Star Women Care: maternity, waiting periods and benefits
Star Women Care (UIN SHAHLIP23132V022223) covers delivery after 24 months at ₹5 to 10 lakh sum insured, or after 12 months from ₹15 lakh. Pre-existing diseases and listed illnesses both wait 24 months. The room is 1% of the sum insured a day at ₹5 lakh, any room except a suite at ₹10 to 25 lakh, and any room at ₹50 lakh and ₹1 crore. It has no co-payment.
Room limit by sum insured
| Sum insured | Room the wording allows |
|---|
| ₹5 lakh | Up to 1% of the sum insured a day |
|---|
| ₹10, 15, 20 and 25 lakh | Any room except a suite or above |
|---|
| ₹50 lakh and ₹1 crore | Any room |
|---|
Pregnancy and fertility cover
- Delivery, normal or caesarean, up to the limit in the wording for your sum insured, for up to 2 deliveries in a lifetime.
- Wait for delivery: 24 months at ₹5 to 10 lakh, 12 months at ₹15 lakh and above.
- Assisted reproduction treatment, after a 36-month wait, with yearly caps.
- Ante-natal care and in-utero fetal surgery are also listed.
Bonus and restore
- Cumulative bonus: 20% of the sum insured a year, up to 100%. A partial claim does not reduce it.
- Restoration: 100% of the sum insured once a year after partial or full use, for later stays.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 24 months. |
|---|
| Listed illnesses and surgeries | 24 months. |
|---|
| Delivery | 24 months (₹5 to 10 lakh) or 12 months (₹15 lakh and above). |
|---|
Frequently asked questions
What is the maternity waiting period in Star Women Care?
24 months for sum insured of ₹5 to 10 lakh, and 12 months for ₹15 lakh and above.
Does Star Women Care have a room-rent limit?
At ₹5 lakh, room rent is up to 1% of the sum insured a day. From ₹10 lakh it is any room except a suite, and from ₹50 lakh any room.
Does Star Women Care cover IVF?
It covers assisted reproduction treatment after a 36-month wait, with yearly limits.
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Where this comes from
- Star Women Care Insurance Policy wording, UIN SHAHLIP23132V022223. Clauses Section 1 room table, delivery and ART sections, cumulative bonus, automatic restoration, waiting periods 1 to 3, Excl01, Excl02.
Checked against the wording on 2026-10-09.
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