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Medi Classic
Individual coverage :
This is the most basic health insurance plan offered by Star Health insurance. The benefits offered under this plan are:
This policy offers coverage in the range of Rs.1.5 Lakh and Rs.15 Lakh for individuals between age 5 months and 65 years.
Besides regular features such as hospital expense cover, ambulance cover, etc. the plan also provides benefits like hospital cash benefit and patient care facility for individuals above 60 years.
Family Floater coverage :
This is a family floater plan, which covers health costs of the entire family in the range of Rs.2 lakh and Rs.3 lakh
A maximum of 2 adults and 2 children in the family between age 5 months and 65 years can be covered under this policy.
Along with commonly available benefits like hospital cover, ambulance charges, etc., the plan provides facilities like hospital cash benefit and a patient care facility for individuals above 60 years.
Star Gain Health Insurance Policy
This plan is advanced compared to Medi Classic. Benefits in this plan are:
It offers coverage in range of Rs.1 lakh to Rs.5 lakh for individuals between ages 5 months to 65 years.
Beyond the regular benefits, this plan also has outpatient’s benefits.
For more information on this policy, please click here.
Star Unique Health
This is only plan, which covers HIV patients under some terms and conditions given below:
This plan offers an individual coverage in range of Rs.1 lakh to Rs.3 lakh for individuals between age 18 years and 65 years.
Policy period is two years, which allows premium payment in installments.
First installment -policy commencement
Second installment - beginning of second policy year.
In this plan, the premium value differs with different locations and there is a copay of 30% (amount to be paid by the individuals themselves for each claim).
The policy covers HIV patients with CD4 count above 350 at the time of buying the policy.
If this plan is ideal as per your requirement please click here to know more about this plan.
Star Super Surplus
Individual Plan :
This is a top-up plan, which covers medical expenses after the expenses exceed the deductible amount. The plan offers basic medical coverage. Some details of coverage offered are:
This policy has a deductible feature (fixed amount to be paid before claiming against the insurance) and is available in three options.
Option I- Insurance of Rs.7 lakh and a deductible of Rs.3 lakh
Option II- Insurance of Rs.10 lakh and a deductible of Rs.3 lakh
Option III- Insurance of Rs.10 lakh and a deductible of Rs.5 lakh
Individual between ages 5 months to 65 years can buy this policy.
Family Floater Plan :
This is a family floater, which covers health costs of the entire family. This plan requires a minimum deductible amount to be paid by the family. The plan is available in two options.
Option I- Insurance of Rs.10 lakh and deductible Rs.3 lakh
Option II- Insurance of Rs.10 lakh with the deductible of Rs.5 lakh
A maximum of 2 adults and 2 children in the family between age 5 months and 65 years can be covered under this policy.
If you want a plan with deductible to cover your higher medical expenses for yourself or your family, know more about Star Super Surplus, please click here.
Star Criticare Plus
This is a benefit plan, which offers lump-sum benefit after the insured is diagnosed with any of the listed critical conditions.
This plan offers an individual coverage in the range of Rs.2 lakh and Rs.10 lakh for individuals between age 18 years and 65 years.
A lump sum amount equal to the sum insured would be paid to the policyholder in the first instance of critical illness claim.
Diseases like chronic kidney disease; major organ transplant etc. are categorized as critical illnesses.
If you want a plan which covers your expenses in addition to those spent on treatment of critical illness then know more about Star Criticare Plus plan.
If you are an individual suffering from heart disease and cardiac care is ideal for your needs know more about it, please click here.
Diabetes Safe
Individual Coverage :
This is a unique plan available only for diabetic individuals.
This plan is for individuals who have diabetes. It offers coverage in the range of Rs.3 lakh and Rs.10 lakh
The plan does not have a waiting period for diabetes-related health issues.
There are two variants of this plan.
Plan A- Has no waiting period. There is a pre-medical examination requirement for this plan. Diseases other than diabetes-related illnesses are covered like all other regular health plans in the market (with applicable waiting periods as defined in the policy)
Plan B- Has a waiting period of 30 days but no pre-medical examination is required. Diseases other than diabetes-related illnesses are covered like all other regular health plans in the market (with applicable waiting periods as defined in the policy).
Family Floater
This plan is available for coverage of diabetic proposer and diabetic spouse.
This is family floater plan, which covers health costs of the entire family in range of Rs.3 lakh and Rs.10 lakh.
It is specifically for individuals who have diabetes and their spouse. No other member of the family will be covered in this plan.
The plan covers regular hospitalization along with any complications related to diabetes without any waiting period. There are two variants of this plan.
Plan A- Has no waiting period. There is a pre-medical examination requirement for this plan.
Plan B- Has a 30 day waiting period. However, there is no pre-medical examination requirement.
If you are diabetic and are looking for a plan to cover health expenses of yourself and/ or your spouse know more about diabetic safe plan.
Star Cardiac Care
This is plan specifically available for individuals with complications related to heart. Details of this plan are:
It is one designed especially for individuals suffering from heart disease.
It offers coverage in range of Rs.3 lakh and Rs.4 lakh for individuals between age of 10 years and 65 years who have undergone PTCA (Stenting) or CABG (By-pass) within a period of 4 years before buying this policy.
In this plan, there is a waiting period of just 90 days for cardiac related illnesses. For all other illnesses, regular waiting periods, (as defined in the policy) apply.
This plan is available in two variants
Silver- Covers only complications, which require surgery or intervention.
Gold- Covers all cardiac related illnesses, which may or may not require surgery or intervention.
Star Family Delite Insurance policy
A family floater plan is to cover entire family under a single sum insured value on a shared basis. The family delight plan offers following benefits:
This is a family floater plan, which covers health costs of the entire family in the range of Rs.2 lakh and Rs.3 lakh.
A maximum of 2 adults and 2 children in the family between age 5 months and 65 years can be covered under this policy.
In case you wish to cover your entire family under same policy know more about Family Delite, please click here.
Family Health Optima
This is a family floater plan with restore benefit. Following are the details of the benefits offered:
This is a family floater plan which covers health costs of the entire family in the range of Rs.1 lakh and Rs.15 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 policy has a restore benefit facility, which will automatically restore the coverage amount, in case the coverage amount gets exhausted in a year. The details and conditions applicable for this benefit can be found in the policy document.
In case you want a family floater plan with restore benefit offered by Star Health insurance, please click here.
Star Health Insurance Comprehensive Plan
This plan by Star Health offers the maximum benefits and covers most of the medical expenses. Following are the details of the coverage offered:
This is a family floater plan, which covers health costs of the entire family in the range of Rs.5 lakh and Rs.25 lakh
A maximum of 2 adults and 3 children in the family between age 5 months and 75 years can be covered under this policy.
The plan provides coverage for delivery charges as well as health costs for the newborn, if any. It also covers dental and ophthalmic treatment; has hospital cash and health checkup benefits.
The restore benefit is available once, only if the entire sum insured is exhausted by in-patient hospitalization expenses. For more information on this policy, please click here
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.
If you are looking out for a family floater plan with out-patient benefits offered by Star Health, click here to know more about Health Gain.
Star Senior Citizens Red Carpet Health Insurance
This plan covers medical expenses for senior citizens. Given below are the benefits:
It provides coverage for senior individuals between age 60 years and 75 years in the range of Rs.1 lakh and Rs.5 lakh.
It has a co-pay of 30 % on the claimable hospitalization expenses.
For more information on this policy, please click here.
Star Wedding Gift
This plan is specifically for newly married couples. With benefits as given below:
This is plan offers coverage of Rs.3 lakh and Rs.5 lakh only for couples between age 18 years and 40 years. It can be renewed only up to age of 45 years.
This policy provides delivery and coverage for the newborn for a maximum of 2 deliveries. It can be extended as a floater to a dependent child.
If you are a newly married couple looking out for a health insurance policy with minimum waiting period on maternity benefit, know more about Star Wedding Gift.
Star Health Insurance Care Plan
This is a unique plan with single sum insured option and different premium for individuals with different geographical locations. Benefits offered under this plan are:
It covers basic medical expenses under Rs.1 lakh
It is available for individuals in Tier-1 and Tier-2 regions.
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