Star Health Insurance Plans
Star Health medical insurance plans are designed to meet all the healthcare requirements of the masses. PolicyX.com has made it simpler for you to choose a Star health plan tailor-made for your and your family by classifying it in different sections as given below:
Star Health Insurance Individual & Family Plans
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
- Avail free health check-ups
- Hospital Cash Benefit
- 100% Automatic Restoration
Star Comprehensive Plan (Pros)
- 99.6% CSR
- Up to 1 Cr SI
- Maternity Cover
- New Born Baby Cover
- Road and Air Ambulance
Star Comprehensive Plan (Cons)
- No Global Coverage
- No IVF Treatment
- No compassionate Travel
- HIV/AIDS not covered
Star Comprehensive Plan (Other Benefits)
- Individual and family floater
- Mid-term inclusion available
- Accidental Death
- Permanent Total Disablement
- Star Wellness Program
Star Comprehensive Plan (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
- Automatic Restroration of SI
- Instant Recharge UPTO 30% of SI
- New born baby cover from 16th day
Family Health Optima Policy (Pros)
- No Pre-Policy Check-up
- Lifelong Renewability
- High SI available
- COVID-19 cover
- OPD covered
Family Health Optima Policy (Cons)
- PED cover not available
- Obesity Treatment Unavailable
- Hazardous Activities
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Family Health Optima Policy (Other Benefits)
- Long term discounts
- Premium Payment flexibility
- Health Check-up Cover
- Domiciliary Hospitalization
- Modern Treatment Cover
Family Health Optima Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L to 25 L
- Waiting Period - 30 Days
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
- No-claim bonus
- Hospital daily cash
- Automatic restoration of SI
Star Young Star Policy (Pros)
- Mid-term inclusion
- 10% discount on early purchase
- Star Wellness Program
- Flexible-Premium Payment
- 2 Plan variants
Star Young Star Policy (Cons)
- PED waiting period
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Star Young Star Policy (Other Benefits)
- Hospital Cash Benefit
- Lifelong Renewal
- E-opinion
- No-claim bonus
- Automatic Restoration
Star Young Star Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 40 Years
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
- Room rent up to 5K/day
- Modern treatments covered
- 20% rural discount available
Arogya Sanjeevani Policy (Pros)
- Affordable Plan
- 50% No Claim Bonus
- Flexible Policy
- Day Care Procedures Covered
- Up to 25% of SI for Cataracts
Arogya Sanjeevani Policy (Cons)
- 5% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Arogya Sanjeevani Policy (Other Benefits)
- Lifelong Renewal
- Road Ambulance Cover
- Day Care Procedures Covered
- AYUSH treatment Cover
- Rural Discount
Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 1 L to 10 L
- Waiting Period - 30 Days
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
- All Daycare procedures
- Automatic Restoration
- Domiciliary hospitalization
Medi Classic Policy (Individual) (Pros)
- Plan Variants Available
- Customizable Plan
- Hospital-Cash Benefit
- 5% Family Discount
- Organ Donor Cover
Medi Classic Policy (Individual) (Cons)
- 10% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Medi Classic Policy (Individual) (Other Benefits)
- New Born Baby Cover
- 100% Super Restoration
- Up to 100% No-claim Bonus
- Psychiatric coverage
- Patient Care Cover
Medi Classic Policy (Individual) (Eligibility Criteria)
- Entry Age - 16 Days
- Max Entry Age - 65 Years
- SI - 1.5 L to 25 L
- Waiting Period - 30 Days
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
- All Daycare procedures
- Coverage for Modern Treatment
- Outpatient Expense
Star Health Gain Policy (Pros)
- Day Care Procedures Covered
- Road Ambulance Available
- Modern Treatments Available
- Outpatient Benefit
Star Health Gain Policy (Cons)
- 20% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Star Health Gain Policy (Other Benefits)
- Up to 60k Cataract cover
- Room Rent Cover
- ICU Cover
- Wide SI options
- Flexible Premiums
Star Health Gain Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 1 L to 5 L
- Waiting Period - 30 Days
Star Health Insurance Specialized Plans
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
- Coverage for Modern Treatments
- Coverage during Pregnancy
- Preventive Health Check Up
Star Women Care Plan(Pros)
- Designed for Women's Care
- Cancer cover optional
- Bariatric Surgery Cover
- Mid-term inclusions
- High SI
Star Women Care Plan (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
Star Women Care Plan (Other Benefits)
- 10% long-term discount
- 10% Air Ambulance Cover
- Pain Management Cover
- Assisted Reproduction
- Automatic Restoration
Star Women Care Plan (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 75 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
- Guaranteed Lifelong renewals
- No Pre-acceptance Medical test
- Availability of Instalment Facility
Senior Citizens Red Carpet Policy (Pros)
- Individual & family floater plan
- Flexible SI
- Road Ambulance Cover
- ICU cover
- Health Check-up cover
Senior Citizens Red Carpet Policy (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
Senior Citizens Red Carpet Policy (Other Benefits)
- Flexible-Premium Payment
- Cataract Treatment available
- Modern treatment cover
- No pre-policy checkup
- OP Consultation
Senior Citizens Red Carpet Policy (Eligibility Criteria)
- Entry Age - 60 Years
- Max Entry Age - 75 Years
- SI - 1 L to 25 L
- Waiting Period - 30 Days
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
- All Daycare procedure
- Pre and Post Hospitalization
- Organ Donor Expense
Star Super Surplus Policy (Pros)
- Flexible Policy
- Avail Long Term Discount
- Cover family up to 2A+3C
- Lifelong renewal
- 2 Plan variants
Star Super Surplus Policy (Cons)
- Includes Deductibles
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
Star Super Surplus Policy (Other Benefits)
- Avail e-opinions
- Star Wellness Services
- Recharge benefit
- Air Ambulance
- No pre-policy Medical check-up
Star Super Surplus Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
- Modern Treatment Covered
- Non-allopathic Treatment
- Coverage Medicine and drugs cost
Star Health Insurance Pre-existing Diseases Plans
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
- Accidents and non-cardiac ailments
- Day care procedure
- No pre-acceptance Medical test
Star Cardiac Care Policy (Pros)
- Flexible Product
- Personal Accident Cover
- 2 Plan Variants
- Road Ambulance
- Day Care Procedures
Star Cardiac Care Policy (Cons)
- 10% Co-Payment
- PED
- Cosmetic Surgery
- Obesity Treatment
- Change of Gender Treatments
Star Cardiac Care Policy (Other Benefits)
- Personal Accident Cover
- Heart Transplantation
- OPD expenses Cover
- Modern Treatment Cover
- COVID-19 Cover
- Cataract Cover
Star Cardiac Care Policy (Eligibility Criteria)
- Entry Age - 10 Years
- Max Entry Age - 65 Years
- SI - 3 L to 4 L
- Waiting Period - 30 Days
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
- Pre-hospitalization (30 days)
- All daycare procedure
- Nursing Expense
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
- No Pre-medical test
- Nursing Expense
- Emergency Ambulance Charges
Star Special Care Policy (Pros)
- Modern Treatment Available
- Day Care Procedures Available
- Ambulance cover
- Room rent cover
- Shared Accommodation cover
Star Special Care Policy (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Pre-existing Diseases
Star Special Care Policy (Other Benefits)
- Treatment of Seizures
- Behavioral Therapy Cover
- Speech Therapy Cover
- Occupational Therapy Cover
- Adeno Tonsillectomy
Star Special Care Policy (Eligibility Criteria)
- Entry Age - 3 Years
- Max Entry Age - 25 Years
- SI - 3 L
- Waiting Period - 30 Days
Star Health Insurance COVID-19 Specific Plans
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
- No pre-medical Test
- Only 16 days of Waiting Period
- Low premium amount
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
- AYUSH Treatments
- Home Care Treatment
- No pre-medical screening test
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
- No pre-medical screening test
- Sum insured: INR 50K to 2.5Lakhs
- Only 15 days Waiting Period
Niva Bupa Health Insurance Plans
Niva Bupa health insurance (formerly known as Max Bupa Health Insurance company) provides a wide range of healthcare plans to individuals, families, and senior citizens. Niva Bupa health plans are designed to cater
to the specific needs of people such as cover for critical illness, pre-existing diseases, etc.
Niva Bupa Health Insurance Individual and Family Health Plan
Niva Bupa Health Insurance Specialized Plans
Top-up plan
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
- No room rent capping
- Unlimited E-consultation available
- Pharmacy and diagnostic services
NivaBupa Health Recharge (Pros)
- Loyalty Additions up to 50%
- Pharmacy and Diagnostic Services
- Personal Accident Cover
- Easy Plan Convertibility
- Day Care Treatments Coverage
NivaBupa Health Recharge (Cons)
- Maternity Treatment not covered
- Pre-existing Diseases not covered
- Alcoholism not covered
- Dietary Supplements not covered
- No COVID-19 cover
NivaBupa Health Recharge (Other Benefits)
- Intensive Care Unit charges
- Domiciliary treatment
- HIV / AIDS Treatment Covered
- Artificial Life Maintenance Benefit
- Room Rent (per day) Up to 1%
NivaBupa Health Recharge (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2 Lakh - 95 Lakh
- Waiting Period - 30 Days
Critical Illness
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
- Daily hospital cash
- Accident care available
- Lifelong renewability
NivaBupa CritiCare (Pros)
- 20 critical illnesses Covered
- Long-term tenure savings
- Different pay-out options
- Tax benefits
- Direct claim settlement
NivaBupa CritiCare (Cons)
- Accident Death
- No Total Disability Cover
- AIDS Not Covered
- Child Education Benefit
- Funeral Expenses
NivaBupa CritiCare (Other Benefits)
- Flexibility Plan Options
- Surgeon's Fee Covered
- Renewal for life
- Diagnostic Procedures/Therapies
- Prosthetic Implants Covered
NivaBupa CritiCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 3 Cr
- Waiting Period - 30 Days
Personal Accident
Offers personal accident cover of up to 2 crores on an individual and family floater basis. Pays 100% of SI to your family in case of accidental death.
Unique Features
- Global coverage available
- Child education benefit
- Permanent Disability Cover
- Funeral Expenses
- Accidental OPD
- Adventure Sports Cover
- Elderly Care Cover
- Burns Cover
- No Alcohol Ailment Cover
- No Cosmetic Surgery
- No Obesity Surgery
- No Suicide Cover
- No War Injury Cover
AccidentCare (Other Benefits)
- Air Ambulance
- Broken Bone/Fracture
- Head & Spinal Injury
- Marriage Expenses for Children
- Comatose Cover
AccidentCare (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - No Age Limit
- SI - 3 L to 5l
- Waiting Period - 30 Days
Comprehensive and Top-Up plan
A unique health insurance plan that combines the benefits of basic SI and top-up cover to offer enhanced protection to individuals and families.
Unique Features
- 100% SI restoration
- Unlimited e-consultation
- No room rent capping
NivaBupa Money Saver (Pros)
- All Day Care Procedures covered
- Accumulated Bonus
- 100% Refill Benefit
- 20% cumulative bonus
- Organ Transplantation Covered
NivaBupa Money Saver (Cons)
- No Maternity Benefit
- Adventure Sports not covered
- STDs not covered
- Cosmetic Surgery Not Covered
- Self Inflicted Injuriesnot covered
NivaBupa Money Saver (Other Benefits)
- Road Ambulance Cover
- Alternate Treatment
- Pharmacy and Diagnostic Services
- Hassle-Free Claims
- Pre & Post Hospitalisation
NivaBupa Money Saver (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 10.5 L to 1 Cr
- Waiting Period - 30 Days
Senior Citizen
A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.
Unique Features
- Coverage for modern treatments
- Multiple co-payment options
- Unlimited SI restoration
NivaBupa Senior First (Pros)
- 3 Variant Available
- No pre-issuance medical tests
- Day 1 Health Check-up
- Safeguard (Add-on)
- Day Care Treatment
NivaBupa Senior First (Cons)
- No Critical Illness Cover
- 50% Co-payment
- No Specific Diseases Covered
- No Pre-existing Disease Cover
- Self Inflicted Injuriesnot covered
NivaBupa Senior First (Other Benefits)
- ReAssure Benefit
- Domiciliary Hospitalization
- Organ Donor Benefit
- Ayush Benefit
- Annual Aggregate Deductible
NivaBupa Senior First (Eligibility Criteria)
- Entry Age - 61 Years
- Max Entry Age - 75 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
