You can purchase this plan while buying or incepting the health policy under Star Health or while renewing your existing policy with the same.

This add-on comes with two different sections. The policyholders have the choice of opting for either of the two sections that are mentioned below:-

Section 1:- Coverage options availability

• Enhanced Room Rent
• Claim Guard (Coverage for Non-medical Items)
• Enhanced Limit for Modern Treatments
• Enhanced Limit for AYUSH Treatment
• Home Care Treatment
• Bonus Guard

Section 2:- Coverage options availability

• Option to Choose Aggregate Deductible (discounts on premium according to the listed policy clause)

Benefits of Star Extra Protect Add-on Cover Insurance

On purchasing an individual or family floater-based health plan, it is mandatory to purchase this add-on cover. Below are the benefits of buying it:-

• Bonus Guard

  The cumulative bonus under the base health plan will be stable if you have not utilized it. Any discounts on payable premiums will be imposed on policy renewal or transfer of policy under the same options of Star Health Insurance (aforesaid).

• Enhanced Room Rent Limit

  The room rent limit, expenses for hospitalisation beyond the coverage in your base policy, and nursing, and boarding expenses get maximum coverage with the plan.

• Modern Treatment

  Modern treatments like robotic surgery, stem cell therapy, and others in inclusion with the base health policy are subject to compliance with add-ons along the sub-limit clause.

• Claim Guard

  If non-medical expenses or consumables such as; baby food, laundry, braces, etc (if admissible) are a content of your base plan, you'll get the claim amount for such items. This add-on cover will protect the chances of claim rejection for non-medical expenses.

• Home-care treatment

  Treatment done under home care is subject to a maximum of 10% of the base SI or up to INR 5 Lakhs in a policy year. This criterion is only applicable to the home-care treatments scheduled under your plan.

• Aggregate Deductible Option

  You can avail of a discount on the payable premiums if you choose any listed category of deductible clause in the base health policy.

• Tax Benefits

  All the premiums paid towards Star Extra Protect are eligible for tax benefits under Section 80D of the Income Tax Act 1961, depending on the tax relief under your base health policy.

• How To Claim Star Extra Protect Add-On Cover?

  To avail of a claim settlement against the base policy over the Star Extra Protect plan, here are the guidelines you've to follow:-

  • Visit the official website of Star Health Insurance
  • Click on the 'Claim' button on the header of the official website, followed by 'Claim intimation.'
  • For claim intimation, the official website has a pre-authorized form that you can fill in with details like name, contact number, email, policy number, city, and product name and click on the 'Submit' option.
  • You can reach out to your insurer on the toll-free number 044 4002 0888 or 1800 425 2255 or email support@starhealth.in the details like claim number/reference number and other claim-related queries.