Families and kids are frequently mentioned when talking about health insurance, but single people also need it. Since single-income households often don’t have as much of a safety net as those with two or more incomes, it is particularly crucial. It’s critical to understand that if you get sick, a health insurance plan will assist in covering high medical costs.
Road Ambulance charges for emergency transportation to hospital as per specified limits.
The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company’s network of Medical Practitioners – Medical records can be sent to the mail id info@fastmudra.in
Inpatient Hospitalisation expenses incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a Government Hospital or in any institute recognized by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health as in patient is payable up to the limits mentioned in the Schedule of Benefits.
Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once during policy period. Such restored Sum Insured can be utilized for illness /disease unrelated to the illness / diseases for which claim/s was / were already made.
Such restoration will be available for section 1 other than outpatient medical consultation.
Waiting Period: The Company shall not be liable under this policy directly or indirectly for
Pre-Existing Diseases/Illness: Are covered after 36 months of continuous Insurance without break. If insured opts Buyback PED then Pre-Existing Diseases covered after 12 months of continuous coverage from the inception of this policy
Coverage for Modern Treatment please click here
Benefit/Premium illustration for Individual and Floater basis please click here
Instalment Facility: Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years).
Wellness Program
This program intends to promote, incentivize and to reward the Insured Persons’ healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium.
This Wellness Program is enabled and administered online through Star Wellness Platform (digital platform)
Note: The Wellness Activities mentioned in the table below (from Serial Number 1 to 5) are applicable for the Insured person(s) aged 18 years and above only.
The following table shows the discount on renewal premium available under the Wellness Program:
Wellness Points Earned | Discount in Premium |
---|---|
200 to 350 | 2% |
351 to 600 | 5% |
601 to 750 | 7% |
751 to 1000 | 10% |
*In case of floater policy the weightage is given as per the following table :
Family Size | Weightage |
---|---|
Self, Spouse | 1:1 |
Self, Spouse and Dependent Children (up to 18 years) | 1:1:0:0:0 |
Self, Spouse and Dependent Children (aged above 18 years) | 2:2:1:1:1 |
Note: In case of two year policy, total number of wellness points earned in two year period will be divided by two.
Each Insured Person will be given an Individual log-in facility, which will be linked to his/ her policy.
*Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation in case of two year policy
The wellness services and activities are categorized as below:
Sr. No. | Activity | Maximum number of Wellness Points that can be earned under each policy in a policy year |
---|---|---|
1. | Manage and Track Health | |
a) Online Health Risk Assessment (HRA) | 50 | |
b) Preventive Risk Assessment | 200 | |
2. | Affinity to Wellness | |
a) Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 | |
b) Membership in a health club (for 1 year or more) | 100 | |
3. | Stay Active – If the Insured member achieves the step count target on mobile app | 200 |
4. | a) Weight Management Program (for the Insured who is Overweight / Obese) | 100 |
b) Sharing Insured Fitness Success Story through adoption of Star Wellness Program (for the Insured who is not Overweight / Obese) | 50 | |
5. | a) Chronic Condition Management Program (for the Insured who is suffering from Chronic Condition/s – Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 250 |
b) On Completion of De-Stress & Mind Body Healing Program (for the Insured who is not suffering from Chronic Condition/s – Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 125 | |
Additional Wellness Services | ||
6. | Online Chat with Doctor | |
7. | Medical Concierge Services | |
8. | Period & Fertility Tracker | |
9. | Digital Health Vault | |
10. | Wellness Content | |
11. | Health Quiz & Gamification | |
12. | Post-Operative Care | |
13. | Discounts from Network Providers |
Manage and Track Health:
a) Completion of Health Risk Assessment (HRA):
The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per policy year. On Completion of online HRA questionnaire, the Insured earns 50 wellness points. Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.
b) Preventive Risk Assessment:
The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the policy year. These tests should include the five mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses.
Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.
List of mandatory tests under Preventive Risk Assessment |
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1. Complete Haemogram Test |
2. Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c) |
3. Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL Cholesterol Ratio) |
4. Serum Creatinine |
Affinity towards wellness: Insured earns wellness points for undertaking any of the fitness and health related activities as given below.List of Fitness Initiatives and Wellness points:
Initiative | Wellness Points | |
---|---|---|
a. | Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 |
– On submission of BIB Number along with the details of the entry ticket taken to 100 participate in the event. | ||
b. | Membership in a health club (for 1 year or more) – In a Gym / Yoga Centre / Zumba Classes / Aerobic Exercise/ Sports Club/ Pilates Classes/ Swimming / Tai Chi/ Martial Arts / Gymnastics/ Dance Classes | 100 |
Note: In case if Insured is not a member of any health club, he/she should join into club within 3 months from the date of the policy risk commencement date. Insured person should submit the health club membership. |
Stay Active: Insured earns wellness points on achieving the step count target on star mobile application as mentioned below:
Average number of steps per day in a policy year | Wellness Points |
---|---|
| 100 |
| 150 |
| 200 |
Note:
|
Weight Management Program:
Sr. No. | Name of the Ailment | Values to submitted | Criteria to get the Wellness points |
---|---|---|---|
1. | Obesity (If BMI is above 29) | Height & Weight (to calculate BMI) | Achieving and maintaining the BMI between 18 and 29 |
2. | Overweight (If BMI is between 25 and 29) | Height & Weight (to calculate BMI) | Reducing BMI by two points and maintaining the same BMI in the policy year |
– Values (for BMI) shall be submitted for every 2 months (up to 5 times in each policy year) |
Chronic Condition Management Program:
Sr. No. | Name of the Ailment | Test to be submitted | Values Criteria to get the additional Wellness points |
---|---|---|---|
1. | Diabetes(Insured can submit either HbA1c test value (or) Fasting Blood Sugar (FBS) Range and Postprandial test value) | HbA1c | ≤ 6.5 |
Fasting Blood Sugar (FBS) Range and Postprandial test value | 100 to 125 mg/dl below 160 mg/dl | ||
2. | Hypertension | Measured with – BP apparatus | Systolic Range – 110 to 140 mmHg Diastolic Range – 70 to 90 mmHg |
3. | Cardiovascular Disease | LDL Cholesterol and Total Cholesterol / HDL Cholesterol Ratio | 100 to 159 mg/dl ≤ 4.0 |
4. | Asthma | PFT (Pulmonary Function Test) | FEV1 (PFC) is 75% or more FEV1/ FVC is 70% or more |
Note: This is a 10 weeks program which insured needs to complete without any break.
Online Chat with Doctor:
Insured can consult qualified healthcare professionals at their convenience. The Doctor Chat feature allows Insured to “Chat” with qualified Doctors, available from Monday to Friday between 9.00 AM and 6.00 PM to help Insured with advice and quick consultations including on Diet & Nutrition and Second Medical Opinion. They do not prescribe any medications or diagnose any health issues.
Medical Concierge Services:
The Insured can also contact Star Health to avail the following services:- Emergency assistance information such as nearest ambulance / hospital / blood bank etc.
Period & Fertility Tracker:
The online easy tracking program helps every woman with their period health and fertility care. The program gives access to trackers for period and ovulation which maps out cycles for months. This helps in planning for conception prevention and tracks peak ovulation if planning pregnancy.
Digital Health Vault:
A secured Personal Health records system for Insured to store/access and share health data with trusted recipients. Using this portal, Insured can store their health documents (prescriptions, lab reports, discharge summaries etc.), track health data add family members.
Wellness Content:
The wellness portal provides rich collection of health articles, blogs, tips and other health and wellness content. The contents have been written by experts drawn from various fields. Insured will benefit from having one single and reliable source for learning about various health aspects and incorporating positive health changes.
Health Quiz & Gamification:
Post Operative Care:
It is done through follow up phone calls (primarily for surgical cases) for resolving their medical queries.
Discounts from Network Providers:
The Insured can avail discounts on the services offered by our ` network providers which will be displayed in our website.
Terms and conditions under wellness activity
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
Scenario – 1
A 40 year old Individual Ramesh buys Star Comprehensive Insurance Policy (Individual Sum Insured) on 15th March, 2019 on payment of Rs.17,615/- per year (excluding taxes), with Sum Insured 25 Lacs, let’s understand how he can earn Wellness Points by doing different wellness activities. Ramesh has declared that his Body Mass Index (BMI) as 24 and he is a Diabetic. Ramesh enrolled under the Star Wellness Program and completed the following wellness activities. | ||
---|---|---|
Sr.No | Name of the wellness activity taken up during the policy year | Wellness Points Earned |
1 | Completed Online Health Risk Assessment (HRA) | 50 |
2 | Submitted Health Check-Up Report (two test results are not within normal values) | 100 |
3 | Participated in Walkathon | 100 |
4 | Attended to Gym | 100 |
5 | Achieved 10,000 average number of steps per day during the policy year | 200 |
6 | Shared his fitness success story | 50 |
7 | Managed Diabetes through Chronic Condition Management Program | 250 |
Total Number of Wellness Points earned | 850 | |
Based on the number of Wellness Points earned Ramesh is eligible to get 10% discount on renewal premium. |
ILLUSTRATION OF BENEFITS:
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
Scenario – 2
A 42 year old Individual Suresh and his wife Lakshmi along with their two dependent children (aged below 18 yrs) buy a Star Comprehensive Insurance Policy (Floater Sum Insured) on 20th, March, 2019 on payment of Rs.34,220/- per year (excluding taxes), with Sum Insured 25 Lacs, let’s understand how they can earn Wellness Points under the Floater Policy. Suresh has declared that he is suffering from Diabetes & Hypertension. Suresh has declared his Body Mass Index (BMI) as 30 & Lakshmi has declared her BMI as 25 Suresh and Lakshmi enrolled under the Star wellness program and completed the following wellness activities. | |||
---|---|---|---|
Sr.No | Name of the wellness activity taken up during the policy year | Wellness Points Earned by Ramesh | Wellness Points Earned by Lakshmi |
1 | Completed Online Health Risk Assessment (HRA) | 50 | 50 |
2 | Submitted Health Check-Up Report | 200 | 200 |
3 | Participation in Marathon | 100 | 0 |
4 | Attended to Gym | 100 | 100 |
5 | Achieved 10,000 average number of steps per day during the policy year | 200 | 200 |
6 | Suresh accepted the Weight management program and reached 27 BMI <br /> <br /> Lakshmi accepted the Weight management program and reached 23 BMI | 100 | 100 |
7 | Suresh Managed Diabetes & Hypertension through Chronic Condition Management Program; <br /><br /> <br /><br /> Lakshmi has completed De-stress & Mind Body Healing Program | 250 | 125 |
Total Number of Wellness Points earned | 1000 | 775 | |
No of wellness points based upon weightage – 1:1 | 500 (1000X1/2) | 388 (775X1/2) | |
Total Number of Wellness Points earned by Suresh and Lakshmi = 888 (500+388) Based on the no of Wellness Points earned, Suresh & Lakshmi are eligible to get 10% discount on renewal premium |
ILLUSTRATION OF BENEFITS:
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
Scenario – 3
A 27 year old Individual Umesh buys Star Comprehensive Insurance Policy (Individual Sum Insured) for two year period, with Sum Insured 25 Lacs, let’s understand how he can earn Wellness Points by doing different wellness activities. Umesh has declared that his Body Mass Index (BMI) is 24 and he is not suffering with any Chronic Condition. Umesh enrolled under the Star Wellness Program and completed the following wellness activities. | |||
---|---|---|---|
Sr.No | Name of the wellness activity taken up during the policy year | Wellness Points Earned in the First Year | Wellness Points Earned in the Second Year |
1 | Completed Online Health Risk Assessment (HRA) | 50 | 50 |
2 | Submitted Health Check-Up Report | 200 | 200 |
3 | Participated in Walkathon | 100 | 100 |
4 | Attended to Yoga Classes | 100 | 100 |
5 | Achieved 10,000 average number of steps per day during the policy year | 200 | 200 |
6 | Submitted his fitness success story | 50 | 50 |
7 | Completed De-stress & Mind Body Healing Program | 125 | 125 |
Total Number of Wellness Points earned | 825 | 825 | |
Total Number of Wellness Points earned by Umesh = 2000 (1000+1000) Calculation of Wellness Points as per two year policy condition = 1000 (2000/2) | |||
Based on the number of Wellness Points earned, Umesh is eligible to get 10% discount on renewal premium. |
10% of each and every claim for persons above 60 years at entry level and their subsequent renewals.
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :
If the Insured has not made any claim during the free look period, the Insured shall be entitled to –
a refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges
or
where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover
or
where only a part of the insurance coverage has commenced , such proportionate premium commensurate with the insurance coverage during such period. Free look period shall not be applicable at the time of renewal
NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.
NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health office or call sales & services – 1800-891-2871