Plan Overview
A comprehensive health insurance plan designed exclusively for women and their families, addressing regular hospitalization needs and maternity-related benefits.
Key Features
- Coverage for hospitalization and all associated medical expenses including surgery, diagnostics, medicines, ICU, and more.
- Special maternity benefits including delivery by normal or caesarean section, pre-natal and post-natal expenses.
- Coverage for newborn babies from birth, including congenital internal defects.
- Coverage for surrogacy and oocyte donor-related medical procedures.
- Includes AYUSH treatments and modern treatments.
- Road and air ambulance expenses.
- Automatic restoration of sum insured once per policy year.
- Cumulative bonus benefits for claim-free years.
- Rehabilitation and pain management benefits.
- Optional lump sum payment on diagnosis of cancer.
- Wellness program with premium discounts for healthy lifestyles.
Eligibility
- Females aged 18 to 75 years.
- Floater cover option includes self, spouse, and up to 3 dependent children.
- Children aged 91 days to 25 years; daughters up to 30 years if unmarried and/or unemployed.
- Surrogate mother (age 25 to 35) and oocyte donor (age 25 to 35) cover available with conditions.
- Pregnant women can apply by submitting scans at specified pregnancy stages.
Policy Terms
- Available for 1 year, 2 years, or 3 years.
- Long-term discount applicable for 2-year and 3-year policies.
- No pre-acceptance medical screening required.
- Premium payment can be made annually, quarterly, or half-yearly with applicable loading.
Coverage Highlights
- Room, boarding, nursing expenses as per chosen room category.
- Specialist fees, anesthesia, operation theatre, ICU, blood, oxygen, surgical appliances.
- Day care procedures fully covered.
- Organ donor expenses including donor complications.
- Pre and post hospitalization expenses (60 days pre, 90 days post).
- Bariatric surgery and its complications.
- Assisted reproduction treatment with specified waiting periods.
- Ante-natal and post-natal care.
- In utero fetal surgeries and procedures.
- Miscarriage due to accident benefits.
- Vaccination, metabolic screening, and pediatrician consultation for newborns.
- Preventive health check-ups.
- Star wellness program for lifestyle benefits.
Exclusions
- Pre-existing diseases with a waiting period of 24 months.
- Specified diseases with a waiting period of 24 months.
- Cosmetic and plastic surgery unless medically necessary.
- Treatment related to alcoholism, drug abuse, or addiction.
- Treatments for infertility except assisted reproduction.
- Various other standard insurance exclusions apply.
Claim Process
- 24/7 helpline and toll-free numbers available.
- Cashless hospitalization in network hospitals.
- Reimbursement process for non-network hospitals.
- Documentation and KYC required for claim.
Renewal and Cancellation
- Policy renewable lifelong except in case of fraud or misrepresentation.
- Grace period of 30 days for renewal to maintain continuity.
- Policyholder can cancel with refund conditions.
- Company may cancel for non-disclosure or fraud.
Tax Benefit
Premium eligible for tax benefits under Section 80D of the Income Tax Act.