Star Health Health Insurance

Star Health Health Insurance
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Star Health Insurance

Star Health & Allied Insurance Co. Ltd. started its operations in 2006 as India's first Standalone Health Insurance provider. It specializes in providing health insurance at low-cost rates to its customers. Star Health Insurance offers excellent plans that give extended coverage to you and your families. It offers great services in Health, Personal Accident, and Travel Insurance. The company has achieved service excellence and always comes out with innovative products for delivering the best to its customers. Star Health also introduced a new pilot product to provide coverage to COVID-19 patients.

Star health insurance

Star Health Insurance Plans

Below are the Star Health Insurance Plans. Let's discuss them in detail:

1. Senior Citizens Red Carpet Health Insurance Policy

Star Health Senior Citizens Red Carpet policy takes care of healthcare expenditure and provides a secure future to the senior citizens.

Star health insurance

Features:

  • 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 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 is provided towards the payment of specialist's fees, anesthetist, medical practitioner, consultants, and surgeon.

Eligibility Criteria:

Minimum Age of Entry60 years
Maximum Age of Entry75 years
Sum InsuredRs 1 Lakhs/ 2Lakhs/ 3Lakhs/ 4Lakhs /5Lakhs /7.5 Lakhs / 10 Lakhs /15 Lakhs /20 Lakhs /25 Lakhs

Table Data updated on 26-10-2020

2. 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.

Features:

  • 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 for emergency transportation to the hospital as per specified limits.
  • 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.

Eligibility Criteria:

Minimum age of Entry3 months
Maximum age of Entry65 years
Sum InsuredRs. 5 lakhs to Rs. 1 Crore

Table Data updated on 26-10-2020

3. 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 the best coverage at an affordable premium.

Features:

  • The automatic restoration of the sum insured if the insured has consumed the whole amount of sum insured through continuous claims. The refill can be raised to 3 times at 100% (every time).
  • In-patient hospitalization and air ambulance cover are also covered by the plan.
  • The plan offers compensation (Rs.5000) for the return of mortal remains of the insured. The cost will include the cost of embalming, coffin charges, etc.

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry65 years
Sum InsuredRs. 1 lakhs to Rs. 25 lakhs

Table Data updated on 26-10-2020

4. Medi Classic Insurance Policy (Individuals)

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.

Features:

  • Emergency ambulance facility for each hospitalization (up to Rs.1500 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 is credited to the benefit pool of this plan.

Eligibility Criteria:

Minimum age of Entry5 months
Maximum age of Entry65 years
Sum InsuredRs. 1.5 lakhs to Rs. 15 lakhs

Table Data updated on 26-10-2020

The values may change as per the chosen plan option.

5. Star Health Gain Insurance Policy

Star Health Gain policy is a kind of health insurance plan that fulfils your healthcare demands and allows you to choose the sum insured, premium, and family size as per your needs and requirements.

Features:

  • The plan offers ambulance charges up to Rs. 750 per hospitalization and an overall limit of Rs.1500 per policy period.
  • Cover for pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 days.
  • The plan also offers coverage for modern treatments such as: Uterine artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Sublimits including Pre and Post Hospitalisation), Robotic surgeries, Immunotherapy-Monoclonal Antibody to be given as an injection, IntraVitreal injections, Stereotactic radio surgeries, etc.

Eligibility Criteria:

Minimum age of Entry18 years for adults
91 days for dependent children
Maximum age of Entry65 years for adults
25 years for dependent children
Sum InsuredRs. 1 lakhs to Rs. 5 lakhs

Table Data updated on 26-10-2020

6. Star Diabetes Safe Insurance Policy

Star Diabetes Safe Insurance policy 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.

Features:

  • An amount equal to 100% of the sum insured is restored on the exhaustion of the basic sum insured.
  • Emergency Ambulance charges (Rs. 2000 each policy period) are covered to help the insured person at the time of immediate hospitalization.
  • Donor expenses for kidney transplantation surgery where expenses associated with in-patient treatment of organ donors are included.

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry65 years
Sum InsuredRs. 3 lakhs to Rs. 10 lakhs

Table Data updated on 26-10-2020

7. Star Cardiac Care Insurance Policy

Star Health Cardiac Care offers multiple benefits in a single policy, which is especially made for the patients suffering from heart ailments. The plan offers a custom made solution and keeps you financially stable while undergoing the treatment.

Features:

  • Provision of expenses for pre-hospitalization up to 30 days and post-hospitalization up to 60 days.
  • The plan also offers coverage for out-patient expenses.
  • Expenses for the treatment of Cataract are payable up to Rs.20,000 per hospitalization and Rs.30,000 for the entire policy period.

Eligibility Criteria:

Minimum age of Entry10 years
Maximum age of Entry65 years
Sum InsuredRs. 3 lakhs & Rs. 4 lakhs

Table Data updated on 26-10-2020

8. 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.

Features:

  • 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.
  • Indemnity cover of Rs.50,000 to Rs.1 lakh is given for non-surgical and non-interventional therapy of cancer.

Eligibility Criteria:

Minimum age of Entry5 months
Maximum age of Entry65 years
Sum InsuredRs. 3 lakhs & Rs. 5 lakhs

Table Data updated on 26-10-2020

9. Star Care Micro Insurance Policy

Star Care Micro Insurance is a health insurance plan that offers protection to the individuals and their entire families under a single sum insured (on the payment of a single premium).

Features:

  • 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).
  • Hospital cash benefit of Rs.1000 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.
  • The plan covers 405 daycare treatments.

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry65 years
RenewabilityCan be renewed for a lifetime after 65 years

Table Data updated on 26-10-2020

10. Star Criticare Plus Insurance Policy

Star Criticare Plus Insurance provides reimbursement of hospitalization expenses that are incurred due to an illness/disease/sickness/accidental injuries.

Features:

  • 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 a sum of 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:

Minimum age of Entry18 years
Maximum age of Entry65 years
Maximum Sum InsuredRs. 2,00,000 (for persons entering between 60 and 65 years)

Table Data updated on 26-10-2020

11. Star Family Delite Insurance Policy

Star Family Delite Insurance Policy is specially designed for families and offers protection at an affordable cost with multiple benefits.

Features:

  • The plan covers ICU expenses up to 1.5% of the opted sum insured.
  • Emergency ambulance charges of Rs.750 (maximum of Rs.1500 per policy period) are covered under the policy.
  • Pre-acceptance medical screening is mandatory for people above 50 years of age.
  • Pre and post-hospitalisation expenses (30 & 60 days) are taken care of by the company.

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry65 years
RenewabilityLifetime renewability

Table Data updated on 26-10-2020

12. Star Special Care Policy

Star Special Care is a health insurance plan designed to cover children who are diagnosed with Autism Spectrum Disorder.

Features:

  • Room, boarding, and nursing expenses are covered by the plan up to Rs.5,000 per day.
  • Fees of surgeons, anesthetists, medical practitioners, consultants, and specialists are covered.
  • Coverage for all daycare treatments is included.
  • There is no requirement for a pre-acceptance medical check-up.

Eligibility Criteria:

Minimum age of Entry3 years
Maximum age of Entry25 years
Policy Term1 years
Sum InsuredRs.3 Lakhs

Table Data updated on 26-10-2020

13. Star Micro Rural and Farmers Care Policy

Star Micro Rural and Farmers Care look after the medical needs of individuals and their families living in rural areas if they are hospitalized due to an illness or an accident.

Features:

  • All daycare procedures are covered under this policy.
  • The plan covers the expenses that are incurred on the treatment of Cataract up to Rs.10,000 per eye and up to Rs.15,000 per policy period.
  • Up to 4 family members can be covered under this policy including self, spouse, and 2 dependent children.

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry65 years
Policy Term1 years
Sum InsuredRs.1 Lakh - 2 Lakhs

Table Data updated on 26-10-2020

14. Star Outpatient Care Insurance Policy

Star Outpatient Care Insurance Policy is a standalone product that pays for outpatient consultation. The coverage includes doctor fees, diagnostic tests, pharmacy bills, physiotherapy, and other therapeutic procedures.

Features:

  • The plan offers coverage for outpatient medical consultation and treatment expenses that occur against Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy systems.
  • The plan offers three different variants to choose from: Gold, Silver & Platinum.
  • The plan has four coverage options- Rs.25K, 50K, 75K, and 1 Lakh.

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry50 years
Policy Term1 years
Family SizeUp to 6 members

Table Data updated on 26-10-2020

15. Star Hospital Cash Insurance Policy

Star Hospital Cash Insurance offers additional coverage in an event of hospitalization and takes care of your incidental expenses that are not covered under your Health Insurance Policy.

Features:

  • The policy offers 2 different variants to select from: Basic and Enhanced Plan.
  • The plan offers a lump sum benefit for the period of hospitalization.
  • The plan offers hospital cash benefits under two options:
  • Basic Plan- Rs.1000/2000/3000
  • Enhanced Plan- Rs.3000/4000/5000

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry65 years
Policy Term1,2 & 3 years

Table Data updated on 26-10-2020

16. 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: Gold & Silver plan.

Features:

  • The plan doesn't require pre-acceptance medical screening.
  • The coverage options for this plan starts from Rs.5 Lakhs to 1 Crore.
  • If you meet with a road accident (resulting in-patient hospitalisation), the plan will increase your basic sum insured by 25% (maximum Rs.10 Lakhs).

Eligibility Criteria:

Minimum age of Entry18 years
Maximum age of Entry40 years
Policy Term1,2 & 3 years

Table Data updated on 26-10-2020

17. Arogya Sanjeevani Policy, Star Health

Arogya Sanjeevani Policy aims to offer financial protection to you and your family in times of medical emergencies.

Features:

  • All daycare procedures are covered under the policy.
  • Under this plan, you will also get coverage for AYUSH treatment expenses up to the sum insured limit.
  • The policy covers pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 days.
  • People who are above 50 years of age have to undergo a pre-acceptance medical check-up.

Eligibility Criteria:

Minimum age of Entry3 months
Maximum age of Entry65 years
Policy Term1 years
Sum InsuredRs.1 Lakh-10 Lakhs

Table Data updated on 26-10-2020

18. Star Novel Coronavirus (nCoV) (COVID-19) Insurance Policy (Pilot Product)

Star Novel Coronavirus plan provides affordable cover for healthcare costs to fight against the COVID-19.

Features:

  • A waiting period of 16 days is applicable to get the coverage.
  • No pre-policy medical check-ups are required before policy purchase.
  • The plan shall cease after the payment of lump-sum benefit.

Eligibility Criteria:

Minimum age of Entry18 years for adults
Maximum age of Entry65 years for adults
Sum InsuredRs.21,000 & 42,000

Table Data updated on 26-10-2020

19. Corona Rakshak Policy, Star Health and Allied Insurance Co Ltd.

The Corona Rakshak Policy (offered by Star Health Insurance) allows the policyholders to fight against COVID-19. The policy offers lump-sum benefit (equal to 100% sum insured) to the coronavirus patients.

Eligibility Criteria:

Entry AgeFor Adults: 18 years-65 years
Sum InsuredRs,. 50,000 to Rs. 2,50,000
Policy Period3.5 months, 6.5 months, and 9.5 months

Table Data updated on 26-10-2020

20. 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 (s)he is hospitalized for COVID-19 after testing positive at a government-authorized diagnostic center.

Eligibility Criteria:

Entry AgeFor Adults: 18 years-65 years
Sum InsuredRs,. 50,000 to Rs. 5,00,000
Policy Period3.5 months, 6.5 months, and 9.5 months

Table Data updated on 26-10-2020

21. Star Super Surplus Insurance Policy

Star Super Surplus insurance is available on a floater basis that provides safety to the policyholder by covering daily medical costs resulting from hospitalisation. It also offers higher sum insured options with varied plans at nominal prices.

Features:

  • Room rent, boarding, and nursing expenses (maximum of Rs. 4,000 per day) are covered.
  • 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.

Eligibility Criteria:

Minimum age of Entry18 years for adults
Maximum age of Entry65 years for adults
Policy Period1 years

Table Data updated on 26-10-2020

How To Buy Star Health Insurance Plans?

There are two popular options to buy Star Health plans. Let's take a look at them-

Through the Company's Website

  • Visit the official website of Star Health Insurance company and click on the 'Buy Now'' tab.
  • Fill in all the necessary details.
  • Once you have selected the plan of your choice, make the premium payment.
  • Your policy document will be mailed to you at your registered email address.

Through PolicyX.com

  • Scroll up to the top of this page and fill the details in the 'Calculate Star Health Insurance Premium' form.
  • The next page will show all the available plans. Choose the best Star health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

What Is the Claim Process of Star Health Insurance Plans?

Cashless Claim Settlement Process

  • The cashless facility is only available at network hospitals of Star Health.
  • Reach the insurance desk of the hospital and show your health identity card.
  • You can download the pre-authorization form from the company's website. Fill the details and submit the form.
  • The form will be submitted to the company and will be processed further for verification.
  • The company's assigned field doctor may visit you (if required).
  • On successful verification and acceptance of the claim, the insured can enjoy a cashless treatment facility. All the bills will be looked after by the company.

Reimbursement Claim Settlement Process

  • The reimbursement claim is applicable if the treatment is taken at a non-network hospital.
  • Contact the company within 24 hours of hospitalization.
  • Avail treatment, settle all the bills, and file a claim for reimbursement.
  • Submit the required documents like hospital bills, pharmacy bills, together with all the original documents of treatment and the claim form to the company within 15 days of the discharge.
  • The company will verify all the information and process the claim. The confirmation of the same will be communicated to you over call or email.
  • If approved, you will receive the reimbursement amount in your registered bank account.

How To Contact Star Health & Allied Insurance Company?

Contact Address: Star Health & Allied Insurance Co. Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai - 600 034

Customer Support: Toll-free Number: 1800-425-2255/1800-102-4477, E-mail: support@starhealth.in

Star Health Insurance: FAQs

1. Does Star Comprehensive Insurance Policy offer maternity benefits under health insurance plans?

Yes, the plan offers coverage against the expenses incurred for delivery (including delivery by Caesarean section).

2. Can one avail Star Health Insurance if one is not Indian by nationality but is living in India?

Yes, foreigners who are living in India can be covered under a Star Health insurance policy. But the coverage is only limited to India.

3. What are the Critical Illnesses covered under Star Criticare Plus Insurance?

Major illnesses that are covered under Star Criticare Plus Insurance are:

  • The first diagnosis of cancer
  • Chronic Kidney Disease
  • Brain tumour
  • Major Organ transplant for the 1st time
  • The occurrence of the following events for the first time-
  • Cerebro-Vascular Stroke causing Hemiplegia
  • Acute Myocardial Infarction
  • Established irreversible coma
  • Established irreversible Paraplegia
  • Established irreversible Quadriplegia

4. What documents are required to file a claim under Star Health Plans?

  • Completed claim form with necessary details like present address, contact number, and e-mail ID.
  • Original bills, receipts, and discharge certificate/card from the hospital.
  • Original bills from chemists supported by proper original prescriptions.
  • Receipt and investigation test reports from a pathologist supported by the note from attending medical practitioner/surgeon prescribing the test.
  • Nature of operation performed and surgeon's bill and receipt.
  • Self-declaration/MLC/FIR in case of accident cases.
  • Treating doctor's certificate.
  • NEFT and KYC details.

5. Is there any co-payment clause present under Star Arogya Sanjeevani policy?

Yes. Every claim under this policy is subject to a co-payment of 5%.

Page updated on 26-10-2020