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Star Premier Insurance Policy
VS
Care Secure Personal Accident Policy
1200
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals aged 50 years and above, with no maximum entry age limit. The health plan can be availed on either an individual or family floater basis. The maximum family coverage is 2 adults + 3 children. The entry age for dependent children is 3 months to 25 years. Star Health Premier Policy offers an array of coverage benefits such as outpatient medical expenses, automatic restoration of the Sum Insured, health check-up discounts, and cataract treatment.
Star Health Premier can be opted for 1, 2, or 3 years, offering Sum Insured options from INR 10 L to 1 Crore, suitable for various medical needs. No pre-policy health check-up is required to purchase the plan, regardless of age or chosen Sum Insured. The Star Health Premier Insurance policy includes a Star Wellness Program, encouraging a healthy lifestyle.
| PLAN DETAILS |
Star Premier Insurance Policy |
Care Secure Personal Accident Policy |
| Premium Including GST | ||
| Product Type | Senior Citizen Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not 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) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 11400+ |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Not applicable |
| Plan Entry Age | 50 Years to no Limit | 18 to 70 Years |
| Plan Premium Entry Age and S/A | 54026 | 1200 |
| Plan Waiting Period | 30 | N/A |
| Plan Coverage | - | Accidental death cover, disability benefits cover, burns fracture cover, hospital expenses cover |
| Plan Sample Premium | - | 1200 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1,2,3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Covered | Not covered |
| Ayush Treatment | Covered | Not covered |
| Modern Treatment | Covered | Not covered |
| E Consultation | Not Covered | Not covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 99.06 | 97 |
| Solvency Ratio | 2.21 | 1.74 |
|
Star Health Insurance Plan Detailed Review |
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