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.

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.