Star Health Insurance Riders

Star Health Insurance Riders

Star Health Insurance riders are additional benefits or coverage offered by Star Health & Allied Insurance Company to enhance the scope of coverage of the base health insurance policy. These riders enable policyholders to avail coverage benefits that are otherwise missing from the base Star health insurance policy. Policyholders can opt for a Star health insurance rider by paying an additional premium while buying or renewing the policy.

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List of Star Health Insurance Riders

Check out the Star Health Insurance riders list given below:

1. Star Buy Back Pre-Existing Diseases

   The Star Buy Back Pre-Existing Diseases rider reduces the waiting period for pre-existing diseases from 36 months to 12 months. However, policyholders can opt for this rider during the first-time purchase of the Star Comprehensive Insurance policy. The policyholder will also have to undergo medical screening before buying this rider.

2. Star Lump Sum on Diagnosis of Cancer

   The Star Lump Sum on Diagnosis of Cancer rider pays the opted sum insured amount in a lump sum to the policyholder on the first diagnosis of cancer. This rider is available under the Star Women Care Insurance policy and has a waiting period of 180 days.

3. Star Lump Sum for Cancer

   The Star Lump Sum for Cancer rider pays a lump sum benefit to the policyholder in case of metastasis, recurrence or/and second malignancy unrelated to first cancer. This rider is available under the Star Cancer Care policy and has a waiting period of 30 months.

4. Star Deductible

   The Star Deductible rider provides a discount of up to 50% on the premium amount if the policyholder opts for an aggregate deductible under the Star Health Assure Insurance policy. 

5. Star Patient Care

   The Star Patient Care rider pays for the attendant charges incurred at the insured’s residence immediately after getting discharged from the hospital. This rider is available under the Star Medi Classic Insurance policy and be claimed only if the attending physician advises for an attendant. However, this rider will not pay for the charges incurred on day 1.

6. Star Hospital Cash

   The Star Hospital Cash rider will pay a daily cash allowance of Rs 1000 to the policyholder for each day of hospitalization for a maximum of 7 days. This rider is available under the Star Medi Classic Insurance policy.

Benefits of Star Health Insurance Riders

Check out the benefits of buying Star Health Insurance riders:

1. Increased Coverage

   Buying a Star health insurance rider can help to expand the coverage level of the base health insurance policy, eliminating the need for purchasing another policy.

2. Lower Premiums

   The cost of buying a rider is much lower than the cost of purchasing a health insurance policy. Hence, policyholders can save money by purchasing a Star health insurance rider. 

3. Customized Coverage

   Star health insurance riders give policyholders the freedom to customize their medical insurance coverage as per their preference. Thus, they can pick riders that can help them achieve their desired coverage within their budget.