Star Health Insurance for Family

Star Health Insurance for family is a family floater policy that offers extensive coverage to the whole family on a floater sum insured basis. This plan by Star Health & Allied Insurance Company Limited cover family members irrespective of their age and takes care of their health needs.

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Star Health Insurance for Family

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get up to 5% discount*
Get insured from the comfort of your home No medicals required
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    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

    Star Health Insurance Plans for Family

    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

    Eligibility Criteria for Star Health Insurance for Family

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

    Categories

    Eligibility Criteria

    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

    Inclusions of Star Health Insurance for Family

    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)

    Optional Covers:

    • Buy Back Pre-existing Diseases

    Exclusions of Star Health Insurance for Family

    Star Health Insurance for family comes with the following exclusions:

    • Injury or illness arising out of war or nuclear radiations
    • Cosmetic surgery or plastic surgery
    • Obesity and weight control treatments
    • Intentional self-injury
    • Sterility and infertility treatments
    • Sexually Transmitted Diseases, except for HIV AIDS

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

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