automatic Restoration
available Unlimited number of times

Room, Boarding, Nursing Expenses all inclusive as provided by the Hospital / Nursing Home as per the limits given below:-
Sum Insured in lakhs (Rs.) 5/10/15/20/25/50 75 / 100 / 200
Room Rent Criteria Up to 1% of Sum Insured or upto Rs.20,000/- per day whichever is less No limit on Room Rent (Any room)
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
All day care treatments are covered
Coverage for Non-medical Items (Consumables) available click here to view details
Road Ambulance charges for transportation of Insured Person covered subject to an admissible Hospitalisation Claim.
Air Ambulance : up to 10% of the Sum Insured per year is payable
Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
Post- Hospitalization expenses incurred up to 180 days after discharge from the hospital.
Organ Donor Expenses In patient hospitalization expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable.
Health Checkup Assure: Expenses incurred towards cost of health check-up up to the limits for each policy year (irrespective of claim).
Home care treatment: Payable up to 10% of the sum insured subject to maximum of Rs.5 lakhs in a policy year, for treatment availed by the Insured Person at home, only for the specified conditions
Delivery Expenses : Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up-to 10% of the Sum Insured is payable.
In Utero Fetal Surgery/Intervention : The Company will pay the expenses incurred for listed In Utero Fetal Surgeries and Procedures after the waiting period of 24 months from the date of inception of this policy
Treatment for Chronic Severe Refractory Asthma : cover is payable up to 10% of sum insured not exceeding Rs.5 lakhs per policy period.
Compassionate travel: The Company will reimburse the transportation expenses by air incurred upto Rs.10,000/- for one immediate family member(other than the travel companion) for travel towards the place where hospital is located.
Treatment in Valuable service providers network: An amount calculated at 1% of Sum Insured subject to a maximum of Rs.5,000/- per policy period is payable as lump sum.
Shared accommodation: An amount of Rs.1,000/- per day will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation.
AYUSH Treatment: AYUSH treatment is payable up to the sum insured.
Coverage for Modern Treatment: Please click here
Benefit/Premium illustration for Individual and Floater basis please Click Here
Cumulative Bonus: The insured person will be eligible for Cumulative bonus calculated at 25% of sum insured for each claim free year and maximum upto 100% of the sum insured
Automatic Restoration of Sum Insured: Unlimited number of times and maximum up to 100% each time, which can be utilized for a subsequent hospitalization

Note: This deductible is applicable for every policy year. (on Aggregate basis)
Waiting Period:
Pre-Existing Diseases:
30 months in case of 3 years term
36 months in case of 1 year and 2 years term
Specified disease / procedure waiting period: 24 months
Initial waiting period: 30 days
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[ydxpzpx]

இன்றைய காலகட்டத்தில் அனைவரும் மிகவும் வருந்தத்தக்க ஒரு விஷயம் என்னவென்றால் மருத்துவச் செலவீனம் அதிகமாகிக்கொண்டே இருக்கிறது அதைத் தவிர்ப்பதற்கான வழிமுறைகளை சொல்லி அதற்கு மிக்க நன்றி .நான் ஒரு டீக்கடை வைத்து நடத்தும் ஒரு சிறு வியாபாரி என்னைப் போன்றவர்களுக்கு தனியாக ஒரு வீடியோ போட்டால் உதவியாக இருக்கும் .

[valiantvimal]

நன்றி சார். நான் அந்த Deductible வசதியைத்தான் பயன்படுத்தி உள்ளேன். நல்ல தகவல்..தேவையான தகவல் ... நன்றி 👍

[echluhm]

@nivas sir, comprehensive la dependent childrenku 25 years varaikum claim iruku but assure la only 17 years.... Ithu advantageaa disadvantageaa

[gokula]

Hi sir, what is the meaning of "on aggregate basis" which is mentioned in the deductible clause.

[blackman]

Hi Sir suggest a best individual health insurance for my mom wos age is 49.

[anandvenkatesan]

Hi sir.if i put deductible.option in health assure plan for 1st 2 yrs and 3rd yr paying full premium.wll i able to claim 50000 maternity coverage in 3rd yr

[raptrdelta]

Which one best sir health assure star vs comprehensive star health?

[twindelight]

Sir what is wellness program discount how to choose this

[vishyarjun]

In Star health to choose 50k deductible they are reducing 15k in the yearly premium. what benefit do I have here when insurance can pay that 50k also where i have to pay only 15k extra.?

[roseamma]

Anna I'm single entha insurance erukalam niva buva reassure or star health comprehensive which one is best

[yathavanmoorthi]

Sir, na health insurance edukalanu irukean. Enna insurance and enna company la edukalam?

[rajavelr]

I have star health optima for my parents 5 lakhs paid 32k yearly premium recently I took star super surplus top-up policy 10 lakh and deductable option 5lakh in primary policy and paid 3k is it wise decision???? shall I continue renew next year? my idea is I want 15 L coverage for my parents in senior citizen category

[vickykey]

Neega yen bro ATY(atel pension Yojana) pathi oru video kuda podala?

[mukindia]

Thanks for this information sir.. few doubts: 1. Is this a super top up policy? 2. Can this be taken only for senior citizens of 67yrs of age ?

[karthikeyan.s]

Hi sir, is the option to remove deductible option is still there? Suppose after we choose deductible option, company doesn't allow to remove deduction after 3 years at that time what to do..? Have to continue with deductible option lifelong

[kiruthikamurugan]

Sir term r health which insurance best... Im house wife...