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
Types of Universal Sompo Health Insurance Plans
Universal Sompo Health Insurance offers various health products to cater to the healthcare needs of every individual, the company offers a wide range of health plans, providing coverage to individuals, families, senior citizens, employees of an organization, and many more. The company at present offers 18 health insurance plans. Let's explore.
Universal Sompo Individual & Family Health Policies
Comprehensive
Universal Sompo Complete Healthcare Insurance
A comprehensive health plan that comes with benefits and value-added services like Dial-a-Doctor, Health Educational Library for People, & many more.
Unique Features
- Dental Treatment covered
- Vaccination cover
- Daily Cash for an Insured Child
Standard/Affordable
Universal Sompo Aarogya Sanjeevani Insurance
A standard health plan that offers complete protection in case of hospitalization due to any serious illness or accident.
Unique Features
- Treatment of Cataract covered
- Dental Treatments covered
- Plastic Surgery covered
Standard
Universal Sompo Saral Suraksha Bima
Saral Suraksha plan covers the insured on accidental death, disability, and diagnosis of listed critical illnesses, or permanent total disablement due to an accident.
Unique Features
- Cumulative Bonus of up to 50%
- Education Grant
- All day care treatments
Universal Sompo Specialized Health Plans
Top-up
Universal Sompo Super Healthcare Insurance
The plan takes care of your medical expenses once your basic cover is exhausted. It boosts the existing coverage by offering an enhanced cover of up to 1 Cr.
Unique Features
- No Medical tests up to 65 years
- 100% restoration of Base SI
- Bariatric Surgery Cover
Senior Citizen
Universal Sompo Senior Citizen Health Insurance Policy
This health plan is specially designed for senior citizens who are above 60 years of age and allows them to cover their spouse’s healthcare needs themselves.
Unique Features
- Cost of Health Check-up Covered
- Daily Allowance up to Rs. 2,500
- Optional covers
Loan Repayment
Universal Sompo Loan Secure Insurance Policy
Repay your outstanding loan amount in the event of your diagnosis of listed critical Illnesses or in case of unfortunate accidental death.
Unique Features
- 4 plan variants to choose from
- 18 Major Medical Illnesses covered
- Optional covers
Personal Accident
Universal Sompo Individual Accident Policy
Universal Sompo's Individual Accident Insurance offers several benefits if the policyholder gets injured or dies in an accident during the policy tenure.
Unique Features
- Compensation Benefit
- Hospital Confinement Allowance
- Funeral charges covered
Critical Illness
Universal Sompo Critical Illness Insurance Policy
The plan provides the necessary coverage to fight against the 11 listed critical illnesses, and pays the sum insured to the family.
Unique Features
- Sum insured up to 20 L
- Free look-up period
- Portability option
Daily Cash
Hospital Cash Insurance Policy
A daily allowance benefit (as hospital cash) is provided to the policyholder at the time of hospitalization.
Unique Features
- Convalescence Benefit
- Long-Term Policy Discount
- No pre-medical tests up to 55 years
Travel Plan
Pravasi Bhartiya Bima Yojana
The policy is designed only for those emigrants who bought this policy before leaving India and have their passports under “Emigration Check Required”.
Unique Features
- Transportation and Airfare Charge
- Maternity expenses
- Repatriation Expenses
Student Oriented
Universal Sompo Surva Vidyarthi Bima Yojana
The plan is taken by an Educational Institution/School for the benefit of the students. The insured can opt for any Section/Benefit and Extension as per their needs .
Unique Features
- Coverage for the Death of the Parent
- Reimbursement of Examination Fees
- Loss of Personal Belongings Cover
Rural Insurance
Universal Sompo Swarna Gramin Bima Yojana (Individual)
Universal Sompo Swarna Gramin Bima Yojana can be taken up by the Gramin (Village Dweller) for covering himself and his family.
Unique Features
- Coverage against personal accident
- Coverage against critical illness
- Optional covers available
Critical Illness
Universal Sompo Aapat Suraksha Bima Policy
The policy offers coverage to support the policyholder during sudden and unexpected medical contingencies, i.e., on the diagnosis of major critical illnesses.
Unique Features
- Accidental Death Cover
- Coverage against 5 critical illnesses
- 100% payout in accidental death
Universal Sompo Group Health Insurance Policies
Micro Insurance
Universal Sompo Sampoorna Suraksha Bima
The plan is designed to meet the insurance needs of sections that are eligible for credit from microfinance institutions such as self-help groups, NGOs, etc.
Unique Features
- Fire & Allied Perils (contents) cover
- Burglary and Robbery cover
- Personal accident and health cover
Group Vector Insurance
Universal Sompo Group Mashak Rakshak Policy
The policy offers coverage for vector-borne diseases such as Dengue, Malaria etc.
Unique Features
- 2% of the SI on a positive diagnosis
- Lump sum benefit
- Coverage for hospitalization
Group Comprehensive
Universal Sompo Group Health Insurance Policy
The plan is designed for the employees working in the trading & manufacturing sectors, social sectors, or members of any society or club.
Unique Features
- Domiciliary Hospitalization covered
- Optional Covers
- AYUSH Treatment covered
Group Personal Accident
Universal Sompo Group Personal Accident
The plan offers protection against the consequences of unforeseeable accidents to a group of employees/members.
Unique Features
- Restricted Contingency Cover
- Adventure Sports Inclusion Cover
- Carriage of Mortal Remains
Group Rural Insurance
Universal Sompo Swarna Gramin Bima Yojana (Group)
Universal Sompo Swarna Gramin Bima Group Yojana can be taken up by an organization such as NGOs, Financial Institutions for covering its rural clientele.
Unique Features
- Coverage against personal accident
- Coverage against critical illness
- Optional covers available
Universal Sompo Corona Specific Policies
Covid-19
Corona Rakshak Policy addresses the financial expenses that occur due to the hospitalization of COVID-19.
Unique Features
- Affordable Premium
- Flexible Sum Insured
- Annual Health Check-Up
Covid-19
Corona Kavach policy offers coverage against the expenses that arise at the time of COVID-19 treatment.
Unique Features
- Emergency Ambulance
- Post-Hospitalization Expenses
- AYUSH Healthcare
