Benefits of Buying Star Health Insurance

Star health insurance is one of the prominent names in the health insurance sector. The company offers a range of pocket-friendly health insurance products such as individual health insurance plans, family health insurance, group health insurance, senior citizen health plans etc. There are special star health insurance plans for diabetic as well as and cancer patients.

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      Star health insurance also offers coverage to autistic children as well. Hospital expenses can make a hole in anybody’s pocket. When a family member gets hospitalized it can be a double- whammy, as it is emotionally and financially distressing to see your loved ones going through a serious illness. At that time, the star health insurance policy will prove to be a helping hand, especially, when it comes to settling the hospital bills. 

       

      Some of the Major Benefits that You Can Avail with Star Health Insurance Plans

      Apart from health insurance cover, there are various other benefits of buying star insurance policy. The insurer has designed policies to offers maximum benefits to its customers in the most cost-effective manner. Moreover, Star health insurance renewal online process allows easy and timely renewal of their health plans.

       Have a look at the major advantages of a buying a health cover from star health insurance-

      • Option to buy a yearly health insurance plan or a multi-year plan
      • Option to buy an individual plan or a family health plan
      • Compensation for expenses incurred on medical check-ups after consecutive 4 claim-free years
      • Provision of cashless treatment in more than 8000 network hospitals across India
      • Earn a cumulative bonus for not filing a claim
      • Minimal documentation, quick and hassle-free claim settlement procedure
      • Co-payment is not required for applicants who are lesser than 60 years old.
      • For applicant above 60 years of age 20% of co-payment is applicable for them
      • Tax benefits under section 80 D within the taxable limits
      • Most of the plans come with lifetime renewability option
      • Furthermore, the applicants can easily know the cost of insurance premium online with the help of Star Health Premium Calculator

      Star Health Insurance Plans Covers the Following Expenses

      The coverage varies from one plan to another. Some of the common benefits that you can avail are as follows-

      • In-patient hospitalization expenses including the room rent charges, nursing and boarding expenses.
      • Coverage for ICU charges, fees charged by the specialist, surgeon, medical practitioner, and anaesthetist
      • Plans cover expenses incurred 30 days prior to the hospitalization
      • Plans cover expenses incurred 60 days after the hospitalization
      • Road Ambulance cover up to a specified limit
      • Compensation for day care procedures (subjected to policy terms and conditions)
      • Compensation for organ donor expenses (subjected to policy terms and conditions)
      • Some plans cover expenses incurred on Ayurvedic, Unani, Siddha, and Homeopathic treatment
      • Domiciliary hospitalization cover (if required as part of the treatment)

      Some of the Optional Benefits that You Can Avail

      Apart from the basic coverage, there are optional benefits that you can avail by paying an additional premium. Optional benefits vary from one plan to another-

      • Maternity Cover
      • Outpatient Dental Care
      • Critical Illness Benefit
      • Co-payment Benefit

      Types of Star Health Insurance Plans

      Star Health Insurance Company offers a myriad of health insurance plans to cater to the needs of its different customers. You can select a medical plan that suits your requirements:

      • Star Comprehensive Insurance Plan - Buy this plan if you do not want any capping on the room rent and the cost of treatment. It covers bariatric surgical procedures (including complications). Expenses incurred on the air ambulance and second opinion taken from the doctor is also recompensed.
      • Star Family Health Optima Insurance Plan - Star Family Health Optima Insurance Plan is designed to cover you and your family under on plan. The maximum sum insured limit is 25 lakh rupees. You get new-born baby cover, domiciliary hospitalization cover; donor expenses cover, and assisted reproductive treatment cover as well.
      • Star Senior Citizens Red Carpet Insurance Plan - This plan is for people above the age of 60 years. The maximum sum assured limit is 10 lakh rupees. It does not require the applicants to undergo pre-medical screening. It also covers pre-existing illnesses after consecutive 2 years of policy term.
      • Star Health Gain Insurance Plan - You can buy this plan for self, and family including children and spouse. The age limit to buy this policy is 65 years.
      • Star Super Surplus Insurance Plan - Just by paying a small amount of extra premium you can get additional coverage with this top-up plan. Pre-medical tests are not essential to buy this plan. This plan is available in two variants: Silver Plan and Gold Plan.
      • Star MediClassic Insurance Plan - This is a special plan that offers coverage to the HIV positive people. The only condition is that the CD 4 count should be above 350 at the time of purchase. However, it will not compensate for the hospitalization expenses incurred on opportunistic infections.
      • Star Cancer Care Gold Insurance Plan - It is specially created to offers health coverage to people suffering from cancer. The insurer will pay 50% of the sum insured and the compensation is paid in lump sum. The policy also covers metastasis that is not related to first cancer.
      • Star Diabetes Safe Insurance Plan - Anyone between the age group of 18 and 65 years can buy this plan. This plan covers patients with Type 1 and Type 2 diabetes.
      • Star Cardiac Care Insurance Plan - It covers hospitalization expenses up to the specified limit. The plan is available in two variants: silver and gold plan.
      • Star Special Care Insurance Plan - Star health has launched this plan for children who are diagnosed with autistic disorders.
      • Star Care Micro Insurance Plan - 405-daycare treatments are covered and are available in both individual and family floater option for people in Tier I and Tier II cities.
      • Star Net Plus Insurance Plan - This specific insurance plan offers health coverage to people who have been diagnosed with HIV.
      • Star Criticare Plus Insurance Plan - You can get coverage for 9 specified critical illnesses under this plan. The insurer pays the lump sum amount upon diagnosis.
      • Star Family Delite Insurance Plan - It is an affordable family floater health insurance plan that is designed to cover your and your entire family under a single policy.

      Calculate Star Health Insurance Premium Online

      • Use the online Star Health Insurance Premium Calculator and know the premium for your selected policy. It is one of the most cost-effective and time-saving methods to calculate the premium.
      • To start with, simply select the plan you want to buy, go to the online calculator page, enter the basic details such as the number of family members, policy tenure, sum insured amount, age, geographical location etc.
      • Once you enter all the details, you will have a fair idea of the cost of the premium for a particular plan.

      Summing it up!

      The increasing number of health issues is the main reason behind medical inflation. For this reason, insurance companies are coming up with a range of health insurance plans. Star health insurance plans offer coverage to a specific set of audience. And to enhance the scope of coverage most of the plans cover critical illnesses such as cancer, kidney failure etc.  You can buy a policy that meets most of your needs.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹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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