Star Health Insurance Introduces Surrogacy Cover and Oocyte Donor Cover at No Additional Premium

Ø Star Women Care Insurance Policy will now provide cover for inpatient hospitalization expenses covering post-partum delivery complications for a period of 36 months incurred for the Surrogate mother

Ø Policy will now provide cover for inpatient hospitalization expenses for the complications arising out of Assisted Reproductive Treatment Procedures, for the Oocyte donor for a period of 12 months

Ø Surrogacy Cover and Oocyte Donor Cover will be available to all policyholders at no additional cost to the customer.

Bangalore, 09 October 2023: India’s first standalone health insurance company Star Health and Allied Insurance Co. Ltd., introduces Surrogacy Cover and Oocyte Donor Cover in its popular women centric policy, Star Women Care Insurance Policy. This addition is a significant cover that addresses a growing need under Assisted Reproduction Treatment, bringing health insurance cover to surrogate mothers and Oocyte donors while also providing peace of mind to expectant couples. Star Health has included these covers at no additional cost to policyholders.

The policy offers inpatient hospitalization coverage for post-partum delivery complications incurred by the surrogate mother for a 36-month period under the Surrogacy cover. Additionally, Star Health Insurance now provides Oocyte Donor coverage, indemnifying inpatient hospitalization expenses for complications arising from Assisted Reproductive Treatment for a 12-month period.

Surrogacy cover will commence from the date of initiation of the treatment or procedure. In the unfortunate case of a “Miscarriage due to Accident”, Star Health will pay a lump sum amount to the surrogate mother in accordance with the terms of the policy.

Commenting on the addition to the policy, Anand Roy, MD and CEO, Star Health and Allied Insurance Co. Ltd. said, “We are happy to announce the inclusion of Surrogacy Cover and Oocyte Donor cover in our Star Women Care Insurance Policy, reaffirming our commitment to women’s health and well-being. This addition reflects our dedication to continually enhancing our policies to meet the evolving healthcare needs of our customers. The policy is meticulously crafted to cater to women’s unique needs at every stage of their lives, offering them reassurance and easing concerns about escalating medical expenses. “

The policy requires that certain terms & conditions are followed for the cover to be applicable, namely, the intending couple, surrogate mother and treating hospital must adhere to the guidelines of the Surrogacy Act and ART Act. Also, Surrogacy and Oocyte donation should be carried out at recognized centers registered with the National ART and Surrogacy Registry.

“With this enhancement and our ongoing commitment to innovation, we empower women to take control of their health insurance needs, resting assured that they have access to the best possible medical care,” added Roy.

Customers need not undergo any premedical tests to avail the Star Women Care Insurance Policy. The policy comes with a host of special features such as no pre-acceptance medical screening, midterm inclusions, facility to purchase policy during pregnancy, pregnancy care treatment, In-Utero fetal surgery surgeries, hospitalization expense of newborn baby, vaccination, pediatrician/medical consultations, preventive health check-up, and much more.

Through this policy, mothers can also provide health cover for their new-born child / children. Under the policy, a new-born will gain health cover of up to 25% of the Sum Insured from Day 1 and 100% of Sum Insured from the next subsequent year onward. The policy’s Star Mother Cover feature, even covers the hospital room rent of the insured mother if the insured child is less than 12 years old and is hospitalized in the ICU.

Key Features of Star Women Care Insurance Policy:

· Surrogate Mother Cover: Cover for adults 25 years to 35 years (Proposer has to be one of the intending couple)

· Oocyte Donor Cover: Cover for adults 25 years to 35 years (Proposer has to be one of the intending couple)

· Sum insured available up to Rs. One Crore ;

o Type of Policy – Individual Sum Insured only for females aged between18 years to 75 years

o Floater Sum Insured – Adult 18 years to 75 years with at least one female in the family along with the spouse and dependent children

· Coverage – In-patient hospitalization, Delivery, Day Care treatment, Road Ambulance, Air Ambulance, Organ Donor Expenses, and Pre & Post hospitalization expenses

· Additional benefits include AYUSH Treatment, Rehabilitation and pain management, Ante-Natal Care (Pregnancy Care), In Utero Fetal Surgery/Repair, Bariatric Surgery, Optional Cover (Lump sum on diagnosis of Cancer), Coverage for modern treatments, Medical and Tele-Health consultations.

· Covers the Outpatient medical expenses from day one

· Automatic Restoration of Basic Sum Insured once by 100% upon partial or full utilization of the sum insured.

Policy Benefits Include:

· Health Check-up benefit for each policy year

· Hospitalization expenses for treatment of New Born Baby

· Cumulative bonus of 20% of the expiring sum insured for each claim-free year up to a maximum of 100% of the basic sum insured

· Star Mother Cover covers the insured mother room rent (to stay with her child in the same hospital), of the Insured Child is less than 12 years old and hospitalized in the ICU

· Assisted Reproduction Treatment cover sub-fertility treatments like IVF, up to specified limits

· Rehabilitation and Pain Management Expenses covers up to the sub-limit or 10% of the sum insured

· Delivery Expenses including C-section up to 2 deliveries in the lifetime up to the specified limits.

· Hospitalization Expenses for the New Born Baby include medical and surgical treatment, vaccination up to 12 months, Metabolic screening, and pediatrician consultation (up to 4 consultations)

· Star Wellness Program incentivizes and rewards the insured through various wellness activities. The insured person can earn wellness reward points to get a discount in premium

The Star Women Care Insurance Policy is available as both an individual policy and a floater policy to all females from 18 years up to 75 years of age.