Star Unique Health Insurance Policy

Star Unique Health Insurance Policy as its name says offers unique benefits to its policyholders. One of the unique features of this insurance policy is coverage for the pre- existing disease. Star Unique Health Insurance policy starts covering pre-existing ailments after completion of 11 successful months by its policyholders as compared to other insurance plans wherein the coverage for pre-existing diseases starts after completing 48 months.

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Star Unique Health Insurance Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
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    Eligibility Criteria:

    • Any person who comes in the age bracket of 18 years to 65 years can purchase this policy.
    • Beyond 65 years, you can only renew this policy and there is no exit age for it.


    • Pre-Existing Diseases: This policy offers coverage for pre-existing diseases after completion of 11 months.
    • Provides cover for the expenses that are related to dialysis, chemotherapy, pacemaker, radiotherapy, etc.
    • Hospitalization Cover: Provides coverage for the expenses incurred due to hospitalization like the cost of blood, medical practitioner fees, boarding charges, diagnostics, etc.
    • Post hospitalization expenses.
    • Non-allopathic treatments are also covered.
    • Pre-hospitalization expenses for up to 30 days before admission to the hospital.


    • Any medical treatment occurring within the first 30 days of policy purchase.
    • Treatment of cataract, varicose veins, hysterectomy, varicose ulcers, knee or joint replacement surgeries, thyroiditis, glaucoma is not covered for the first two-years.
    • Cosmetic treatments.
    • Renal calculi are not covered. However, if it is pre-existing, then the waiting period is two years.
    • First-year exclusion for hernia, prostate hypertrophy, cholecystectomy, renal calculi, gallbladder calculi. If these diseases are pre-existing then the waiting period is two years.
    • Naturopathy treatment.
    • Expenses of diagnosis where there is no confirmation of disease existence.

    Features & Benefits:

    • This plan provides coverage for pre-existing diseases after successful completion of 11 months.
    • No pre-acceptance medical tests are needed.
    • Offers coverage for HIV patients excluding the treatment of AIDS/ HIV.
    • Tax benefits
    • Offers cashless facility
    • The minimum coverage amount is Rs. 3 lakhs to Rs. 4 lakhs.
    • Has more than 7800 network hospitals.

    Cancellation Policy:

    Star Health Insurance Company can cancel this policy anytime based on fraud, misinterpretation, non-disclosure of material facts, moral hazard, or non-cooperation by the policyholder.

    The policyholder can anytime cancel this policy and in such an event the company will allow a premium refund after retaining the premium at the company's short period rate provided no claim has occurred until the date of cancellation.

    Period on Risk

    Rate of Premium to Be Retained

    Up to one month

    1/3rd of the policy premium

    Up to three months

    ½ of the policy premium

    Exceeding six months

    Full policy premium


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    Star Unique Health Insurance Policy Reviews & Ratings

    0 / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
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