Star Health Insurance for Individuals

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      Star Health Insurance for Individuals

      A health insurance plan for individuals is designed to provide medical coverage to an individual person or more than one person but the sum insured is provided on an individual basis. Star Health Insurance plan for Individuals ensures comprehensive medical cover amid the increasing cost of hospitalization and coronavirus pandemic.

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      Highlights

      Network Hospitals 9900+
      Renewability Lifelong
      Number of Claims Settled  4.9 million
      Claim Settlement Ratio 90%

      Features of Star Health Insurance for Individuals

      • This Star health insurance plan provides a wide range of sum insured options from Rs 5 Lakh to Rs 1 Crore
      • Buyback PED optional cover provides reduction of waiting period form 36 months to 12 months in payment of an additional premium
      • Both individual and family floater policy option
      • Mid-term inclusion of baby and newly wedded spouse
      • Tax saving benefits are offered under section 80 D

      Eligibility Criteria of Star Health Insurance for Individuals

      People between 18 years and 65 years of age at the time of entry can take this Star health insurance plan. Dependent children can be covered from 3 months and up to 25 years of age. There is no upper age limit for continuous renewals.

      Policy Inclusions/Benefits of Star Health Insurance for Individuals

      • Hospitalization cover including room charges, doctor fees, and other hospital treatment costs
      • during that time
      • Ambulance cover up to Rs 2.5 Lakh
      • Pre and post hospitalization expenses are reimbursed up to the sum assured
      • Out-patient consultation fees (exclusive of ophthal and dental treatment) up to the limit
      • specified
      • Domiciliary hospitalization cover, if required more than three days
      • Pre-natal and postnatal expenses are covered up-to the limits specified
      • New born cover, along with vaccination expenses up to Rs. 1000
      • Bariatric surgery cover from Rs 2.5 Lakh to Rs 6 Lakh ( subjected to policy terms and conditions)
      • Coverage against accidental death and permanent disability cover, wherein dependent children and elderly people above the age of 70 years can be covered up to Rs 10 Lakh
      • Automatic Reinstatement of Sum Insured (subjected to policy terms and conditions)

      Exclusions of Star Health Insurance for Individuals

      • Any pre-existing diseases before completion of 48 months of policy period
      • Dental treatment or surgery ( unless it is an accidental injury)
      • HIV and AIDS treatment cover is excluded
      • Naturopathy and non-allopathic treatments
      • Treatment for mental disabilities
      • Hospital registration and admission charges, and charges
      • Other exclusions as detailed in the policy documents

      The above-mentioned features and benefits provide only the outline of the policy. For details and insurance related queries you can speak to our customer care representatives.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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