Star Health Insurance

As we know health is wealth. And with the same belief Star Health has offered a wide range of products so that the customer can choose any plan. Star health is very popular insurance provider in the insurance industry. Star Health insurance products are available at an affordable price. Star Health has in-house claims team and hence lesser time for claims processing. Star Health has more than 8000+ network of hospitals which they can cater their policy holder needs. Some of the popular plans of Star Health are Star Health Family Health Optima for family and a floater policy. Star Health insurance for senior citizens red carpet, Star Health insurance for diabetes, Star Health's Star Comprehensive Insurance Policy and more.

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  • Inpatient hospitalization/treatment
  • Pre-hospitalization and Post-hospitalization Expenses
  • Pre-existing diseases are included subject to prior coverage by a domestic insurer; usually for the four years preceding policy inception
  • Floater Basis and Individual Basis
  • Reinstatement of sum assured

Star health insurance plans

Comprehensive Plan

  • No capping on room rent - Treatment at Single Standard A/C room.
  • Medical expenses incurred on Bariatric surgical procedures and its complications are covered.
  • Automatic restoration of entire Sum insured by 100% upon complete exhaustion.
  • Expenses for maternity and new born baby covered after 3 years waiting period.
  • 405 day care procedures covered.
  • Out-patient consultation (other than dental and ophthal) covered.
  • Second medical opinion from the star health panel of doctors.
  • Policy is available up to 65 years, can be renewed life-long.
  • Coverage for Pre-existing disease after 4 years of continuous coverage.
  • Cover for Accidental Death and Permanent Total Disablement.
  • Hospital cash benefit.
  • Air ambulance assistance for higher sum insured.
  • Domicilary treatment exceeding 3 days covered.
  • 50 / 100% No claim bonus for every claim free year depending on sum insured.
  • Income tax benefit under section 80-D.

Family Health Optima

  • A single floater policy covers entire family with a affordable premium.
  • No Medical reports needed for age up to 50 years and with clean proposal form.
  • 3 times Automatic restoration of Sum insured by 100% each time upon complete exhaustion.
  • Recharge benefit once during the policy period.
  • No claim bonus for every claim free year.
  • Cover for Assisted Reproductive Treatment
  • Coverage for new born baby from the 16th day.
  • Second medical opinion from the star health panel of doctors.
  • Domicilary treatment exceeding 3 days covered.
  • Cover for expenses incurred on in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.
  • All day care procedures covered.
  • Policy is available up to 65 years, can be renewed life-long.
  • A grace period of 120 days from the date of expiry of the policy is available for renewal.
  • Coverage for Pre-existing disease after 4 years of continuous coverage.
  • Income tax benefit under section 80-D.

Medi - Classic policy (Individual)

  • Cashless hospitalization .
  • No Medical reports needed for age up to 50 years and with clean proposal form.
  • Automatic restoration of Sum insured by 200% upon complete exhaustion of base sum insured for individual policies.
  • No claim bonus of 5% for every claim free year up to 25% for individual policies.
  • 101 day care procedures covered.
  • Policy is available up to 65 years, can be renewed life-long.
  • Coverage for Pre-existing disease after 4 years of continuous coverage.
  • Health Checkup costs up to Rs.5,000/- for every block of 4 claim free years.
  • Income tax benefit under section 80-D.

Senior Citizen Red Carpet

  • For Senior citizens aged between 60 to 75 years.
  • No pre-insurance medical test required.
  • Covers pre-existing diseases from the second year onwards.
  • Medical Consultations as an Out Patient in a Network Hospital.
  • Higher Sum Insured coverage up to Rs.10 Lakhs.
  • Guaranteed lifetime renewals.

Diabetes Safe

  • Covers hospitalization expenses for complications of Diabetes, both type 1 and type 2 and other than complications of diabetes
  • Policy can be taken on Individual and Floater basis.
  • Two Plans are available – Plan A and Plan B.
  • Plan A – Pre-acceptance medical screening is compulsory.
  • Plan B – There is no pre-acceptance medical screening.
  • No Waiting Period for Plan A. 15 months waiting period for Plan B.
  • Out Patient expenses – for Medical consultations, Diagnostic tests, medicine and drugs
  • Compensation for Accidental Death of the chosen insured person
  • Donor expenses for kidney transplant surgery
  • Dialysis expenses @ Rs.1000/- per sitting up to 24 months
  • Cost of artificial limbs due to amputation up to specified limits.
  • Automatic restoration of entire Sum insured
  • More than 400 day care procedures covered.

Cardiac Care

  • This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases.
  • This policy has two Plan options – Gold Plan and Silver Plan
  • Silver Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related complications that necessitate surgery/intervention
  • Gold Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related complications that necessitate medical management, surgery/intervention.
  • Under both the Plans regular hospitalization is covered under Section 1 and all Cardiac related ailments are covered under Section 2.
  • Out Patient Benefit is available
  • Personal Accident: Accidental Death Cover
  • No Pre acceptance medical screening.
  • 405 day-care procedures covered.

HealthGain

  • Health insurance policy that covers both Outpatient expenses & inpatient expenses
  • Option to choose premium to be paid and Sum Insured required
  • Premium options: Rs.15000/-; Rs.20,000/-; Rs.25,000/-; and Rs.30,000/-( applicable GST extra)
  • Sum Insured options(for inpatient hospitalization): Rs.1 lakh, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs and Rs.5 lakhs
  • Sum Insured Type option : Individual and Floater
  • Policy term: One year

Criticare Plus

  • Cover for 9 specified critical illness.
  • Lumpsum payment on diagnosis of critical illness.
  • No survival period.
  • Also covers regular hospitalization.
  • Cover for non-allopathic treatment up to specified limit
  • On payment of lumpsum, the cover will continue until expiry of the policy for regular hospitalization.

Super Surplus (ADD ON PLAN)

  • A Top up policy providing higher sum insured at a very affordable premium.
  • Pre-existing diseases covered after 36-months waiting period.
  • No pre-acceptance medical screening required.
  • This policy can be taken on Individual Basis and also on Floater basis.
  • The policy offers two plans: Silver Plan and Gold Plan

Family Delite

  • Affordable health insurance policy for the family.
  • Sum insured on Floater basis.
  • Cover for pre-hospitalization and post hospitalization.
  • Cover for specified day care procedures.
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