Star Women Care Insurance Policy
A health insurance policy exclusively for women and their families
The Star Women Care Insurance Policy is a first-of-its-kind health insurance plan designed specifically for female policyholders, offering them and their loved ones enhanced healthcare protection. This policy goes beyond traditional plans by covering maternity, assisted reproduction, critical illnesses like cancer, newborn care, and even OPD consultations, ensuring a comprehensive health net.
Whether you’re managing your family, pursuing your career, or planning to start a family, this policy offers tailored coverage that supports your needs across all life stages.
Key Features & Unique Benefits
🩺 Mid-Term Inclusions
- Add newly married spouses, newborns, or legally adopted children during the policy term.
- Applicable waiting periods start from the date of inclusion.
🤰 Maternity & Newborn Care
- Covers normal and C-section delivery expenses (up to two deliveries).
- Includes prenatal, postnatal, and vaccination costs up to 12 months.
- Newborn hospitalization and metabolic screening test (up to ₹3,500) covered.
🧬 Assisted Reproduction & Surrogacy
- Covers subfertility treatments, surrogacy, and Oocyte donor procedures as per limits.
- Includes In Utero Fetal Surgery with a defined waiting period.
🧘♀️ AYUSH & Modern Treatments
- In-patient care in AYUSH systems (Ayurveda, Unani, Siddha, Homeopathy).
- Modern treatments like robotic surgeries, oral chemotherapy, intra-vitreal injections, and more.
🚑 Ambulance & Hospitalization
- Covers road and air ambulance charges.
- Room rent eligibility increases with higher Sum Insured tiers.
- Shared accommodation and single room for mothers during child ICU stays are covered.
Policy Highlights
Feature | Details |
Policy Type | Individual / Floater |
Entry Age (Individual) | 18 – 75 years (females only) |
Entry Age (Floater) | Female adult (18–75 yrs) + 3 dependent children (91 days–25 yrs); unmarried/unemployed daughters up to 30 yrs |
Sum Insured Options | ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr |
Policy Terms | 1, 2 or 3 years |
Pre-Medical Test | Not required, except for pregnant women (scans at 12th & 20th week) |
Premium Payment Options | Quarterly, Half-yearly, Annual, Biennial, Triennial |
Extensive Hospitalisation Coverage
Star Women Care Insurance Policy offers extensive support during hospitalization:
- In-Patient Hospitalisation: Expenses beyond 24 hours including room, nursing, and boarding.
- Pre-Hospitalisation: Medical costs up to 60 days before admission.
- Post-Hospitalisation: Covered for 90 days after discharge.
- Room Rent: 1% of SI per day (₹5L plan) or any non-suite room (₹10L+ plans).
- Organ Donor Costs: Both recipient and donor expenses, including complications.
Outpatient, Preventive & Lifestyle Support
- Unlimited Gynaecologist e-Consultations via the Star Telehealth App.
- OPD Medical Consultations for female policyholders.
- Preventive Health Check-Ups once per year.
- Voluntary Sterilisation (Tubectomy/Vasectomy) after waiting period.
- Rehabilitation & Pain Management up to 10% of SI.
Special Cancer Protection (Optional Benefit)
As an optional lump sum benefit, Star Women Care also offers financial support for the first-time diagnosis of cancer, such as:
- Breast cancer
- Cervical cancer
- Ovarian or uterine cancer
- Vaginal cancer
This lump sum payment ensures financial stability and faster recovery during a critical time.
Additional Advantages & Bonuses
- Cumulative Bonus: 20% of SI per claim-free year (up to 100%).
- Automatic Restoration: 100% SI restored after partial/full use in same policy year.
- Star Mother Cover: A/C room coverage for mothers of ICU-admitted children (<12 yrs).
- Daycare Procedures: All listed minor surgeries covered without 24-hour stay.
- Non-Medical Items: Payable if part of admissible claims (List 1 items).
- Long-Term Discounts:
- 10% off for 2-year policy
- 11.25% off for 3-year policy
- 10% off for 2-year policy
- Wellness Rewards: Earn wellness points and use them for premium discounts.
Eligibility & Waiting Periods
- No pre-policy medical tests (except for pregnancy-related scans).
- Waiting Periods: Applicable for maternity, critical illnesses, and other select benefits.
- Coverage Activation: From date of policy issue or inclusion for new members.
- Surrogacy & Oocyte Donor Covers: Specific waiting and time-bound limits apply.
Things to Keep in Mind Before Buying
✅ Buy Early
Start early to avoid pre-existing condition waiting periods.
✅ Know Your Family History
Choose higher coverage if hereditary diseases like diabetes or heart issues run in the family.
✅ Opt for Maternity Coverage
Select plans that include maternity, subfertility, and newborn care benefits.
✅ Look for Tax Benefits
Under Section 80D, premiums paid are tax-deductible up to ₹25,000–₹50,000.
Why Choose Star Women Care Policy?
With a tailored focus on the unique healthcare needs of women, this policy empowers policyholders with customized protection, financial independence, and access to modern care technologies. Whether you’re planning a family, managing chronic health, or simply prioritizing your well-being — Star Women Care is your trusted health companion.
Key Benefits of Star Women Care Insurance Policy
✅ In-Patient Hospitalization Coverage
- Covers hospital stays exceeding 24 hours due to illness, injury, or surgery.
- Room rent limits vary by Sum Insured, with higher plans offering any room except suite.
✅ Maternity and Newborn Care
- Delivery (normal or C-section) costs, pre- and post-natal included, up to two deliveries.
- Covers newborn hospitalization and vaccinations for up to 12 months.
- Congenital anomalies covered up to 25% of sum insured; 100% if newborn premium is paid.
✅ Assisted Reproduction and Sub-Fertility Treatment
- Covers ART procedures like IVF with a cap, once per year after a waiting period.
- Also includes coverage for Oocyte Donor and Surrogacy-related complications.
✅ Cancer Lump Sum Coverage (Optional)
- Provides a lump sum payout on the first diagnosis of cancer, aiding financial independence during recovery.
Unique Features You Should Know
🟡 Mid-Term Inclusion
Add a newly married spouse, newborn, or legally adopted child mid-policy term with applicable waiting periods.
🟡 Modern Treatments
- Covers Oral Chemotherapy, Robotic Surgeries, Stem Cell Therapy, and more.
- Limited to 12 high-end treatments as specified.
🟡 Utero Fetal Surgery Coverage
Includes advanced in-utero procedures like fetal surgery, EXIT procedures, and more—crucial for high-risk pregnancies.
🟡 Accidental Miscarriage Compensation
Offers a lump sum payout for miscarriage caused by an accident (once per lifetime after waiting period).
Other Covered Medical Expenses
- OPD Consultations: Unlimited gynecologist access via Star Telehealth App + physical consultations.
- Ambulance Charges: Includes air ambulance (10% of SI) and road ambulance if hospitalisation is approved.
- Post-Hospitalization: Expenses covered up to 90 days post discharge.
- Pre-Hospitalization: Covers costs incurred 60 days prior to admission.
- Rehabilitation & Pain Management: Covered up to 10% of SI or sub-limit.
Final Thoughts: Secure Her Health. Secure Her Future.
Women aren’t just caretakers—they’re the backbone of families, professionals building careers, and individuals with unique healthcare needs. The Star Women Care Insurance Policy isn’t just another health plan. It’s a dedicated safety net designed for the challenges only women face—from maternity to menopause, from fertility treatments to cancer care.
If you’re serious about protecting your health—or the health of the women you love—don’t wait until it’s too late. The longer you delay, the longer the waiting periods, and the harder it becomes to access the benefits when you truly need them.
✅ Maternity? Covered.
✅ Newborn? Protected.
✅ Fertility treatment? Included.
✅ Cancer? Financially supported.
✅ Women-specific surgeries? Absolutely.
Make the smart move today.
📞 Call your trusted Star Health Insurance Agent at [7347595768] to discuss your needs and get expert help choosing the right plan option.
Your health deserves priority—and with this policy, you’re finally putting you first.
FAQ
Key waiting periods include:
- 36 months for assisted reproductive treatments
- 24 months for certain gynecological procedures
- 30 days for general illness
- No waiting period for maternity if not already pregnant
Star Health’s policy clearly defines these in the brochure—clarity ensures confidence.
You can easily buy the policy through an authorized Star Health agent. For expert guidance, policy customization, and a smooth buying experience:
📞 Call Star Health Insurance Agent now at [7347595768]
They’ll walk you through every step and help choose the right sum insured and benefits for your needs.
