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Top-up health plans from Star Health Insurance can help protect your health in the event of a medical emergency after you have exhausted the sum insured by your primary health insurance. Star Health Top-up is an affordable individual and family floater plan that can be purchased in addition to your existing health insurance plan. The Star Health Insurance Top-Up Plan is available in two variants: Gold and Silver, and can be purchased for one or two years.
Policyholders can enjoy lifetime renewability with long-term premium discounts of up to 5%. No medical examination is required to purchase Star Health Insurance Top-up Plans. Premiums can be paid quarterly or semi-annually. The plan's eligibility criteria are 18 to 65 years for adults, with dependent children covered from 91 days to 25 years.
Star Health Insurance Top-up Plans cover in-patient hospitalization, pre- and post-hospitalization expenses, room rent, road ambulance, air ambulance, modern treatments, wellness benefits, and other services.
| PLAN DETAILS |
Star Top Up Plan |
Icicilombard Health Shield 360 Plan |
| Product Type | Top Up and Super Top Up | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Available |
| Plan Entry Age | Minimum: 91 Days to Maximum: 65 Years | 21 to 75 Years |
| Plan Premium Entry Age and S/A | - | 6,500 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual and Family Floater |
| Plan Sample Premium | - | 6,500 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1 Year |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Covered |
| Air Ambulance | - | Covered |
| Global Coverage | - | Covered |
| Claim Ratio | 99.06 | 97.16 |
| Solvency Ratio | 2.21 | 2.69 |
|
Star Health Insurance Plan Detailed Review ICICI Lombard Health Shield 360 Full Review | ICICI Lombard Health Insurance Plan | ICICI Lombard |
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