Star Family Delite Health Plan: Benefits, Buy & Renew Online

Star Family Delite Insurance Policy

With Family Delite Plan, Star Health Insurance Policy offers a health insurance plan that provides the best medical facilities for your entire family. This family floater plan offers coverage for all who fall in the age group of five months to 65 years. The lifelong renewability advantage makes it one of the best health insurance plans for a family.

Opting for this plan is very simple, but people who are more than 50 years old have to go through a medical test at the specific diagnostic centers mentioned by the company, however, the cost of these tests is borne by the insurance firm only.

Eligibility Criteria:

Any person falling in the age bracket of five months to 65 years can purchase this plan.

Inclusions:

The plan provides pre and post-hospitalization coverage.
Ambulance expenses are also covered.
Specific day-care treatments are also covered.
A cashless facility is offered at more than 9300 network hospitals.
Covers inpatient hospitalization expenses.

Exclusions:

Non-allopathic treatments are not covered.
Dental treatment cost is not covered unless it is because of an accident.
The cost of hearing aids, wheelchair, contact lenses, etc. is not covered.
Injury because of nuclear materials and weapons is not covered.
Expenses incurred due to Lasik surgery or refractive error correction is not covered.

Features & Benefits:

Covers maximum hospitalization expenses including rent of the room, fees of medical practitioners such as a surgeon, consultant, anesthetist, etc are covered.
Charges of the ambulance for up to a certain limit is also provided.
Pre-hospitalization of 30 days before admitting to the hospital is offered.
Post-hospitalization is also paid as a lump-sum amount.
Specific day-care procedures are also covered.
Specific illnesses are covered up to a specific limit.

Cancellation Policy:

A policyholder has the authority to cancel this policy by giving written notice of 15 days. In such an event, the Star Health Insurance Company refunds the premium for the policy period that is not expired. The details for the same are mentioned below:

Period on Risk	Premium Rate to be Retained
Up to 1 month	1/3^rd of the yearly premium
Up to three months	½ of the yearly premium
Up to six months	3/4^th of the yearly premium
Exceeding six months	Full yearly premium

FAQs

Q 1: Which relations are covered under this family floater plan?

Ans: The relationships that can be covered under this plan are self, dependent children, and spouse.
Q 2: What is the waiting period that is applied to the pre-existing illnesses of this health insurance policy?

Ans: All the pre-existing diseases are covered after completion of 48 months with this health insurance policy of Star Health Insurance Company.
Q 3: Does this health insurance policy has a free-look period?

Ans: Yes, a free-look period of 15 days is there that starts from the day the policy is received by the policyholder.
Q 4: Do I need to go through any medical tests before purchasing this policy?

Ans: No, except you are purchasing this policy after completing 50 years of age. If you are more than 50 years and going to purchase Star Family Delite Insurance Policy, then you have to go through a medical test at the diagnostic center suggested by the company. The cost of this medical test is borne by the company.
Q 5: Is it required to involve a third-party administrator for claim settlement of this plan?

Ans: No, there is no third-party administrator available under any plans offered by Star Health Insurance Company. Therefore, the direct in-house team of the company settles the claim made for the Star Family Delite Plan. The absence of intervention by TPA makes the process of claim settlement easy and fast.

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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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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