Star Health offers insurance for kids diagnosed with autism

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Star Health Insurance is looking forward to launch an insurance plan exclusively for kids with Autism. Star Health Insurance Company has open India’s first insurance policy for children with autism spectrum disorder (ASD). Star Health will cover to children suffering from ASD up to Rs. 1 lakh. This policy eligible is between 3 and 25 years of age who have been diagnosed with autism for sum of Rs three lakh.

What health care covers in this policy?

It is a unique cover which is not offered by any other insurance company.  At present, health insurance provides coverage for any future medical expenses related to Autism.  Autism is another disease that star health insurance introduces similar products. This plan especially for children who are suffering from autistic disorders.

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Most of other insurance company products cover pre-existing diseases only after 4 continuous years of policy renewal. However, this policy also offers coverage for all in-patient and out-patient treatments such as therapies, behavioral therapy, physiotherapy, occupational therapy and speech therapy. Also read IRDI issues rule on Private Equity Investment in Insurance Companies

How do I get health care services covered under Autism?

Also it contains in-patient medical management and surgical are linked with autism. It treats for seizures, soft tissue and bony injuries, surgical and medical procedures for spasm of muscles and infectious diseases. Company will cover children under this policy for period April 2016 to March 31, 2017.

Is there any pre-medical check-up needed for patient

There is no pre-medical check-up needed. You can avail policy based on diagnosis and treatment. Star health also gives you group policy for autistic children in 2016 which are linked with local NGO in Chennai for period of one year. Apart from this, star health has covered 241 children from Chennai-based NGO under this insurance.

On other hand, policy covers general medical and surgical therapies for that it requires admission to hospital. Keeping this in mind, star health insurance company bring out products that will provide special and specific needs to individuals, who are neglected by health insurance industry. Check LIC Jeevan Shiromani Insurance Plan 847 features and benefits

What causes autism spectrum disorders?

Health insurance is not privilege but basic need in today’s world. Taking into consideration, this product has launch to reduce hassle to undergo while availing policy or making claim. And also you will get best benefits out of it. Also read Star Health Insurance to Launch Insurance Plan for Cancer Patients

According to 2011 data, nearly 2.2 million kids between 2-9 age-group in India living with autism spectrum disorder. Importantly, the plan does not require any pre-insurance medical checkups for any age. Besides covering conditions related to autism, this policy will act as regular mediclaim policy.

What services does autism require insurers to cover?

Most health insurance policies have an initial waiting period of 30-90 days. In this policy, there is no waiting period and pre-existing diseases are covered from day one. Children with condition such as ASD are prone to fractures and sprains. It also acts as support system for parents who want proper treatment and care for their children suffering from ASD.

An autistic child or his parents cannot buy this cover then group of autistic children will have to come together through self-help group and after that you approach insurer.  Finally, with all insurance policies, check terms and conditions in policy document to make sure that you fulfill them and to save yourself and your kid hassles of claims.

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