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.

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.

Written By: PolicyBazaar - Updated: 19 November 2020

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