Star Health Insurance with Maternity Benefits

Star Health Insurance with Maternity Benefits 

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A few years back, maternity cover was available only with group health insurance or corporate health policies. However that has changed in the recent years with maternity cover being offered by many insurers. Star Health is among the well known health insurance brand which also provides maternity coverage with its plan- Wedding Gift.

Star Health Wedding Gift is a health insurance plan which covers hospitalization expenses including maternity cover. There is waiting period of 36 months before maternity expenses are covered. The waiting period can be reduced to 24 months if policy is opted for period of 4 years.

Maternity coverage Includes:

Delivery including pre and post natal cover

This includes expenses for one child delivery only be it caesarean or normal delivery. The pre and post natal expenses are also covered along with post delivery complication for mother.

New Born Baby Cover: This covers hospitalization expenses for new born baby including congenital disorders or defects.

Miscellaneous:

Also provides cover for expenses incurred for detecting any disorders in the foetus up to Rs 1000/- after waiting period of 27 months.

There are two options with Star Health Wedding Gift:

Option 1: The Sum Assured is Rs 3 lacs. The maximum limit for child delivery expenses are Rs 15,000 for normal delivery and Rs 20,000 for caesarean delivery. The hospitalization cover of new born baby is Rs 30,000. In New Born baby cover, in case of Down’s syndrome  and cerebral palsy, lump sum payment of Rs 60,000 will be payable.

Option 2: The Sum Assured is Rs 5 lacs. The maximum limit for child delivery expenses are Rs 20,000 for normal delivery and Rs 25,000 for caesarean delivery. The hospitalization cover of new born baby is Rs 50,000. In New Born baby cover, in case of Down’s syndrome  and cerebral palsy, lump sum payment of Rs 100,000 will be payable.