Star Health Insurance for Family: Buy Plan Online

Key Benefits of Star Health Insurance for Family

Star Health Insurance for family comes with the following key benefits:

Wide range of sum insured ranging from Rs 1 lakh to Rs 1 crore
Avail cashless hospitalization in more than 11,000 network hospitals throughout India
No pre-acceptance medical screening required for people up to the age of 50 years
Free health check-up facility if no claims are raised in the previous year
Rewards granted through Star Wellness Program
Automatic restoration of the sum insured upon exhaustion up to 100%
Cumulative bonus up to 100% for every claim-free year
Tax benefits on paid premiums under Section 80D, Income Tax Act, 1961
5% discount on buying the policy online
10% discount on purchasing the policy before the age of 36 years
10% wellness discount available on renewal premium

The following table represents the various Star Health Insurance plans for families available in the market:

Plan Name	Sum Insured (Rs)	Pre-existing Diseases Waiting Period
Star Comprehensive Insurance Plan	5 lakh to 1 crore	36 months	View Plan
Star Family Health Optima Insurance Plan	3 lakh to 25 lakh	48 months	View Plan
Star Health Gain Insurance Plan	1 lakh to 5 lakh	48 months	View Plan
Star Young Star Insurance Plan	5 lakh to 1 crore	12 months	View Plan

Take a look at the eligibility criteria to buy a Star Health Insurance plan for a family below:

Categories	Eligibility Criteria
Categories	Adult	Child
Minimum Entry Age	18 years	91 days 16 days (Family Health Optima plan)
Maximum Entry Age	65 years 40 years (Young Star plan)	25 years
No of Family Members Covered	Self, spouse, dependent children, parents and parents-in-law
Renewability	Lifelong

The following coverage is available under Star Health Insurance for family:

In-patient Hospitalization Expenses
Day Care Treatments
Organ Donor Expenses (under Comprehensive and Family Health Optima plans)
Pre-hospitalization Expenses
Post-hospitalization Expenses
Domiciliary Hospitalization (under Comprehensive and Family Health Optima plans)
Road Ambulance Expenses
Air Ambulance Expenses (under Comprehensive and Family Health Optima plans)
Modern Treatments
Cataract Surgery
Outpatient Benefit
New Born Baby Expenses (under Comprehensive and Family Health Optima plans)
AYUSH Treatment (under Comprehensive and Family Health Optima plans)
Second Medical Opinion (under Comprehensive and Family Health Optima plans)
Accidental Sum Insured for Road Traffic Accident (under Family Health Optima and Young Star plans)
Delivery Expenses (under Comprehensive and Young Star plans)
Hospital Cash Benefit (under Comprehensive and Young Star plans)
Emergency Domestic Medical Evacuation(under Family Health Optima plan)
Compassionate Travel (under Family Health Optima plan)
Bariatric Surgery (under Comprehensive Insurance plan)
Assisted Reproductive Treatment (under Family Health Optima plan)

Star Health Insurance for family comes with the following exclusions:

For a detailed list of exclusions, please refer to the policy wordings of Star Health Insurance plans for families.

Q1. Which waiting periods apply to Star Health Insurance for family?
Ans: The following waiting periods apply to Star Health Insurance for family:
- Pre-existing Diseases Waiting Period – 12/36/48 months
- Specified Diseases/Procedures Waiting Period – 12/24 months
- Initial Waiting Period – 30 days
- Delivery and New Born Waiting Period – 24 months
- Bariatric Surgery Waiting period – 36 months
- Assisted Reproductive Treatment – 36 months
Q2. Does Star Health Insurance for family comes with any co-payment?

Ans: Yes. You need to pay a co-payment of 10% under the Star Comprehensive Insurance plan and 20% under Star Family Health Optima and Star Health Gain Insurance plans if your age is more than 60 years.
Q3. Can I pay the premium for Star Health Insurance for family in instalments?

Ans: Yes. You can pay the premiums for Star Health Insurance plans for families in quarterly and half-yearly instalments.