Star Health Insurance Waiting Period for Pre-existing Diseases

Pre-existing diseases are long-term illnesses that are costly to treat. No wonder health insurance companies cover these diseases after a waiting period and Star Health & Allied Insurance Company is no different. Interestingly, the insurer covers pre-existing diseases from day 1 or after 4 years, depending on the plan. Know everything about Star Health Insurance waiting period for pre-existing diseases.

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      What is the Pre-existing Disease Waiting Period?

      Pre-existing disease waiting period or cooling period is the time period during which you cannot file a claim for any pre-existing disease (PED). A disease is considered pre-existing if the insured person was diagnosed, operated or had shown symptoms for up to 48 months before purchasing the policy. Star Health & Allied Insurance Company will be liable to pay for the treatment of your pre-existing diseases only after your PED waiting period is over.

      Some of the most common pre-existing diseases among Indians are high blood pressure, asthma, thyroid problems, diabetes, etc.

      You can also read: Pre-existing Disease in a Health Insurance Plan

      Pre-existing Disease Waiting Period for Different Star Health Insurance Plans

      The waiting period to cover pre-existing diseases by Star Health Insurance plans varies from 1 to 4 years. However, you can get immediate Day 1 coverage for pre-existing diseases under the Star Diabetes Safe Insurance plan. Additionally, if you opt for the Star Health Comprehensive policy, you can reduce the PED waiting period from 36 months to 12 months by purchasing the Buy Back Pre-existing Disease add-on cover.

      Here are the pre-existing disease waiting periods for different Star health insurance plans:

      Star Health Insurance Plans Pre-existing Diseases Waiting Periods
      Star Health Comprehensive Plan 36 months
      Star’s Diabetes Safe Insurance Plan 48 months (For Section 2 and Section 4 of Plan A & Plan B)
      Senior Citizens Red Carpet Health Insurance Plan 12 months
      Young Star Insurance Plan 12 months
      Star Health Assure Insurance Plan 30 months (For a 3-year policy)
      36 months (For a 2-year policy)
      Star Super Surplus Insurance Plan 36 months (For Silver plan)
      12 months (For Gold plan)
      Star Family Health Optima Insurance Plan 48 months
      Star Critical Illness Multipay Insurance Plan 48 months
      Star Medi Classic Insurance Plan 48 months
      Star Special Care Gold Plan 48 months
      90 days (For HIV/AIDS)
      24 months (For disability cover)
      Star Cardiac Care Insurance Plan – Platinum 48 months
      Star Cancer Care Platinum Insurance Plan 30 months
      Star Special Care Plan 48 months
      Star Cardiac Care Insurance Plan 48 months (For Section 1)
      90 days (For Section 2)
      Star Health Premier Insurance Plan 24 months
      Star Out Patient Care Insurance Plan 48 months (For Silver plan)
      24 months (For Gold plan)
      12 months (For Platinum plan)
      Star Micro Rural and Farmers Care Plan 6 months
      Star Health Gain Insurance Plan 48 months
      Star Women Care Insurance Plan 24 months
      Star Net Plus Insurance Plan 48 months
      Star Hospital Cash Insurance Plan 36 months (For Basic plan)

      24 months (For Enhanced plan)

      Why Should You Choose Lower PED Waiting Periods with Star Health Insurance?

      Here are the top reasons to choose Star Health Insurance plans with a lower waiting period for pre-existing diseases:

      1. Immediate Coverage

        A lower waiting period means coverage for your pre-existing condition begins soon after purchasing your Star health insurance policy. In fact, the Star Diabetes Insurance plan covers pre-existing diseases from day 1 of the policy. Thus, it ensures that you can avail of necessary medical treatments for your pre-existing diseases without significant delays or financial strain.

      2. Timely Access to Healthcare

        With a lower PED waiting period, you can get the right treatment at the right time. It provides you with timely access to healthcare during a medical emergency arising out of your pre-existing condition without worrying about hospital bills. This allows you to seek medical attention, consultations, and treatments as soon as you require them without waiting for an extended period.

      3. Reduced Out-of-Pocket Expenses

        Opting for a lower PED waiting period can reduce your out-of-pocket expenses resulting from the treatment and medications for your pre-existing condition. This is because Star Health & Allied Insurance pays for your medical bills earlier with a lower waiting period and, in turn, mitigates the financial burden on you.

      Things to Keep in Mind While Choosing a PED Waiting Period for Star Health Insurance Plans

      You must remember the following things while choosing the pre-existing disease waiting period for a Star Health Insurance plan:

      1. Disclose Your Pre-existing Disease to the Insurer

        According to data analyzed by Policybazaar, around 25% of health insurance claims are rejected due to policyholders failing to disclose their pre-existing conditions at the time of purchasing the policy. This is because health insurance contracts are based on trust and the insurer expects you to disclose your medical conditions honestly to get medical coverage when required. If you have not disclosed your pre-existing condition while buying the policy, Star Health & Allied Insurance Company has the right to reject your claim and even cancel your policy.

      2. Get an Advantage over Pre-existing Conditions.

        Long-term illnesses usually surface with age and are common among elderly people. The chances of getting diagnosed with a lifestyle disease are lower in your 20s than in your 40s. Purchasing a Star health insurance plan at a young age ensures that your PED waiting period is fulfilled while you are still in good health. As a result, you will get the right to immediate insurance claims. And when you do get a long-term disease in the older years, Star Health & Allied Insurance Company will be liable to pay your claims immediately.

      3. Read the Terms and Conditions Carefully

        Before choosing a Star health insurance plan, it is crucial to go through the terms and conditions of different plans carefully. Doing so will ensure that you are aware of the waiting periods for pre-existing diseases beforehand and there are no surprises later. Not knowing about your PED waiting periods can lead to claim rejection.

      Summing It Up

      Being diagnosed with any long-term illness can put you in emotional and financial turmoil. This is why it is important to check the waiting period for pre-existing diseases while buying a Star Health Insurance policy and avoid any claim rejection in the future. Moreover, make sure to choose a health policy with day 1 coverage or a minimum waiting period so that your pre-existing diseases are covered by the insurer as soon as possible.

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      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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