Star Health and Allied Insurance Company Limited
Star Women Care Insurance Policy
UIN SHAHLIP23132V022223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
99.06%
PED waiting
24 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 90 days
Network hospitals
14,000+
Free look
30 days
What this plan does well
- 24-month PED waiting (vs 36 industry standard) — DEALBREAKER ADVANTAGE
- Maternity benefits in base (delivery, ante-natal, miscarriage)
- Newborn Day 1 incl. congenital external defects (uniquely strong)
- Star Mother Cover — single private A/C for mother when child in ICU
- Assisted Reproduction with Surrogacy + Oocyte Donor Cover
- In Utero Fetal Surgery (4 types)
- Voluntary Sterilization covered (24-mo wait)
- Gender-specific preventive health check-up matrix (age × gender)
Watch out for
- Proportionate deduction on room cap breach
- Modern Treatments sub-limited (50% of SI per procedure)
- Delivery sub-limited (₹25K-1L) — modest amounts
- No CB mechanism
- Air Ambulance sub-limited to 10% SI
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.