Star Health Premier Insurance Plan

Star Health Premier Insurance Plan

Star Health Premier Insurance plan provides comprehensive coverage against a wide range of planned and unplanned medical treatments. It covers the medical expenses incurred on OPD treatments from day 1 of the policy. The plan also pays for the cost of availing hospice care once in the lifetime of each insured family member.

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This Star health insurance policy automatically restores the sum insured by 100% in case of partial or total exhaustion. Moreover, it comes with other lucrative benefits like consumables cover, preventive health check-ups, wellness benefits, cumulative bonus, etc.

Star Health Premier Insurance Plan: Key Highlights

Benefits of Star Health Premier Insurance Plan

Take a look at the Star Health Premier Insurance plan benefits:

1. OPD Cover Day 1

   Star Health and Allied Insurance Company covers the cost of OPD treatments from day 1 of the policy.

2. Hospice Care

   This health insurance policy offers hospice care at their network facilities once in the lifetime of every insured.

3. Automatic Restoration of the Sum Insured

   Policyholders can enjoy 100% restoration of the sum insured in case of partial or full utilization of the base sum insured.

4. Health Check-ups

   The insurance company covers the cost of availing preventive health check-ups after every claim-free year.

5. 10% Wellness Discount

   Policyholders can earn a wellness discount of up to 10% by earning wellness points under the Star Wellness Program of this mediclaim policy.

6. Cumulative Bonus

   A 20% cumulative bonus for up to 100% of the sum insured is granted to the policyholder on every claim-free year.

7. Tax Benefits

   The Star Health Premier Insurance premium is eligible for tax deductions under Section 80D, Income Tax.

Star Health Premier Insurance Plan Eligibility Criteria

Check out the eligibility criteria to buy a Star Health Premier Insurance plan:

Inclusions of Star Health Premier Insurance Plan

Star Health Premier Insurance plan comes with the following coverage:

• In-patient Hospitalization – It covers the cost of getting admitted to a hospital for at least 24 hours, including room rent, boarding charges, ICU charges, doctor's fees, nursing fees, etc.
• Day Care Procedures – It pays for the medical expenses incurred on obtaining all day care treatments.
• Cataract Treatment – It covers the surgery cost of undergoing surgery for cataracts in each eye.
• Consumables Cover – It pays for the non-medical items used during hospitalization, such as gloves, syringes, needles, etc.
• Road Ambulance Expenses – It covers the cost of transporting the insured to and from a hospital or from one hospital to another in an ambulance.
• Air Ambulance – It pays for ambulance charges incurred to transport the insured through air during an emergency.
• Pre-Hospitalization Expenses – It covers the healthcare expenses incurred for up to 60 days before hospital admission.
• Post-Hospitalization Expenses – It pays for the medicare expenses incurred for up to 90 days after discharge from the hospital.
• Organ Donor Expenses – It covers the hospitalization expenses incurred by the donor to harvest the organ for the transplantation surgery of the insured. It also pays for any complications faced by the donor due to the hospitalization.
• AYUSH Treatment – It pays for the in-patient treatment and day care procedures availed through the AYUSH system of medicines, except yoga and naturopathy.
• Bariatric Surgery – It covers the hospitalization expenses resulting from bariatric surgery and its complications, including pre & post-hospitalization expenses.
• Rehabilitation and Pain Management – It pays for the in-patient/outpatient medical expenses incurred on pain management. It also covers rehabilitation expenses resulting from a head injury, stroke, disease of the spine and poly trauma.
• Modern Treatments – It pays for the medical expenses incurred on availing modern treatments, including robotic surgeries, oral chemotherapy, etc.
• Domiciliary Hospitalization – It covers the cost of availing medical treatments at home for more than 3 days on the advice of a doctor, which would otherwise require hospitalization.
• Hospice Care – It covers the cost of availing hospice care at any of the network facilities of the insurance company once in the lifetime of the insured.
• Home Care Treatment – It pays for the cost of availing medical treatments at home for listed medical conditions, including asthma, palliative care, acute gastroenteritis, etc.
• Outpatient Medical Expenses – It covers the medical expenses incurred on an outpatient department basis from day 1 of the policy.

Exclusions of Star Health Premier Insurance Plan

The following medical expenses are not covered by the Star Health Premier Insurance plan:

• Maternity expenses
• Dietary supplements and substances
• Sterility and infertility
• Treatment for alcohol or drug addiction
• Injuries due to participation in adventure or hazardous sports
• Cosmetic or plastic surgery
• Intentional self-injury
• Congenital external anomalies
• Unproven treatments

Star Health Premier Insurance Plan Waiting Periods

Here are the waiting periods applicable to the Star Health Premier Insurance plan:

Star Health Premier Insurance Plan: FAQs