What's special about us
Enjoy Zero Charges on All Commonly Used Savings Account Services
- About Us
- MD & CEO letter about the bank
- MD & CEO
- Our History
- Letter to Shareholders on the 1st Annual Report after Merger
- Letter to Shareholders on the 2nd Annual Report after Merger
- Letter to Shareholders on the 3rd Annual Report after Merger
- Letter to Shareholders on the 4th Annual Report after Merger
- Board of Directors
- Awards & Accolades
- News Room
- Investors
- Careers
- ESG
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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Sum insured up to 1cr
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Star Wellness Program
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Automatic restoration of 100%
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Mid-Term exclusion of spouse, new born baby/legally adopted child
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Sum insured up to 1cr
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Star Wellness Program
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Automatic restoration of 100%
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Mid-Term exclusion of spouse, new born baby/legally adopted child
Young Star Insurance
The age between 18 years and 40 years is always considered as the most progressive in anyone's life. During this period individuals tend to work hard to expand their horizons and work harder to achieve their goals. It is in this phase of life the solid foundation of success is laid.Read More
While individuals being busy working their way up on the ladder of success, it is also important to protect the health and wellbeing of themselves and their families, because a medical emergency can strike at any time and can pose a huge financial burden if health insurance is overlooked.Read Less
What's Included?
· Inpatient treatment and Day Care procedures
· Air ambulance charges up to 10% of the basic sum insured
· Pre and post hospitalization expenses 60 days and 90 days respectively
· Emergency Road Ambulance Charges
· Pre-hospitalization/Post Hospitalization expenses
· E-medical Opinion
· Modern Treatments
· Delivery Expenses
· Hospital Cash Benefit
· No pre policy medical check up
Plan Benefit
· Mid-Term Inclusion - The newly married spouse, newborn baby and/or legally adopted child can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of new joiners.
· Additional Basic Sum Insured for Road Traffic Accident - 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/-
· Medical Examination - Pre-medical test is not mandatory to avail this policy.
· 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/-.
· 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.
· 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.
· Hospital Cash Benefit (Gold Plan) -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.
· Delivery Expenses (Gold Plan)- Delivery expenses including the Caesarean section are covered up to Rs. 30,000/- per delivery to the maximum of two deliveries
Additional Covers:
· Health Check-ups- Expenses related to health check-up are covered for every policy year.
· Automatic Restoration of Basic Sum Insured- If the sum insured limit is exhausted, the insured can avail of the auto sum insured restoration benefit up to 100%, except for modern treatments.
· Additional Sum Insured for RTA- In-patient hospitalization due to a road traffic accident is covered once in a policy year, provided the insured was wearing a helmet and was riding a two-wheeler.
· Star Wellness Program- The insured can avail of rewards through wellness activities and by maintaining a healthy lifestyle. The rewards can be used to avail of savings on premium payments.
Eligibility
Eligibility
- Any person aged between 18 years and 40 years can take this insurance.
- Economically dependent children aged from 91 days to 25 years can be covered with one or both parents
- Family means self, spouse and economically dependent children not over 25 years of age
- In case of economically dependent children, when they complete 25 yrs of age, a separate policy has to be taken. In such an event, continuity of benefits in terms of waiting period will be provided
- Proposer plus spouse with 3 economically dependent children in total maximum of 5 can be covered under the Policy on “floater” sum insured basis
- Renewability: Lifetime
Documentation
- Health Insurance Proposal form
- KYC Documents: CKYC Detail/ID Proof & address proof (PAN & Aadhar)
- For Net banking – Not Applicable
- For Mobile banking – Not Applicable
Claims
Condition Precedent to Admission of Liability
- The terms and conditions of the policy must be fulfilled by the insured person for the Company to make any payment for claim(s) arising under the policy
Documents for Cashless Treatment
- Call the 24 hour help-line for assistance - 1800 425 2255/1800 102 4477, Senior Citizens may call at 044 40020888
- Inform the ID number for easy reference
- On admission in the hospital, produce the ID Card issued by the Company at the Hospital Helpdesk
- Obtain the Pre-authorisation Form from the Hospital Help Desk, complete the Patient Information and resubmit to the Hospital Help Desk
- The Treating Doctor will complete the hospitalization/ treatment information and the hospital will fill up expected cost of treatment. This form is submitted to the Company
- The Company will process the request and call for additional documents / clarifications if the information furnished is inadequate
- Once all the details are furnished, the Company will process the request as per the terms and conditions as well as the exclusions therein and either approve or reject the request based on the merits
- In case of emergency hospitalization information to be given within 24 hours after hospitalization
- Cashless facility can be availed only in networked Hospitals. For details of Networked Hospitals, the insured may visit www.starhealth.in or contact the nearest branch In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents.
- Note: The Company reserves the right to call for additional documents wherever required. Denial of a Pre-authorization request is in no way to be construed as denial of treatment or denial of coverage. The Insured Person can go ahead with the treatment, settle the hospital bills and submit the claim for a possible reimbursement.
For Reimbursement claims: Time limit for submission of:
Sr. No Type of Claim Prescribed Time Limit 1 Reimbursement of hospitalization, day care and pre hospitalization expenses Claim must be filed within 15 days from the date of discharge from the hospital 2 Reimbursement of Post Hospitalization Within 15 days from completion of 90 days from the date of discharge from hospital
Notification of Claim: Upon the happening of the event, notice with full particulars shall be sent to the Company within 24 hours from the date of occurrence of the event irrespective of whether the event is likely to give rise to a claim under the policy or not.
- Note:Above conditions are precedent to admission of liability under the policy. However the Company will examine and relax the time limit mentioned in these conditions depending upon the merits of the case.
Documents to be submitted for Reimbursement: The reimbursement claim is to be supported with the following documents and submitted within the prescribed time limit;
- Duly completed claim form, and
- Pre Admission investigations and treatment papers
- Discharge Summary from the hospital
- Cash receipts from hospital, chemists
- Cash receipts and reports for tests done
- Receipts from doctors, surgeons, anesthetist
- Certificate from the attending doctor regarding the diagnosis
- Copy of PAN card
- Note: Call the 24 hour help-line for assistance - 1800 425 2255 / 1800 102 4477, Senior Citizens may call at 044 40020888
Exclusions
STANDARD EXCLUSIONS
Pre-Existing Diseases
A. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with insurer
B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase
C. If the Insured Person is continuously covered without any break as defined under the portability norms of the extant IRDAI (Health Insurance) Regulations, then waiting period for the same would be reduced to the extent of prior coverage
D. Coverage under the policy after the expiry of 12 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer
Specified disease / procedure waiting period
A. Expenses related to the treatment of the following listed Conditions, surgeries/ treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident
B. In case of enhancement of sum insured the exclusion shall apply afresh to the extent of sum insured increase
C. If any of the specified disease/procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply
D. The waiting period for listed conditions shall apply even if contracted after the policy or declared and accepted without a specific exclusion
E. If the Insured Person is continuously covered without any break as defined under the applicable norms on portability stipulated by IRDAI, then waiting period for the same would be reduced to the extent of prior coverage
F. List of specific diseases/procedures;
i. Diseases of ENT and Thyroid
ii. All types of Hydrocele, Hernia, Varicocele, Piles, Fistula, and Fissure in Ano
iii. Diseases of Female Reproductive system
iv. Calculus diseases of the Gall Bladder, Kidney and Urinary Tract
3. 30-day waiting period
A. Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered
B. This exclusion shall not, however, apply if the Insured Person has continuous coverage for more than twelve months
C. The within referred waiting period is made applicable to the enhanced sum insured in the event of granting higher sum insured subsequently
4. Investigation & Evaluation
A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded
B. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded
5. Rest Cure, rehabilitation and respite care: Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
1. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons
2. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs
6. Obesity / Weight Control: Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions;
A. Surgery to be conducted is upon the advice of the Doctor
B. The surgery/Procedure conducted should be supported by clinical protocols
C. The member has to be 18 years of age or older and
D. Body Mass Index (BMI);
1. greater than or equal to 40 or
2. greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss:
a. Obesity-related cardiomyopathy
b. Coronary heart disease
c. Severe Sleep Apnea
d. Uncontrolled Type2 Diabetes
7. Change-of-Gender treatments: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
8. Cosmetic or plastic Surgery : Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an
Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
9. Hazardous or Adventure sports : Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
10. Breach of law: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
11. Excluded Providers: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However, in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim.
12. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof
13. Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons -
14. Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure
15. Refractive Error: Expenses related to the treatment for correction ofeye sight due to refractive error less than 7. 5 dioptres.
16. Unproven Treatments: Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
17. Sterility and Infertility: Expenses related to sterility and infertility.
This includes;
a. Any type of contraception, sterilization
b. Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
c. Gestational Surrogacy
d. Reversal of sterilization
18. Maternity (Except to the extent covered under Delivery Section –Gold plan)
a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy
b. Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period
SPECIFIC EXCLUSIONS
19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty, Frenuloplasty, Preputial
Dilatation and Removal of SMEGMA
20. Congenital External Disease / Defects / Anomalies
21. Convalescence, general debility, run-down condition, Nutritional deficiency states
22. Intentional self-injury
23. Venereal Disease and Sexually Transmitted Diseases (Other than HIV)
24. Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not) -
25. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials
26. Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Hyperbaric Oxygen Therapy, Rotational Field Quantum
Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic therapy and such other therapies
27. Unconventional, Untested, Experimental therapies
28. Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy and other such similar therapies
29. Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted
30. All treatment for Priapism and erectile dysfunctions
31. Inoculation or Vaccination (except for post–bite treatment and for medical treatment for therapeutic reasons)
32. Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization. (Dental implants are not payable)
33. Medical and / or surgical treatment of endocrine disorders
34. Hospital registration charges, admission charges, record charges, telephone charges and such other charges
35. Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedure related hospitalization expenses, walkers and crutches, wheel chairs, CPAP, BIPAP,
Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids
36. Any hospitalizations which are not Medically Necessary / does not warrant Hospitalization
37. Other Excluded Expenses as detailed in the website www.starhealth.in
38. Existing disease/s, disclosed by the insured and mentioned in the policy schedule (based on insured's consent), for specified ICD codes
Disclaimer
Product related disclaimer as applicable.
This website is a user interface platform owned and maintained by IDFC FIRST Bank to provide information and to communicate better with the user who may be interested in knowing about the products and services offered by the company & buying them.
Star Health product details are mentioned solely for information and educational purposes. Neither this website nor the contents available can be construed as a professional advice and before making any decision based on the information the user shall consult a professional advisor.
Star Health has taken all necessary precautions to ensure that the information contained in this website is current, accurate and complete as on the date of Publication. No representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. Star Health cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on any information appearing on this website.
Insurance is the subject matter of solicitation. "IDFC FIRST Bank having its registered office at KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai – 600031, is authorized by the Insurance Regulatory and Development Authority of India to act as a Corporate Agent of Star Health & Allied Insurance Co. Ltd. for procuring or soliciting health insurance business under license number CA0106”. The purchase of Insurance products by IDFC FIRST Banks customers is purely on voluntary and not linked to availing of any other services from the bank.
