Star has crafted 21 health plans that ensure to cover your medical needs. Not just for individuals, one can buy Star Health plans for their family, senior citizens, and can even get coverage against Covid19.
Senior Citizens Red Carpet Health Insurance Policy
Star Health Senior Citizens Red Carpet policy takes care of healthcare expenditure and provides a secure future for senior citizens.
Key Features of this plan:
- A discount of 10% is allowed on the premium on submission of the medical test reports like Stress Thallium, Sugar (blood and urine), Blood, Urea, and Blood Pressure of the policyholder.
- 50% of the sum insured/hospitalization is granted for the payment of expenses such as the cost of pacemaker, blood, oxygen, operation theatre charges, anesthesia, etc.
- 25% of the sum insured/hospitalization is provided towards the payment of specialist's fees, anesthetist, medical practitioner, consultants, and surgeon.
Eligibility Criteria:
| Age of Entry | 60 years-75 years |
| Sum Insured (in Rs.) | 1 Lakh/2 Lakhs/3 Lakhs/4 Lakhs/5 Lakhs/7.5 Lakhs/10 Lakhs/15 Lakhs/20 Lakhs/25 Lakhs |
**Last Updated on July, 2021
Star Comprehensive Insurance Policy
Star Comprehensive plan comes with wider coverage options at an affordable premium rate. The plan offers complete security against medical expenses arising out of health eventualities. The plan offers coverage against all healthcare emergencies for an entire family on an individual and floater basis.
Key Features of this Plan:
- The cost of availing services of a surgeon, anesthetist, medical practitioner, consultants, medical facilities such as anesthesia, blood, oxygen, operation theatre charges, pacemaker, medicine, and drugs, etc. are all covered under the plan.
- The plan also covers road ambulance charges (as per specified limits) for emergency transportation to the hospital or from one hospital to another for better treatment.
- Choice of 'Second Medical Opinion' for those policyholders who are uncertain about the diagnosis results of a particular disease and desire to get another professional advice before starting treatment for the same.
- The plan offers a Star Wellness Program, which intends to promote a healthy lifestyle and reward the policyholder for following the same. The wellness points earned by the Insured Person(s) under the wellness program can be utilized to get a discount in premium.
Eligibility Criteria:
| Age of Entry | 3 months - 65 years |
| Sum Insured (in Rs.) | 5 lakhs -1 Crore |
**Last Updated on July, 2021
Family Health Optima Insurance Policy
Star Family Health Optima Plan covers the entire family's medical needs under a single sum insured. The plan offers coverage to all family members at an affordable premium. With several benefits, the plan ensures to cover your and your family's medical needs in case of any medical emergency.
Key Features of this Plan:
- Grab automatic restoration of the sum insured if the insured has consumed the whole amount of the sum insured through continuous claims. The refill can be raised to 3 times at 100% (every time).
- In-patient hospitalization and air ambulance expenses are also covered by the plan.
- The plan offers compensation (Rs. 5,000/policy period) for the return of the mortal remains of the insured. The cost will include the cost of embalming, coffin charges, etc.
Eligibility Criteria:
| Age of Entry | 18 years-65 years |
| Sum Insured (in Rs.) | 1 Lakh-25 Lakhs |
**Last Updated on July, 2021
Medi Classic Insurance Policy (Individual)
Star Health Medi Classic Insurance Policy offers coverage against hospitalization expenses that arise due to illness/disease/sickness or accidental injuries. The plan provides financial support during such times and keeps your savings untouched.
Key Features of this Plan:
- Emergency ambulance facility for each hospitalization (up to Rs. 1,500 per policy term).
- A gradual restoration of the sum insured by 200% (once during a policy period) if all the benefits plus the sum insured have been utilized towards the claim settlement.
- A cumulative bonus equal to 25% of the sum insured (maximum) is credited for every claim-free year.
Eligibility Criteria:
| Age of Entry | 16 days-65 years |
| Sum insured (in Rs.) | 1.5 Lakhs-15 Lakhs |
**Last Updated on July, 2021
Star Health Gain Insurance Policy
Star Health Gain policy allows you to choose the sum insured, premium, and family size as per your needs and requirements.
Key Features of this Plan:
- The plan covers ambulance charges up to Rs. 750 per hospitalization and an overall limit of Rs. 1,500 per policy period.
- Expenses incurred on treatment of Cataract are covered up to Rs. 60,000, subject to the limits chosen by the policyholder.
- The plan also offers coverage for modern treatments such as Uterine artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Robotic surgeries, IntraVitreal injections, Stereotactic radio surgeries, etc.
Eligibility Criteria:
| Age of Entry | 91 days-65 years |
| Sum Insured (In Rs.) | 1 Lakh-5 Lakhs |
**Last Updated on July, 2021
Star Diabetes Safe Insurance Policy
Star Diabetes Safe Insurance is a diabetes-centric health insurance plan that gives financial support to the person who is suffering from Type I or Type II Diabetes, which can cause dangerous effects on the body. The plan offers two variants, Plan A & Plan B, that offers different coverage and benefits, and allows the customers to choose the suitable one.
Key Features of this Plan:
- An amount equal to 100% of the sum insured is restored on the exhaustion of the basic sum insured.
- Emergency Ambulance charges (Rs. 2,000 each policy period) are covered to help the insured person at the time of immediate hospitalization.
- Donor expenses for Kidney Transplantation Surgery and Dialysis expenses @ Rs. 1,000/- per sitting payable up to 24 months are covered.
Eligibility Criteria:
| Age of Entry | 18 years - 65 years |
| Sum Insured (In Rs.) | 3 Lakhs - 10 Lakhs |
**Last Updated on July, 2021
Star Cardiac Care Insurance Policy
Star Health Cardiac Care offers multiple benefits in a single policy, which is specially made for the people who have undergone heart surgeries like Percutaneous Transluminal Coronary Angioplasty (PTCA)/Coronary Artery Bypass Graft (CABG), Atrial Septal Defect (ASD), or Ventricular Septal Defect (VSD), among others.
Key Features of this Plan:
- The plan is available in two options- gold and silver. The individual is free to choose the variant as per their need.
- The plan offers hospitalization coverage for cardiac ailments, accidents, and non-cardiac ailments.
- Expenses for the treatment of Cataracts are payable up to Rs. 20,000 per hospitalization and Rs.30,000 for the entire policy period.
Eligibility Criteria:
| Age of Entry | 10 years-65 years |
| Sum Insured (In Rs.) | 3 Lakhs & 4 Lakhs |
**Last Updated on July, 2021
Star Cancer Care Gold (Pilot Product)
Star Cancer Care Gold plan is designed for those who are suffering from cancer and covers the risk of recurrence/spreading of cancer (metastasis)/second cancer (second malignancy), unrelated to first cancer.
Key Features of this Plan:
- Room rent (single standard A/C), boarding, nursing expenses including consultants, anesthetist, medical practitioner, surgeon's fee for taking consultation/advice due to cancer are covered.
- Under this plan, there is no requirement for a pre-acceptance medical check-up.
- An indemnity cover of Rs. 50,000-Rs. 1 lakh is given for non-surgical and non-interventional therapy of cancer.
Eligibility Criteria:
| Age of Entry | 5 months-65 years |
| Sum Insured (in Rs.) | 3 Lakhs and 5 Lakhs |
**Last Updated on July, 2021
Star Care Micro Insurance Policy
Star Care Micro Insurance is a health insurance plan that offers protection to individuals and their entire families under a single sum insured (on the payment of a single premium).
Key Features of this Plan:
- The plan offers coverage for the room, boarding, and nursing charges at 0.75% of the sum insured (either in a private room or shared accommodation).
- A Hospital cash benefit of Rs. 1,000 per day of hospitalization (maximum of 14 days) will be paid, provided the treatment is taken in a government hospital.
- The plan does not require any pre-acceptance medical screening.
Eligibility Criteria:
| Age of Entry | 18 years-65 years |
| Sum Insured (Floater Policy) | Rs. 1 Lakh |
**Last Updated on July, 2021
Star Criticare Plus Insurance Policy
Star Criticare Plus Insurance provides reimbursement of hospitalization expenses that are incurred due to an illness/disease/sickness/accidental injury. Major illnesses that are covered under Star Criticare Plus Insurance are:
- The first diagnosis of cancer
- Chronic Kidney Disease
- Brain tumor
- Major Organ transplant for the 1st time
- The occurrence of the following events for the first time-
1. Cerebro-Vascular Stroke causing Hemiplegia
2. Acute Myocardial Infarction resulting in left Ventricular Ejection Fraction of < 25%
3. Established irreversible coma
4. Established irreversible Paraplegia
5. Established irreversible Quadriplegia
Key Features of this Plan:
- The plan offers a lump sum amount in case the insured person is diagnosed with any of the listed major illnesses (for the first time) during the policy period.
- The plan covers emergency ambulance charges up to Rs. 750 per hospitalization and an overall limit of Rs. 1,500 per policy period.
- Ayush treatments up to 25% of the sum insured (maximum of Rs. 25,000 per policy period) are covered.
Eligibility Criteria:
| Age of Entry | 18 years-65 years |
| Family Discount | 5% for up to 2 members & 10% for more than 2 members |
**Last Updated on July, 2021
Star Family Delite Insurance Policy
Star Family Delite Insurance Policy is specially designed for families to look after their healthcare needs.
Key Features of this Plan:
- The plan covers ICU expenses up to 1.5% of the opted sum insured.
- Emergency ambulance charges of Rs. 750/hospitalization (maximum of Rs. 1,500 per policy period) are covered under the policy.
- Pre-acceptance medical screening is mandatory for people above 50 years of age.
Eligibility Criteria:
| Age of Entry | 18 years - 65 years |
| Renewability | Lifetime |
**Last Updated on July, 2021
Star Special Care Policy
Star Special Care is a health insurance plan designed to cover children who are diagnosed with Autism Spectrum Disorder.
Key Features of this Plan:
- Room, boarding, and nursing expenses are covered (up to Rs. 5,000 per day) by the plan.
- Fees of surgeons, anesthetists, medical practitioners, consultants, and specialists are also covered.
- There is no requirement for a pre-acceptance medical check-up.
Eligibility Criteria:
| Age of Entry | 3 years - 25 years |
| Sum Insured (In Rs.) | Rs. 3 Lakhs |
**Last Updated on July, 2021
Star Micro Rural and Farmers Care Policy
Star Micro Rural and Farmers Care policy looks after the medical needs of individuals and their families living in rural areas if they are hospitalized due to an illness or an accident.
Key Features of this Plan:
- All daycare procedures are covered under this policy.
- The plan covers the expenses (up to Rs.10,000 per eye and up to Rs. 15,000 per policy period) that are incurred on the treatment of Cataract.
- Up to 4 family members can be covered under this policy, including self, spouse, and 2 dependent children.
Eligibility Criteria:
| Age of Entry | 18 years-65 years |
| Sum Insured (In Rs.) | Rs. 1 Lakh-2 Lakhs |
**Last Updated on July, 2021
Star Outpatient Care Insurance Policy
Star Outpatient Care Insurance Policy pays for outpatient consultation. The coverage includes doctor fees, diagnostic tests, pharmacy bills, physiotherapy, and other therapeutic procedures.
Key Features of this Plan:
- The plan offers three different variants to choose from: Gold, Silver, and Platinum.
- The plan offers coverage for outpatient medical consultation and treatment expenses that occur against Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems.
- Dental treatment expenses to a natural tooth or teeth arising out of accidents are covered under the plan.
Eligibility Criteria:
| Age of Entry | 18 years-50 years |
| Sum Insured (In Rs.) | 25 Thousand-1 Lakh |
Star Hospital Cash Insurance Policy
Star Hospital Cash Insurance offers additional coverage in an event of hospitalization and takes care of your incidental expenses (food or traveling) that are not covered under your standard health insurance policy.
Key Features of this Plan:
- The policy offers 2 different variants to select from: Basic and Enhanced Plan.
- The plan is liable to cover pre-existing diseases after 24 & 36 months (enhanced & basic options) of continuous coverage.
- The plan offers hospital cash benefits under two options:
1. Basic Plan- Rs. 1,000/2,000/3,000
2. Enhanced Plan- Rs. 3,000/4,000/5,000
Eligibility Criteria:
| Age of Entry | 18 years- 65 years |
| Policy Term | 1, 2 & 3 Years |
**Last Updated on July, 2021
Young Star Insurance Policy
Young Star Insurance Policy protects your finances against any medical emergencies and supports your health-related expenses. The plan is available in two variants: The Gold and Silver Plan, which allows the customer to choose the plan as per their needs and requirements.
Key Features of this Plan:
- The plan doesn't require pre-acceptance medical screening to be eligible for purchase.
- The plan offers the Automatic Restoration of 100% of Basic Sum Insured if the coverage provided is fully utilized.
- If you meet with a road accident (resulting in hospitalization), the plan will increase your basic sum insured by 25% (maximum Rs.10 Lakhs).
Eligibility Criteria:
| Age of Entry | 18 years-65 years |
| Sum Insured (in Rs.) | 5 Lakhs to 1 Crore |
**Last Updated on July, 2021
Arogya Sanjeevani Policy, Star Health
With several benefits such as covering all daycare procedures, lifelong renewals, cumulative bonuses, etc., the plan ensures to look after you and your family's healthcare needs.
Key Features of this Plan:
- Under this plan, you will get coverage for AYUSH treatment expenses up to the sum insured limit.
- People who are above 50 years of age have to undergo a pre-acceptance medical check-up.
Eligibility Criteria:
| Age of Entry | 3 months-65 years |
| Sum Insured (in Rs.) | 1 Lakh-10 Lakhs |
**Last Updated on July, 2021
Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy (Pilot Product)
Star Novel Coronavirus plan offers a lump sum to an insured person who is diagnosed and hospitalized for COVID-19. Only one person can be covered under one policy.
Key Features of this Plan:
- A waiting period of 16 days is applicable to get coverage.
- No pre-policy medical check-ups are required before policy purchase.
- If the insured person is not happy with the TnCs of the policy, they will have 15 days from the date of receipt to cancel it.
Eligibility Criteria
| Age of Entry | 18 years-65 years |
| Sum Insured (In Rs.) | 21,000 & 42,000 |
**Last Updated on July, 2021
Corona Rakshak Policy, Star Health, and Allied Insurance Co. Ltd.
The Corona Rakshak Policy allows the policyholders to fight against COVID-19. The policy offers lump-sum benefits (equal to 100% sum insured) to coronavirus patients.
Key Features of this Plan:
- The plan pays out 100% Lump-sum on a positive diagnosis of COVID by the Govt authorized center.
- No Pre-acceptance medical screening is required.
Eligibility:
| Age of Entry | 18 years-65 years |
| Sum Insured (In Rs.) | 50 Thousand to 2.5 Lakhs |
| Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on July, 2021
Corona Kavach Policy, Star Health and Allied Insurance Co Ltd.
Corona Kavach policy (offered by Star Health) provides a financial cushion against the expenses of COVID-19 treatment. One can file a claim if they are hospitalized for COVID-19 after testing positive at a government-authorized diagnostic center.
Key Features of this Plan:
- Cover for pre-hospitalization expenses up to 15 days and post-hospitalization expenses up to 30 days.
- The plan looks after the medical expenses during home care (up to 14 days).
- AYUSH treatments can also get covered under this plan.
Eligibility:
| Age of Entry | 18 years-65 years |
| Sum Insured (In Rs.) | 50 Thousand to 5 Lakhs |
| Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on July, 2021
Star Super Surplus Insurance Policy
Star Super Surplus Insurance helps the policyholder by covering their daily medical costs resulting from hospitalization. It also offers higher-sum insured options with varied plans at nominal prices. The plan is available in two variants-silver and gold.
Features
- Room rent, boarding, and nursing expenses (maximum of Rs. 4,000 per day) are covered under the silver variant.
- Expenses like the cost of pacemakers, blood, oxygen, operation theatre charges, anesthesia, drugs, and other related expenses are also covered.
- Emergency ambulance charges up to Rs. 3,000 per hospitalization are handed out by the insurer under the gold variant.
Eligibility Criteria
| Age of Entry | 18 years - 65 years |
| Policy Period | 1 year |
**Last Updated on July, 2021
We purchase a policy.Policy no.is P/161130/01/2022/053322.Our policy sell officer Miss Priya Pancholiya.she clear all policy doubt.She is a good advisor.