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Star Health Insurance provides a plethora of health insurance plans that take care of all your health- related needs. Established in 2006, Star Health and Allied Insurance Company Limited specializes in providing Health Insurance, Overseas Mediclaim Policy and Personal Accident. With more than 440 plus branches across the globe, this insurer has more than 8800 plus hospitals offering cashless payment facility.
Interesting Facts of Star Health Insurance
As the name suggests, the plan is meant for the whole family. It is a single policy offering wider coverage at an affordable premium. Any person between the age of 18 and 65 can take this plan and it offers lifelong renewals beyond the age of 65. For every claim-free year it offers free health check-up benefit. It has auto recharge facility with no extra cost. A new born baby is covered from the 16th day under this policy. The policy offers cover for all day care procedures.
This is a single policy which comes with a wider coverage for your entire family at an affordable premium.
This policy is specially meant for senior citizens between the ages of 60 to 75. It does not require any pre-insurance medical test. The policy covers pre-existing disease from the second year onwards. The plan has high sum insured of up to 10 lakhs and has guaranteed life time renewals. If the policy is bought online then a 5% discount can be availed on premium payable. A health plan designed especially for senior citizens and comes with an option to select Sum Assured of Rs. 10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- or Rs.25,00,000/- on floater basis.
Age at entry is 60 to 75 years.
It is a top policy offering high sum insured at affordable premium. The policy can be taken on individual or family floater basis and eligibility age is between the ages of 18 to 65 years. Pre-existing diseases are covered after a waiting period of 36 months. The policy has two plan options- silver and gold. This is a top-up policy which provides a higher sum assured at affordable premiums. This plan comes in two variants - Silver and Gold.
Sum Insured on Floater Basis for Silver Plan
Sum Insured on Individual Basis for Gold Plan
This policy is meant for both individual and family covering spouse and dependent children. Any person between the ages of 18 to 65 can enrol in this plan. Dependent children can be covered from 3 months and up to 25 years. There is no cap on room rent and treatment cost. The plan covers for over 400 day care procedures. The plan also has personal accident death and permanent disability equal to - health insurance cover at no extra cost. The policy has an attractive 100% increase in sum assured on renewal for claim free year.
Individual coverage Medi-classic is an insurance policy meant only for individuals. The policy can be taken by any person between the ages of 5 months and 65 years. The plan has automatic restoration of entire sum insured by 200%. 101-day care procedures are covered and no claim bonus of 5% which can go to maximum of 25% for every claim free year. Pre-existing diseases are covered after a waiting period of 48 months and policy can be taken by HIV positive person as per applicable conditions. Features
This policy can be taken by HIV positive persons provided the CD4 count at the time of entry is above 350 (proof to be produced). Optional add-on covers include Patient Care and Hospital Cash. Eligibility
Star Gain Health Insurance Policy
It is a health insurance policy that covers both individual and family. The plan covers both inpatient and outpatient treatments. Any person between the ages of 5 months and 65 years can take this plan. No claim discount of up to 10% is available on renewal. Features
This health plan is a special two-year plan for individuals. Any persons between the ages of 18 to 65 years can take this policy. Pre and post hospitalization expenses are paid as per set limits. The premium for the policy can be paid in two installments.
Star Criticare Plus
This policy covers 9 specified critical illnesses. Lump sum payment is made on diagnoses of critical illness. It covers for non-allopathic treatment up to specified limit. The policy can be taken by an individual between the ages of 18 years and 65 years.
Star Diabetes Safe Insurance Policy
This policy is specially designed for diabetic patients. It covers hospitalization expenses for hospitalization due to diabetes both type 1 and 2. The policy can be taken both individual as well as floater basis. Two plans A and B are available in the policy. There is no waiting period for plan A but plan B has a 15-month waiting period. It covers more than 400 day care procedures and automatic restoration of entire sum insured. It also includes cost of artificial limbs up to specified limits.
The plan comes in two options - A and B. The former is where Pre-acceptance medical examination is required for all persons and the latter is where no pre-acceptance medical screening is required.
Star Family Delite Insurance Policy
It is a health insurance plan for the family covering self, spouse and dependent children. It can be taken by any persons between the age of 5 months and 65 years. The policy covers pre and post hospitalization expenses and also specified day care procedures.
Star Health Gain
This is family floater plan with outpatient benefit coverage. Given below are the details of coverage offered: This is a family floater plan, which covers health costs of the entire family in the range of INR Rs.1 lakh and Rs.5 lakh A maximum of 2 adults and 3 children in the family between age 5 months and 65 years can be covered under this policy. The plan has outpatient benefits along with general benefits. Features
Star Wedding Gift
This plan covers expenses related to child delivery i.e. both Normal and Caesarean along with cover for new born baby. It covers regular hospitalization and also provides cover for non-allopathic treatment up to specified limit. The policy is available for 1 and 2 year term and no pre medical screening is required. The policy can be taken by any couple between the ages of 18 to 40 years.
Star Health Insurance Care Plan
This plan is available for individual or for his/her family. It has cover for pre and post hospitalization. It also offers hospital cash benefit if treatment is done from government hospital. The policy is available for any person between 18 years and 65 years of age living in Tier 1 and Tier 2 cities in India. Whole life renewal is available in this policy.
This is a special insurance policy for heart patients between the age of 10 years and 65 years. The policy has two plan option of Gold and Silver plan. It covers 405 day care procedures. Pre-and post hospitalization expenses covered up to specified limits.
Star Cancer Care Gold
This is the first insurance product for person diagnosed with cancer illness. There are two sum insured available INR 3 and 5 lakhs. - Entry age is 5 months to 65 years. The tenure of the policy is 1 year. The policy can be taken by individual in which he can cover - self/ Spouse/Dependent Children/ Dependent Parents.
Star Micro Health Insurance
It is a basic health care insurance for an affordable price. It covers ambulance charges for transportation of the insured person and covers for hospitalization expenses up to specified limit. The plan is available for any person between the age of 5 months and 65 years. This plan caters specifically to people residing in Tier I and Tier II places.
Star Health Insurance Netplus
This is a special policy for HIV+ infected persons. Governmental agencies, NGOs and registered societies serving persons diagnosed as - HIV positive can offer their members/beneficiaries for this insurance.
Eligibility Governmental agencies, NGOs and registered societies serving persons diagnosed as HIV positive can propose their members/beneficiaries for this insurance.
A plan designed to provide medical insurance cover for children diagnosed with Autism disorder.
Here are a few salient benefits of Star Health insurance Mediclaim plan:
Pre-existing diseases are covered after 48 months of continuous insurance with any Indian Insurance Company. In terms of Pre and Post Hospitalisation:
Pre-hospitalization medical expenses up to 30 days prior to the date of admission.
Post-hospitalization up to 60 days from the date of discharge from the hospital. The amount payable shall not exceed the sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/-.
Following are a few exclusions of Star Health Insurance
During the First two Years of continuous operation of insurance cover,
Note: For the complete list of exclusions please read the policy brochure here.
Awarded as the Best Health Insurance Company 2017 by National Awards for Marketing Excellence, Star Health has come far as an 11 year old stand-alone health insurance company.
Being a stand-alone health insurance company with customers being at the core of their service. It offers a range of comprehensive health products for individuals, families, and special plans for diabetic and cardiac patients, and senior citizens.
Star Health Insurance is considered amongst the most trusted health insurers.
Here are few reasons to choose Star Health Insurance Co. Ltd. as your health insurance provider:
You can simply apply online to opt for any of the health insurance policy and buy online.
Visit Star Health Insurance's website, choose an appropriate health policy. Fill up the details of all the insured person for whom you are planning to buy, and with the premium calculator, you will be able to see quotes instantly. Check all the plan details, see all the inclusions and exclusion of the plan. Once you decide to buy a particular plan, you can directly pay the premium online on the website or visit the nearest office of Star Health Insurance along with the filled up form.
Critical factors before buying a health policy from Star Health Insurance Company:
Star India Health Insurance offers simple and convenient ways to make your premium payment online. Simply visit the official e-Portal of Star India Health Insurance at retail.starhealth.in/renewal and you will be required to policy number and registered date of birth. Post submission, you will be directed to your policy details where an option will be given to pay the premium online via debit/credit/net banking. This process is applicable for both - purchasing a new policy or renewal.
Mentioned below are the documents required to claim Star Health Insurance Plan:
To renew your existing policy with Start Health, simply visit the official website of the same and login with your registered ID and password. Additionally, you will be required to submit your policy number and insured DOB. Then, you will be asked to make the premium payment via debit/credit/net banking. Post payment, you will get an instant notification that your policy has been renewed. This is the same process for new premium payment.
Combi Plans offered by Star Health and Allied Insurance & India First Life Insurance
Plans offered by Star Health and Allied Insurance Co Ltd under Travel Category
Plans offered by Star Health and Allied Insurance Co Ltd under Personal Accident Insurance
It certainly doesn’t make sense to risk your own health by not buying health insurance. Medical inflation too has reached sky high, thereby making health insurance a must-buy. Star Health Insurance plan will help your hard-earned savings remain intact in case of a medical emergency. With the striking features and benefits that this plan offers, it has become the most eminent and popular health insurance plans, amongst many.
Star Health and Allied Insurance Co Ltd has plethora of health plans to choose. It has health plans for every individual needs. Specific health plans for diabetic, heart, cancer and HIV+ patients are a good addition to their product portfolio. If you are looking for a health care plan Star Health plans are a good choice to consider as they are just focused in this category.
Frequently Asked Questions
Q. How to fill up a Star Health Insurance claim form?
Ans: Download the claim form available on the insurer’s website. All the guidelines are given in the form. There are two parts in the form. Part A to be filled by the policyholder and Part B by the hospital. In Part A of the claim form, one needs to fill up the personal details, insurance history, details of hospitalisation, details of claim, and bank account details.
Q. How to pay Star Health Insurance premium online?
Ans: Visit Star Health Insurance’s website, choose the health policy you want. Fill up the details of all the insured for whom you are planning to buy. With the premium calculator, you will be able to see quotes instantly. Check all the plan details - see all the inclusions and exclusion of the plan. Once you fix up the plan, you can directly pay the premium online on the website. You can pay the premium using net banking, debit card or credit card.
Q. Does Star Health Insurance offer any top up plan?
Ans: Yes, Star Health does offer a top up plan. Star Health’s ‘Super Surplus Insurance Policy’ is a top up policy that offers a high sum insured at a very reasonable premium.
The benefit of having top up policy is that there is no medical check-ups required. However, pre-existing diseases are covered after the completion of 3 years of waiting period. You can add this to your base health insurance plan or even as an individual plan. But claims under such a top up plan is only approved after the policyholder has paid the deduction amount, which can be Rs.3 lakh or 5 lakh depending the type of plan opted.
Q. What is the list of diseases that Star Health Insurance Cover?
Ans: Star Health Insurance covers a list of multiple diseases post a standard waiting period. This is also dependent upon the type of health insurance that you have selected as every policy has its own inclusions/exclusions.
Q. How to check Star Health Insurance Policy Status?
Ans: Simply login to the official website of Star Health with your registered user ID and Password and you will be able to check all your policy related details.
Q. Does Star Health Insurance Cover Lasik?
Ans: No, Star Health Insurance doesn’t offer coverage for any expenses incurred on Lasik or Refractive Error Correction.
Q.I am not an Indian Citizen, can I take health insurance policy with Star?
Ans: Yes, you can be covered by a Star health insurance policy, however, the coverage would be restricted to India only.