Star Health Insurance for Pregnancy Coverage - Full Guide

Medical insurance with delivery benefits is vital to meet the growing expenses, such as prenatal care, delivery, doctor’s visits, and post-natal care. The maternity coverage in Star Health Insurance offers several financial advantages to pregnant women during childbirth and thereafter. Star Health offers several maternity insurance plans to cater to the need of to-be mothers and newborn babies. The top Star Health insurance for pregnancy plans include:

1. Star Comprehensive Health Insurance
2. Star Women Care Insurance Policy
3. Young Star Insurance Policy
4. Star Health Super Surplus Insurance Policy

Star Comprehensive Health Insurance is an all-inclusive health plan that includes maternity coverage. The plan offers several coverage features for individuals and families with special benefits for the mothers-to-be. It covers maternity and newborn baby expenses. This Star Health Insurance for pregnancy offers a wide range of benefits with no capping and sub-limit requirements. 

Features and Benefits

The Star Health pregnancy cover offers various benefits and features to the policyholders. Some best-in-class features of Star Comprehensive Health Insurance include:

1. 24 months waiting period to avail of maternity benefits.
2. Covers individual, spouse, and dependent children in the floater policy.
3. Lifelong renewability.
4. Covers pre-existing diseases after a fixed waiting period.
5. Cashless treatment in over 9,900 network hospitals.
6. Sum insured ranges from ₹ 5 lakh to ₹ 1 crore.
7. No co-payment is required upto 60 years of age.
8. Automatic restoration of 100% sum insured.

Eligibility Criteria 

Star Comprehensive Health Insurance can offer various benefits to all its policyholders. The eligibility for this Star Health pregnancy cover includes: 

1. Individuals in the age group of 18 to 65 years.
2. Dependent children within the age group of 3 months to 25 years can avail of benefits along with their parents.

Inclusions

This Star Health Insurance for pregnancy includes several services for the mother and her family. These inclusions include:

1. Maternity cover (both normal and caesarean delivery hospitalisation)
2. Newborn baby insurance (including vaccination upto a specified limit)
3. Pre-hospitalisation upto 60 days
4. Hospitalisation expenses
5. Ambulance charges
6. Emergency air ambulance
7. Post-hospitalisation expenses upto 90 days post-discharge
8. Domiciliary hospitalisation
9. Health checkups
10. Dental cover
11. Bariatric surgery cover
12. AYUSH treatment cover
13. Second medical opinion cover

Exclusions

Like any other health insurance, there are some exclusions under this Star Health Insurance maternity cover. These exclusions include the following:

1. Pre-existing diseases (not covered before 48 months of continuous coverage)
2. Specified illnesses and treatments (not covered until a waiting period of 24 months ends)
3. Sexually transmitted diseases and Veneral diseases
4. Non-allopathic treatment expenses
5. Injury caused due to self-harm
6. Injuries related to nuclear weapons
7. Naturopathy treatment
8. Congenital conditions and anomalies
9. Use of drugs, alcohol, tobacco, and other intoxicating substances

The Star Women Care Insurance policy is a woman-centric plan exclusively designed to meet the health needs of women with children. The plan offers maternity-related benefits, such as delivery charges, assisted reproduction treatment, in-utero foetal surgery, etc. 

Features and Benefits 

The Star Women Care Insurance policy offers various benefits to women with children and spouses included. These features and benefits include:

1. The waiting period for maternity benefits under the scheme for ₹ 5 or ₹ 10 lakhs sum insured is 24 months.
2. The waiting period for maternity benefits under the scheme for a sum insured of ₹ 15 lakhs and above is 12 months.
3. The relationships covered under the scheme include self, spouse, and dependent children.
4. Pregnant women can buy this Star Health Insurance for pregnancy if they submit the scan between 12 and 20 weeks of gestation.
5. The sum insured ranges from ₹ 5 lakhs to ₹ 1 crore. 
6. The policyholder can receive cashless treatment in more than 12000 network hospitals.
7. A pre-policy medical checkup is not required under the plan. 
8. The plan covers pre-existing diseases after a waiting period of 24 months. 
9. The amount gets automatically restored by 100% once in the policy lifetime if the sum insured is partially or fully utilised. 
10. It offers wellness points to the insured for developing healthy habits through several wellness activities. Wellness points can be used to get discounts on the premium. 

Eligibility Criteria 

Star Women Care Insurance Policy offers individual and floater plans, covering self, spouse, and dependent children. The eligibility criteria for this Star Health Insurance maternity cover are as follows:

1. Adults in the age group of 18 to 75 years
2. Children in the age group of 91 days to 25 years (30 years for unmarried/ unemployed daughters)

Inclusions

The Star Women Care Insurance Policy covers the following expenses:

1. In-patient expenses (including boarding charges, nursing expenses, and room rent)
2. Delivery expenses (including delivering a baby through normal or caesarean)
3. Newborn baby cover (including expenses incurred on metabolic screening, vaccination, and paediatrician consultation)
4. Star mother care (expenses for mother’s hospital stay if the insured child less than 12 years is admitted to the ICU)
5. Daycare procedures
6. Non-medical items
7. Air ambulance charges
8. Road ambulance charges
9. Pre-hospitalisation expenses up to 60 days before hospital admission
10. Post-hospitalisation expenses up to 90 days post-discharge
11. Assisted reproduction treatment
12. Ante-natal care
13. In-utero foetal surgery/repair
14. Miscarriage due to an accident
15. Organ donor expenses
16. OPD medical consultations
17. Bariatric surgery
18. Modern treatments (covers 12 modern treatments, including stem cell therapies, robotic surgeries, and intravitreal injections)
19. Rehabilitation and pain management
20. AYUSH treatment

Exclusions

The following expenses are not covered under the Star Women Care Insurance policy:

1. Non-accidental miscarriages
2. Sterility and infertility (except assisted reproduction treatment)
3. Congenital external anomalies
4. Treatments for obesity or weight control 
5. Cosmetic or plastic surgery
6. Dental treatment
7. Dietary supplements and substances
8. Self-harm or injury
9. Alcohol or drug-related treatments
10. Change of gender treatments

Young Star Insurance policy is for adults between 18 to 40 years to meet their specific healthcare requirements. This Star Health Insurance for pregnancy can help you through your childbirth journey. It offers delivery and childbirth-related benefits when both husband and wife are covered under the plan for 36 months. 

Features and Benefits

The features and benefits of the Young Star Insurance Policy include the following:

1. The waiting period for maternity coverage is 36 months.  
2. The policy can be availed either on an individual or floater basis. 
3. The plan offers mid-term inclusion, i.e., a newly married spouse, newborn baby, and/or legally adopted child can be included by paying an additional premium. 
4. The sum insured ranges from ₹ 3 lakhs to ₹ 1 crore.
5. It offers a lifelong renewability option. 
6. The pre-policy test is not mandatory for this policy. 
7. A 10% discount on the premium is available on buying the policy before 36 years of age and renewing it after 40 years of age.  
8. Wellness points earned by engaging in a healthy lifestyle can be used to get discounts of up to 2% to 10% during policy renewals. 
9. 100% automatic restoration of the sum insured on partial or full utilisation of the sum insured during the policy period. 
10. The plan offers the facility of e-medical opinion. 
11. The policyholder receives a cash benefit of ₹ 1000 for each completed day in the hospital for a maximum of seven days per hospitalisation. 

Eligibility Criteria

Under the floater basis, a maximum of up to three children can be covered under the scheme. The eligibility criteria for the Young Star Insurance policy include the following:

1. Adults in the age group of 18 to 40 years
2. Dependent children in the age group of 91 days to 25 years

Inclusions

This pregnancy cover in Star Health Insurance covers the expenses for the following:

1. Delivery expenses, including caesarean section, up to ₹ 30,000 per delivery to a maximum of two deliveries
2. Pre and post-natal expenses for delivery, including caesarean section, up to ₹ 30,000
3. In-patient hospitalisation expenses
4. Pre-hospitalisation expenses up to 60 days before hospital admission
5. Post-hospitalisation expenses up to 90 days post-discharge
6. Daycare procedures
7. Road ambulance charges
8. Modern treatment expenses (including oral chemotherapy, robotic surgeries, intravitreal injections, etc.)

Exclusions

The diseases and treatments not covered under the Young Star Insurance policy include the following:

1. Pre-existing diseases for the first year
2. Specified diseases up to 12 months
3. Rest cure or respite care treatment
4. Cosmetic or plastic surgery
5. Treatment for obesity or weight control
6. Gender change treatment
7. Sexually transmitted diseases
8. Self-harm or injury
9. Addiction related to alcohol or drugs
10. Breach of law
11. War or invasion
12. Nuclear weapon attack
13. Sterility and infertility
14. Circumcision treatment

The Super Surplus Insurance policy is available on an individual and floater basis for people aged 18 to 65. The plan offers delivery-related expenses and financial aid at delivery time. This Star Health Insurance for pregnancy can be an ideal option for people who want to increase their sum insured without a higher premium. 

Features and Benefits

Some features and benefits that make the Super Surplus Insurance policy superior to other basic health plans include:

1. The waiting period for maternity coverage under the plan is 12 months. 
2. It is a top-up health insurance policy that provides a high sum insured at an affordable premium. 
3. The policyholder does not need to undergo a pre-policy medical screening. 
4. The sum insured ranges from ₹ 5 lakhs to ₹ 1 crore. 
5. The policy offers 15 days of the free-look period from the date of policy inception. 
6. The insured can get free medical consultations from experts over the phone. 

Eligibility Criteria

The eligibility under Star Health Insurance maternity coverage is as follows:

1. Adults in the age group of 18 to 65 years
2. Children in the age group of 91 days to 25 years

Inclusions

The following expenses are covered under the Super Surplus Insurance policy:

1. Delivery expenses, including caesarean section, up to ₹ 50,000 per delivery to the maximum of two deliveries
2. Pre and post-natal expenses for delivery, including caesarean section, up to ₹ 50,000
3. Expenses incurred on lawful termination of pregnancy
4. Hospitalisation charges of the newborn arising from any medical complication
5. Vaccinations for the newborn until one year
6. Air ambulance cost for up to 10% of the sum insured for more than ₹ 10 lakhs
7. Organ transplant expenses
8. Pre-hospitalisation for up to 30 days before hospital admission
9. Post-hospitalisation for up to 60 days post-discharge
10. Daycare procedures
11. Pre-existing diseases after 36 months

Exclusions

The expenses not covered under the Super Surplus Insurance policy include:

1. Diseases or injuries due to war or similar activities
2. Self-inflicted injuries, such as suicidal attempts
3. Treatment for weight loss
4. Sexually transmitted diseases
5. Change of gender treatments
6. Hospitalisation due to alcohol or drug abuse
7. Cosmetic and plastic surgeries
8. Mental disorders
9. Congenital illness and abnormalities
10. Unconventional, untested, unproven, and experimental treatments

Parenthood is a beautiful phase of life that should be enjoyed without worrying about expenses. You can achieve stress-free moments with your spouse and newborn by investing in the right Star Health insurance for pregnancy. The benefits of buying a medical policy with maternity coverage include the following:

1. Financial backup: Maternity coverage offers protection against expenses incurred during normal or caesarean delivery. Furthermore, these policies also cover pre and post-natal expenses. 
2. Newborn baby expenses: The Star Health pregnancy cover include expenses due to medical emergencies and vaccinations for the newborn.
3. Cover other expenses: Besides delivery expenses (normal and caesarean) during pregnancy, the plans also cover other expenses, such as ambulance charges, pre and post-hospitalisation expenses, etc.  

Handling the high delivery expenses without maternity insurance can become financially difficult for both parents. Therefore, it is best to buy a health insurance plan with a maternity benefit. Star Health Insurance pregnancy cover offers several advantages to the policyholders, helping them enjoy the new phase in their life without cost worries. With several delivery plans, Star Health Insurance ensures catering to the health needs of all women during childbirth. Moreover, the plans also cover several expenses for the spouse and dependent children. 

For any more queries regarding Star Health Insurance for pregnancy covers, consult an expert at HexaHealth TODAY! Our team will help you know the features, benefits, inclusions, and exclusions under all Star Health pregnancy covers. Furthermore, we will help you choose the best one as per your needs and requirements.