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Star Group Health Insurance
VS
Galaxy Top Up Health Insurance Plan
1995
Star Health provides Group Arogya Sanjeevani and Star Group Health insurance. With Star group health plans, insured individuals have the freedom to choose to include their family members, like spouse, dependent children, parents, and parents-in-law. Additionally, Star group health plans can be issued with or without co-pay for covering elderly parents and in-laws. Employees also have the option to choose an additional top-up cover to cover his/her requirements. The claim settlement ratio for Star Health is 82.31% for FY 2023-24.
Star group health plans are designed for personalised business needs. Read the article below to explore the inclusions, exclusions, features, and benefits of the Star group plans.
| PLAN DETAILS |
Star Group Health Insurance |
Galaxy Top Up Health Insurance Plan |
| Premium Including GST | ||
| Product Type | Group Health Insurance | Top Up and Super Top Up |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | - |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | Any age can enter this policy | Adult: 18 years to 65 years, Dependent children: 16 days to 25 years |
| Plan Premium Entry Age and S/A | NA | 1995 |
| Plan Waiting Period | Coverage from day 1 | 30 |
| Plan Coverage | Group Health | - |
| Plan Sample Premium | - | 1995 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1, 2, 3 years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 99.06 | 98.9 |
| Solvency Ratio | 2.21 | 4.70 |
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