Star Health and Allied Insurance

4 / 5 based on 48 User Reviews
*Please note that the quotes shown will be from our partners

Star Health Insurance Overview:

Star Health Insurance by Star Health and Allied Insurance Co Ltd is a joint venture by ICICI Ventures Funds Management, Sequoia Capital, Tata Capital Growth Fund, Alpha TC Holdings Pte Ltd (Singapore) and Oman Insurance Company (UAE). It was founded in 2006. It is India’s first stand-alone insurance company which provides for hassle free and direct claim settlement facilities.

Why opt for Star Health Insurance:

Health insurance is an insurance coverage that provides for cover to an individual or his family against any kind of medical and surgical expenses incurred. Health insurance can be availed by the insurer in the form of reimbursements or in the form of direct payment to the concerned medical unit. Although there are multiple companies providing health insurance plans, Star Health offers health insurance in multiple variants along with certain extra benefits, such as:

  • It does not involve a third party for settlement of its claims; it offers direct in house settlement.
  • It ensures easy and faster settlement.
  • It offers cashless hospitalisation.
  • It has more than 6,000 branches spread across Indian cities.
  • It maintains the individual’s personal health record in an electronic format.

List of Star Health Products

Health Insurance Accident Care Overseas Travel
1. Family Health Optima 1. Accident Care Individual 1. Star Travel Protect
2. Senior Citizens Red Carpet 2. Student Care 2. Star Corporate Travel Protect
3. Star Comprehensive   3. Star Student Travel Protect
4. Medi Classic  
5. Star Health Gain
6. Star Super Surplus
7. Star Unique Health
8. Diabetes Safe
9. Star Cardiac Care
10. Star Wedding Gift
11. Star Micro Health
12. Star Net Plus
13. Star Care
14. Star Criticare Plus
15. Star Family Delite

 

Health Insurance Plans
1. Family Health Optima Insurance Plan

This plan provides cover for the individual as well as the family at an affordable price.

Key Features:

  • It is issued as a single policy, covering health insurance of the entire family.
  • The insurer may also get benefits in the form of auto recharge facility, i.e. he may apply for an auto recharge for up to 30% of the insured amount at zero extra cost.
  • A maximum of Rs. 5,000 every three years can be reimbursed to the insurer against any health checkups over the period.
  • The insurer may also apply for automatic restoration of the original sum insured on completion of the existing amount.
  • The company also provides for an auto cover for every new born baby in the family.
  • Star Health Insurance Company also provides cover against expenses incurred towards donors in case of organ transplantations.
  • This scheme also provides cover for 400+ day care procedures to be followed during the treatment period.
  • This Star Health Insurance policy is available on floater basis and the sum insured floats among all the people insured under this policy.

Eligibility:

  • Any Indian citizen between the ages of 18 years to 65 years can apply for this scheme.
  • An infant ageing 16 days and above can be covered under this scheme.
  • For people beyond 65 years of age, Star Health Insurance renewal is available for life time for this policy.

2. Senior Citizens Red Carpet Health Insurance Policy

This policy is extended to senior citizens above the age of 60 years.

Key Features:

  • This health insurance policy is issued to all individuals without any pre acceptance medical screening.
  • This scheme provides cover for in patient hospitalisation charges which includes expenses incurred against room rents, nursing charges, anaesthetics, medication and other such related expenses.
  • Star Health Insurance Company also provides for coverage of pre existing diseases, subject to expiry of 12 months of the date of commencement of the policy.
  • The insurer can also avail cover against expenses incurred towards queries as an outpatient. However, this facility is only available for queries with the networked hospitals.
  • Reimbursements made as lump sum payment post hospitalisation.
  • This scheme provides cover for specific day care procedures and for transportation expenses up to the specified limits.
  • It can be availed as an individual insurance plan.

Eligibility:

Any person lying between the ages of 60 years to 75 years can opt for this plan.

3. Star Comprehensive Insurance Policy

Provides cover for the individual’s entire family and is issued on a floater basis.

Key Features:

  • No upper limit specified for cost against treatment and room rents.
  • It provides for a personal accident cover in cases of sudden death or permanent disability at zero extra cost.
  • It provides automatic cover for new born babies and also gives maternity benefits.
  • The insurer may also apply for automatic restoration up to 100% of the original sum insured on completion of the existing amount.
  • The insurer can also avail cover against expenses incurred towards queries as an outpatient for dental or ophthalmic treatments.
  • This scheme also provides cover for 405 day care procedures to be followed during the treatment period.
  • It gives extra benefits in the form of free health checkups, air ambulance assistance, second opinion, expenses incurred towards Bariatric surgeries and its complications.
  • Sum insured to increase by 100% in cases of claim free years.
  • Extended in the form of a hospital cash facility.
  • Policy available on an individual as well as floater basis. However, only the individual’s spouse and dependent along with the individual can benefit from the policy.

Eligibility:

Any person lying between the ages of 18 years to 65 years can opt for this plan. Dependent children between the ages of 3 months to 25 years can benefit from this scheme.

4. Medi Classic Insurance Policy (Individual)

A family insurance plan extended as a family package including health benefits and bonus options.

Key Features:

  • The insurer may also apply for automatic restoration up to 200% of the original sum insured on completion of the existing amount.
  • Sum insured to increase by 25% in cases of claim free years.
  • Extended in the form of a hospital cash facility.
  • This scheme also provides cover for 101 day care procedures to be followed during the treatment period.
  • It provides for free health checkups.

Eligibility:

  • Any person lying between the ages of 5 months to 65 years can opt for this plan. Children are to be covered only along with parents.
  • HIV+ people can also opt for this plan, subject to certain conditions.

5. Star Health Gain Insurance Policy

An insurance plan that provides cover to an individual and his or her family.

Key Features:

  • Provides cover for expenses incurred against outpatient and inpatient treatments.
  • Balance amount towards outpatient treatments can be carried forward next year at the time of Star Health Insurance renewal.
  • The insurer can avail upto 10% discounts on Star Health Insurance renewal, subject to a no claim year.
  • Fixed premium for all.

Eligibility:

  • Any person lying between the ages of 5 months to 65 years can opt for this plan. Children are to be covered only along with parents. Dependent children below the age of 25 years can benefit from this scheme.

6. Star Super Surplus Insurance Policy

It is a top up cover policy offered at affordable pricing.

Key Features:

  • This policy is issued to all individuals without any pre acceptance medical screening.
  • The company also provides for coverage of pre-existing diseases, subject to completion of 36 months of regular insurance cover.

Eligibility:

  • Any person lying between the ages of 5 months to 65 years can opt for this plan. Children are to be covered only along with parents. Only upto two dependent children spouse and self can benefit from policies issued under floater basis. Also available on individual basis.

7. Star Unique Health Insurance Policy

It is a two year policy for individuals along with a co pay benefit.

Features:

  • This policy is issued to all individuals without any pre acceptance medical screening.
  • This scheme provides cover for pre hospitalisation, hospitalisation and post hospitalisation.
  • The company also provides for coverage of pre-existing diseases, subject to expiry of 11 months of the date of commencement of the policy.
  • Available to HIV+ persons, subject to certain conditions.
  • Life time Star Health Insurance renewal scheme available.

Eligibility:

  • Any person lying between the ages of 18 years to 65 years can opt for this.

8. Diabetes Safe Insurance Policy

An insurance policy by Star Health Insurance Company for diabetic patients.

Features:

  • Provides cover for regular hospitalisation expenses as well as expenses connected to diabetes and its complications.
  • Policy can be taken for self and spouse.
  • The insurer may also apply for automatic restoration up to 100% of the original sum insured on completion of the existing amount.
  • This scheme also provides cover for 400+ day care procedures to be followed during the treatment period.

Eligibility:

  • Any person lying between the ages of 18 years to 65 years having diabetes mellitus can opt for this policy.

9. Star Cardiac Care Insurance Policy

An insurance policy from Star Health Insurance Company for heart patients.

Features:

  • It provides cover against heart diseases, post 90 days of completion of the policy issuance date.
  • Available in two variants, namely gold plan and silver plan.
  • Extended in the form of hospital cash facility.
  • This scheme also provides cover for 101 day care procedures to be followed during the treatment period.

Eligibility:

  • Any person lying between the ages of 10 years to 65 years having undergone PTCA treatment or Bypass Surgery for the first time within 4 years before the date of purchase of the policy.
  • This scheme is available on an individual basis.

10. Star Wedding Gift Insurance

Insurance scheme providing cover for new born babies and delivery expenses.

Features:

  • This scheme provides cover for pre hospitalisation and post hospitalisation.
  • This scheme also provides cover for certain specific day care procedures.

Eligibility:

  • Any couple lying between the ages of 18 years to 65 years.
  • Available on floater basis for the individual, spouse and dependent children.

11. Star Micro Health Insurance

Star Health Insurance scheme for people residing in rural areas.

Features:

  • It provides healthcare at affordable rates, keeping in mind the capacity of the individual to pay.

Eligibility:

  • Any person lying between the ages of 5 months to 65 years can opt for this plan. Children can be covered only along with at least one parent.

12. Star Net Plus

Star Health Insurance scheme for HIV+ patients.

Features:

  • It provides insurance cover to HIV+ patients, their family members or beneficiaries.

Eligibility:

  • Any person tested HIV+ or persons taking services from government agencies or NGO’S can be referred for this policy.

13. Star Care Insurance Policy

Star Care insurance plan provides cover for individual as well as his/her family.

Features:

  • Available on individual as well as floater basis.
  • Available in select cities depending upon Tier I or Tier II locations.
  • Tier I locations: Places with population between 5 lakhs to 10 lakhs as per census 2011.
  • Tier II locations: Places with population below 5 lakhs as per census 2011.

Eligibility:

  • Any person lying between the ages of 18 to 65 years, residing either in Tier I or Tier II cities can opt for this plan.

14. Star Criticare Plus Insurance Policy

It is a protection policy issued along with critical expenses and added benefits.

Features:

  • This scheme provides cover for in patient hospitalisation charges which includes expenses incurred against room rents, nursing charges, anaesthetics, medication and other such related expenses for a minimum of 24 hours.
  • It covers pre hospitalisation (30 days prior to admission to the hospital) and post hospitalisation expenses along with ambulance charges, if any.
  • This star health insurance scheme also provides cover for certain specific day care procedures.
  • Issued on individual basis.

Eligibility:

  • Any person lying between the ages of 18 to 65 years can opt for this plan.

15. Star Family Delite Insurance Policy

A Star Health Insurance cover for the entire family with added benefits.

Features:

  • It covers pre hospitalisation (30 days prior to admission to the hospital) and post hospitalisation expenses along with ambulance charges, if any.
  • This scheme also provides cover for certain specific day care procedures.
  • This scheme provides cover for in patient hospitalisation charges which includes expenses incurred against room rents, nursing charges, anaesthetics, medication and other such related expenses for a minimum of 24 hours.
  • Provides cover for specified diseases.

Eligibility:

  • Any person lying between the ages of 5 months to 65 years.
  • Available on floater basis for the individual, spouse and dependent children.

Accident Care Plans
1. Accident Care Individual Insurance Policy

This maximum care policy by Star Health Insurance Company provides cover in the event of unexpected accidents.

Features:

  • This policy provides cover for Accidental Death, Permanent Disability and Temporary Disablement.
  • Compensation offered for Permanent Total Disablement is 150% of the sum insured amount.
  • It also offers enhanced weekly compensation up to Rs. 15,000 per week (for a maximum period of 100 weeks).
  • Educational grant is provided for dependent children.
  • Cumulative bonus accrues for each completed year at the rate of 5% per annum on sum insured, up to a maximum of 50%. The bonus is not applicable on additional and optional benefits.
  • This policy comes with lifelong renewability.

Eligibility:

  • Any person between the ages of 18 and 70 years (at the time of entry) can opt for this accident insurance.
  • Dependent children are covered under the policy from the age of 5 months.
  • Policy benefits are applicable individually for each person covered under family.

2. Student Care

Star Health Insurance scheme for college and school students. There are 2 plans available under Student Care:

i. College Student Care Insurance Policy

ii. School Student Care Insurance Policy

Features:

  • It provides cover against death and permanent disability of students, hospitalisation expenses and education expenses incurred by students who are not in a position to pay back owing to any injury.
  • The company provides cover up to Rs. 50,000 for school students and up to Rs. 1 lakh for college students in case of death and permanent disability.
  • The sum insured can be increased at certain additional costs.

Eligibility:

  • Under School Student Care Insurance: Students between the ages of 3 years to 18 years.
  • Under College Student Care Insurance: Students between the ages of 15 years to 25 years.
  • Other research institutions may also avail this policy.

Overseas Travel Plans
1. Star Travel Protect Insurance Policy

This policy from Star Health Insurance Company is meant for individuals travelling abroad and offers a range of benefits. It is quickly approved so that the policyholder can undertake travel at a short notice

Features:

  • Covers emergency medical expenses which include medical evacuation and transportation of mortal remains.
  • Includes dental emergency expenses due to an accident.
  • Provides compensation caused by accidental injuries.
  • Offers cover for loss of checked-in baggage, delay of checked-in baggage, loss of passport, trip cancellation, flight delay, missed flight / connection and distress due to hijacking.
  • Includes a Personal Accident Cover.
  • Covers any legal liability that may arise due to bodily injury or property damage caused to a third party.

Eligibility:

  • Any individual who is a permanent resident of India travelling overseas for work or leisure.
  • For persons above 6 months of age.

2. Star Corporate Travel Protect Insurance Policy

This travel insurance policy is aimed at overseas business travellers.

Features:

  • Designed for corporate executives who travel abroad frequently.
  • Covers emergency medical expenses including medical evacuation and repatriation of mortal remains.
  • Covers dental emergency expenses arising due to an accident.
  • Offers cover for loss of checked-in baggage, delay of checked-in baggage, loss of passport, trip cancellation, flight delay, missed departure / connection and hijack distress.
  • Includes a Personal Accident Cover.
  • Provides cover for any legal liability that may arise due to bodily injury or property damage caused to a third party.
  • Covers travel expenses of sending a substitute employee if the insured employee falls sick or is injured due to an accident (provided these are covered under the policy).

Eligibility:

  • All corporate executives residing in India and travelling abroad on business purposes.
  • For persons above 18 years of age.
  • Medical tests may be required for persons above the age of 65 years and those with adverse medical history.

3. Star Student Travel Protect Insurance Policy

This insurance policy has been specifically designed to assist students who are going to foreign countries for further studies.

Features:

  • Covers emergency medical expenses including medical evacuation and transportation of mortal remains.
  • Includes dental emergency expenses arising due to an accident.
  • Provides cover for loss of checked-in baggage, loss of passport.
  • Maximum coverage period is 365 days. It can be further extended by another 365 days.
  • Compassionate benefits include a visit of one immediate family member in case of hospitalisation, repatriation because of medical reasons or death of a family member resulting in interruption in study, and reimbursement of tuition fee of the remaining period in the event of death of the sponsor.
  • Covers legal liability in case of bodily injury or property damage caused to third parties and cost of bail bond because of wrongful arrest or detention.

Eligibility:

  • All types of students covered who are going abroad for studies.

How to Apply for Star Health Insurance Plan?

Health insurance plans offered by the company can be applied to through multiple channels like:

  • Individuals wishing to buy star health insurance plans can simply call the Sales helpline of the company and speak to the customer service representative.
  • They can provide their name and mobile number on the website of the company and request for a call back.
  • Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required.

Star Health Insurance – FAQs

1. How to pay premium? What are the modes of payment available?

Star Health Insurance offers a total online solution for the users. They provide two options for paying the premium.

Direct Debit – Use the Star Health Insurance online payment gateway to pay the premium amount through credit card, debit cards and NEFT.

Auto Debit – You can opt for automatic debit at the time of policy purchase. Alternatively, you can request for the same by contacting helpdesk.

2. How can I check my Star Health Insurance policy status?

Only registered users can login to the e-portal, with valid username and password to check the Star Health Insurance policy status.

If you are not, then simply follow the steps mentioned in the “Register Now” section to create an account. Once done, you can login to the e-portal.

3. What is the Star Health Insurance policy renewal process?

You can renew Star Health Insurance online as well as offline.

Star Health Insurance online mode involves payment via debit/credit card or net banking if you have an online account.

Offline mode involves auto-debit or cash/cheque deposit at any of the Star Health Insurance Company branches in your city.

4. What is the company’s process to settle Star Health Insurance claim?

Star Health Insurance Company settles claims within 7 working days of filing the accidental claim. Furthermore, cashless medical claim is also available from the insurer, provided you select the hospital that is on the insurer’s panel. If however you choose a non-network hospital, the insurance company should be contacted within 24 hours of hospitalisation with Star Health card number and other medical details to avail cashless facility.

5. What is the policy cancellation process for Star Health Insurance?

You get a 15-days free look period to cancel the Star Health Insurance policy. If however, at anytime you choose to cancel the policy, you need to submit a duly filled Surrender form and the policy documents to any of the nearest branch in your city.

The Star Health Insurance premium will be directly debited to your bank account. However, the refund premium is paid after deducting the cost of medical tests, and stamp duty charges.

6. How to find Star Health Insurance claim status?

Star Health Insurance claim status can be found by clicking the ‘Claims’ tab present on every page on the company website. One has to then click on ‘Claim Status’ and enter the Claim Intimation Number and ID Card Number to know the current status of the claim.

7. What is a Health Card?

A health card essentially is an identification card that needs to be presented at any network hospital to avail cashless hospitalisation facility. It is part of the health policy docket and given with the policy. Contact details of the insurance company, Star Health Insurance Company in this case, and contact numbers of the third party administrator (TPA) are mentioned on the card for convenience. One may call these numbers for assistance in case of a medical emergency. The health card needs to be produced and shown to the hospital authorities at the time of admission into a hospital.

Star Health and Allied Insurance - Latest News
Star health insurance increased premium collection by 36.5% at close of FY16

Star Health Insurance Company with headquarter in Chennai has recorded a premium collection of 2008 crore at the close of FY16 – 36.5% increase from Rs 1,470 crore during the previous year. According to the company’s Chairman, V Jagannathan Star Health Insurance Company has also made a pre-tax profit of Rs. 120 crore, including an underwriting profit (earned premium after paying losses and deducting administrative expenses.) of about Rs. 40 crore.

It is also reported that the new business has increased the company’s earning by Rs 500 crore. The new fiscal year will also expand the company’s promotion in the market and it will increase its footprint in northern India to maintain its growth nationwide.

Star Health Insurance to raise over Rs. 200 Crore through Private Equity

One of the foremost private-sector insurers, Star Health and Allied Insurance Company recently had a tie-up with two major public sector banks. Now, the company is looking forward to raising funds via private equity and is going through the FDI route. The amount to be raised ranges from Rs. 200 Crore to 250 Crore.

Managing director and CEO of Star Health Insurance, Mr. V Jagannathan said in a conversation that the company has got its management expenses reduced, whereas the number of claims as well as the procurement cost is still the same. The company has managed to make the profit in the previous financial year, which makes them set a target of Rs. 2,800 Crore GWP in the coming fiscal.

Star Health Insurance has partnered with Bank of India and Bank of Baroda, aiming at utilizing the banking channel in the best way possible to make the most of it. This is the first time the health insurance company is looking forward to entering into this area. It has never underwritten group health insurance while in case it ever does, it makes sure to get the profit.

Star Health is planning to raise Rs 325 crore by FY 2015-16; eyes Rs 3,500 crore in total premium by FY 2017-18

December 6, 2015: Star Health and Allied Insurance is planning to raise Rs 325 crore by the end of this financial year 2015-16 and is aiming to collect a total premium of Rs 3,500 crore by FY 2017-18. According to Star Health and Allied Insurance Chairman and Managing Director Jagannathan, Star Health has already collected Rs 1,100 crore till November 30 and has set the target of Rs 2,000 crore in total premium during FY 2015-16. It has set a target of Rs 2,750 crore for the FY 2016-17.

The private health insurer has 910 branches across the country and is planning to further expand its presence. To finance its expansion plan, it is planning to raise Rs 325 crore through fresh private equity placement. The company is in talks with JM Financial and expects the fund-raising to be completed by FY 2015-16.

According to Jagannathan, the company is planning to relaunch a few of its products with some alterations. He also said that even though the company is looking at the online distribution channel, it will always remain focused on agency model as it feels that agents do a better job with their personalised touch. Star Health and Allied Insurance, which is India's first stand-alone health insurance company, started its operations in 2006 and it deals in mediclaim, personal accident and overseas travel insurance.

Star Health expects to report maiden profits in FY 2015-16

Star Health and Allied Insurance Co. expects to report its maiden profits by the end of financial year 2015-16 by achieving ‘under-writing profits’ of around Rs. 100 crore. ‘Underwriting profit’ refers to the remaining premium after paying off losses and deducting administrative expenses. It does not include any investment income earned from held premiums. According to Senior Vice President, Marketing and Sales, Anand Roy, the company has already reported profits for the first half of this financial year. The company also expects its premium collections to grow by 36% to reach Rs. 2,000 crore by end of this fiscal.

At present, Star Health has 24 products covering health, travel and personal accident segments. It has also applied to Insurance Regulatory and Development Authority of India (IRDAI) seeking clearances for adding two tweaked offerings to its existing portfolio. The insurer has a settlement ratio of 93% with retail insurance accounting for 95% of its business and the remaining 5% coming from corporates.

According to Roy, Star Health is also planning to raise Rs. 300 crore through fresh placement of shares with a private equity investor. The fund-raising exercise is expected to be complete by FY 2015-16. The company has recently raised Rs. 80 crore through a rights issue.

Reviews for Star Health and Allied Insurance

TOTAL REVIEWS (48)
Tanishk
Kherwara
August 23, 2016

Health Care

My health insurance policy is very good in benefits and give good payback returns. Policy coverage is high and claims are even better. Service is fast given by the team members of the star health general insurance. Easy renewals and online service reduces paperwork.

Tanishk
Gangtok
May 17, 2016

Above Average

I bought star health travel insurance which is nice with some good benefits. The premium of the plan is low and the policy coverage is high. The luggage and dental related staff are included in the policy plan. Just the refund of the tickets is not possible, rather than this the policy is awesome. I'm satisfied with it.

Rustam
Jorhat
May 17, 2016

Good Policy

I have star health personal accident insurance plan. The policy coverage is high and the claims are good. The ambulance is facilitate for free and large number of hospitals are there for better and fast service. The behaviour of the executives and staff is calm and nice. Good policy, I like it.

Rajendra
Rourkela
April 09, 2016

health insurance

I am 41yrs old need good health insurance for me and my family health benefit

MD
Howrah
March 25, 2016

family floter plan

need to details like S.A and premium amount and other benefits of the policy

Kuldeep
Udaipur
March 09, 2016

ok

1

Sanidhya
Bangalore
February 18, 2016

Excellent service

Helped me in purchasing health insurance for my parents with great ease.Each query of mine was answered properly.I highly appreciate the efforts guys who helped me at each and every step.Keep it up!! :)

Haresh
Pune
February 14, 2016

Awesome

I purchase health policy through general insurance. The service provided is super and on time. Policy coverage and claim is high but on the other side premium is low. The policy provide ambulance or cab facility which is very good for middle class people.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

YASHWANT
Thane
February 14, 2016

Low Premium

I have policy from star health. Policy coverage is 90% and the premium is low approx. Rs.1900 . The claim is high with ambulance service. Around 3000 hospitals are working with this program. Nice job guys.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

Krishna
Mumbai
February 13, 2016

"Good Coverage"

My health plan is with general insurance which have low premiums and the claim is ~Rs.2.9 lakh. The policy coverage is nice and the ambulance is free which provided from door to door.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

RUPINDER
Jammu
February 13, 2016

Health policy plan

I spend my last week in hospital, thank god i have health policy with star insurance which provide me the ambulance service from my office campus to hospital and then to home. The whole treatment is covered in policy. Took right decision on right time. Happy with plan.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710

K.
Gurgaon
February 13, 2016

Health insurance for seniors

I have health policy for me and my wife. The plan is good and responsive at any time. Policy covers 90% bills and claim is four lakh. Ambulance provide from both sides. I am tension free now. Thank you.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Abhishek
Pune
February 13, 2016

Awesome Health Plan.

Star health insurance provide me policy plan which have low premiums. The claims are high and ambulance is facilitate from door steps to hospital. Policy coverage is 90%. Number of hospitals are working under this project. Love to have this policy.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710

Hemant
Mumbai
February 12, 2016

Fair plan for health

I got health policy from star insurance with my friend's advice for my in-laws. The policy works for both of them and my wife happy too :) . Claim and policy coverage is high and the premium is low. Free ambulance service is also an additional benefit.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Mahendra
Beawar
February 11, 2016

Fantastic health plan

I have health plan with general insurance. The ambulance service is for free. Claim is Rs.4 lakh. Policy coverage is 80%. Service is really nice and on the spot, whenever wherever. I'm happy with my health policy.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01473

Naveen
Delhi
February 11, 2016

Great Plan.

Health insurance buy through star insurance. The facility of ambulance is free of any charge. Premiums is low ~Rs.1900 per month. Claims easily sanctioned and the return amount is ~Rs.3.2 lakh. Good plan for normal earning perople.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

Bhagwandin
Navi_mumbai
February 11, 2016

"Good job"

My health plan is with general insurance. Policy coverage is 95% and ambulance is from door steps to hospital for free. Claim is Rs.2.1 lakh and the amount is sanction in few days.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

Ramesh
Mumbai
February 09, 2016

Nice Health Policy

My future unwanted visits to hospital is secure now because of general insurance. Policy have good coverage and claim Rs.3.7 lakh. Ambulance don't take charges for pick and drop. Really happy with policy.
Plan Name: MEDI CLASSIC
Agent Code: BPW01710

Raj
Noida
February 09, 2016

Old age policy.

I found a policy for my parents. The policy is perfect and the followup is great even after buying the policy. It gives ambulance from house to hospital and reverse. Rs.3 lakh is claim and 89% policy coverage.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Manoj
Thiruvananthapuram
February 09, 2016

"Good"

I have purchase health insurance from star. The policy is nicely working for me, great benefits with free ambulance service and coverage is 90% with claims approx. Rs.3 lakh. Like the policy.
Plan Name: MEDI CLASSIC
Agent Code: BPW01710

Kommareddi
West_godavari
February 08, 2016

"Superb"

I have health plan from star insurance. My policy give more and take less. Premium is low but the services, claims, coverage is high. Ambulance is facilitate without taking any charges. All the treatment is covered in policy no extra charges.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710

Subharthee
Howrah
February 08, 2016

Good plan for health.

I bought health insurance plan by star general. Ambulance charge nothing for there service and claims Rs.3.5 lakh. Policy coverage is for full damage. Service is fast and anywhere you want.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Alok
Ranchi
February 06, 2016

"Big Returns"

Buy health insurance that provides good service including ambulance at door steps which don't charge. This is personal experience that's why i wrote this. Good work guys.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710

Nitin
Guna
February 06, 2016

"Okay Okay"

Purchase health insurance by star. The policy coverage is okay with respect to premiums. The claims are 70%. The service is bit slow but done in time. The good number of hospitals are working for this. Overall nice and average policy.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01473

Subhash
Kolkata
February 06, 2016

"Superb"

I have policy with star health and the policy is awesome with good services. The policy coverage is high around 85% and the claims are ~Rs.2.9 lakh. The hospitals are doing great job. I am happy.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710