Sehwag PX
Star Health Insurance
  • Maternity Cover
  • Tax Benefit Under 80D
  • Life Long Renewal Facility
  • 8k+ Cashless Hospital Network
  • Claim Settlement Ratio 61.76%*

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Star Health Insurance

Star Health & Allied Insurance Company has commenced its operation in 2006 with the aim of offering quality healthcare products at an affordable price. The company deals in Health Insurance, Overseas Mediclaim Policy and Personal Accident cover. The company is offering great products and its core focus is on service excellence, design products and use core competency of innovation to provide the best to its consumers. And as a company, single-mindedly dedicated to health insurance. The company has built a promising path for future with a capital base of Rs.1050 crores. It come out as an India’s first stand-alone Health Insurance Company, dealing in personal accident, medi-claim and overseas travel insurance.

Star Health believes in using the resources to focus on providing excellence in service, design products and use core competency of innovation to deliver the best to their customers. Being India’s first standalone company in the health insurance industry, it deals in various kinds of health insurance policies, medi-claim and overseas travel insurances plans keeping in mind the comfort and suitability of the nation-wide clients.

Established in 2006, the company has progressed by leaps and bounds in just under a decade and has shown exceptional progress as compared to other general insurance companies being in the industry from decades. Raising a benchmark in the health insurance sector, Star Health has become one of India’s most trusted specialist companies for health insurance. It has its presence through more than 290 branch offices across pan India working dedicatedly towards providing the best of policies to their valuable customers. With a vision to become the largest and most preferred Health Insurance company in India, it provides help and assistance to its customers through help lines, call centers and online medium.

The Star Health Insurance has built up an effective grievance redressal mechanism for the customers to deal with them in an open and transparent manner and help them with better services. They enable customers to know claim status within 3 days of receipt of documents; they aim to make the services more visible to a greater audience.

In order to make their services more accessible, Star Health Insurance share regular communications through mails and brochures giving information about the products and services they have to offer. Making life convenient for the customers, the policy holders receive renewal notice 15 days before expiry of policy and provide pre authorisation for cashless facility within 4 hours from receipt of the request.

The company has been awarded with numerous awards and accolades and is ranked among India’s top health insurers. Awarded as the Health Insurance Company of The Year 2015 under the Indian Insurance Awards 2015, it further aims to provide financial security for health care management to a larger user base in the country. Providing comprehensive financial protection against various medical emergencies, the plans and policies under the company are one of the most sought after and trusted in the country. The company further plans to expand the product line and services in the health sector on a continuing basis to serve the audience with the best of everything.

Star Health Insurance Plans

As the Star Health and Allied Insurance Co Ltd deals in the health sector only, therefore the insurance plans are specifically related to health only with a wide range of options on the platter. Defining the aim of a health insurance policy, it is a coverage against the heavy medical expenses an individual is about to bear in the future. Major costs of hospitals, medications and other health related issues are covered under the policy selected by the policy seeker accordingly.

Star Health issue policies on individual health, personal accident and overseas mediclaim policies to their customers and also educate a wider public about the multiple options available under the products and services offered by the Star Health Insurance Company. Having a clear awareness of the needs of the people, they have curated their plans to suit general and major situations related to health.

Many policies offered by the Star Health insurance also provide personalized doctor visit for the policy holders getting hospitalised in order to get a clear picture of the current conditions and the disease. The policies range from Family Floater Schemes to Senior Citizen Health Coverage and much more.

Star Health Insurance claims of hassle-free and customer-friendly direct claim settlement without intervention of TPA. Building and maintaining an enduring relationship with customers, the policies are designed with a special care for providing prompt, courteous and quality service to the customers. Below is the list of all health insurance plans by Star Health Insurance Company:-

Family Health Optima Insurance Plan

Family Health Optima Insurance Plan is a single policy that offers wide coverage to the insured and his family at an affordable price. It offers extra sum assured which is popular as auto recharge without any additional cost. It will also provide free health checkup for the whole year.

Key Features

  • Advantage of free Health Checkup benefit for every claim free year.
  • 3 times Automatic restoration of Sum insured by 100% every year on complete exhaustion.
  • Cover for Assisted Reproductive Treatment.
  • New-born baby cover from 16th day.
  • Donor expenses for organ transplantation.
  • Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
  • Cover for all day care procedures.
  • A grace period of 120 days from the date of expiry of the policy is available for renewal.
Sum Insured 3 Lakhs to 25 Lakhs
Renewability Lifelong
Co Payment Co-payment of 20% applicable only in respect of persons with entry age above 60
PolicyTerm 1 year
Eligibility 18 to 65 years

Senior Citizens Red Carpet Health Insurance Policy

Senior Citizens Red Carpet Plan is an effective health insurance policy that is especially designed for the old people who lies in the age group of 60 to 75 years. Needful consumers can easily avail this plan as it is ready to purchase without any pre medical test.

Key features

  • Entry age from 60 to 75 years.
  • Guaranteed Lifelong renewals.
  • No pre-acceptance medical screening.
  • In-patient Hospitalization Cover.
  • Coverage for all Pre-existing diseases after 12 months from the date of commencement of first policy.
  • Cover for Medical Consultations as an Out Patient.
Sum Insured 1 to 10 lacs
Renewability Lifelong
PolicyTerm 1 year
Co Payment 30% for normal claim and 50% for people with preexisting disease
Daycare treatment Upto a specified limit

Star Comprehensive Insurance Policy

Star Comprehensive Insurance Policy- One more effective health insurance plan that offers outpatient expenses and in-patient expenses. The policy is providing exhaustive benefits for the whole family that will surely reduce your health related worries. This will plan will assist you a lot I reducing the financial burden.

Key features

  • Covers expenses that occurs on Bariatric surgical procedures and its complications.
  • Air ambulance assistance, Second medical opinion are covered.
  • Cost of health check up for every block of 3 claim free years.
  • Cover for maternity (normal and caesarean delivery) and New born baby.
  • Automatic restoration of entire Sum insured by 100%.
  • Dental / ophthalmic cover on OPD basis.
  • Hospital cash benefit.
  • Cover for over 400 day care procedures.
  • Personal accident cover against Death and Permanent total disablement (equal to the Health Insurance cover) at no additional cost.
  • 100% Increase in Sum Insured upon a claim free renewal.
Entry age 18 to 65 years alongand defendant children of 3 months to 25 years
PolicyTerm 1 year
Sum Insured Rs. 5 to 25 lakh
Co Payment 10 percent*
Renwability Life long

Medi-Classic Insurance Policy (Individual)

Medi Classic Insurance from star Health is a policy that provides for reimbursement of hospitalisationexpenses incurred as a result of illness/disease/sickness and/or accidental injuries, so that you can keep your dreams alive.

Key features

  • Cashless hospitalization wherever possible.
  • Network of more than 6000 hospitals across India.
  • 24 x 7 Toll Free.
  • Helpline. Information on health through free health magazine.
  • Facility to maintain personal health record in electric format.
  • No claim bonus as per Policy is 5% for every claim free year - Max. 25%.
Sum Insured age Rs.1.5 lakh to 15 lakhs
Entry age An infant of 5 months to 65 years
Policy Term 1 year
renewability lifetime

Star Health Gain Insurance Policy

This effective health insurance plan allows you the flexibility to insured about choosing the sum assured amount that you need, premium that you can pay from your budget and a perfect tax saver. You can buy the same on individual and floater basis as well.

Key features

  • Health insurance policy that covers both Outpatient expenses & inpatient expenses.
  • Option to choose premium to be paid and Sum Insured required.
  • Premium options: Rs.15000/-; Rs.20,000/-; Rs.25,000/-; and Rs.30,000/-( applicable GST extra).
  • Sum Insured options(for inpatient hospitalization): Rs.1 lakh, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs and Rs.5 lakhs.
  • Sum Insured Type option : Individual and Floater.
  • Policy term: One year.
  • Faster and hassle – free claim settlement.
  • Cashless hospitalization.
Sum Insured 91 days to 65 years
Renewability Life time
Policy Term 1 year
Sun Insured range Rs. 1 Lakh to 5 lakh
Cooling off period 30 Days

Super Surplus Insurance Policy

An effective health insurance plan at an affordable premium. You can easily enroll yourself or your loved one under the same without any ore acceptance report. Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Key features

  • It is basically a top up policy providing higher sum insured at a very affordable premium.
  • Pre-existing diseases covered after 36-months waiting period.
  • No pre-acceptance medical screening required.
  • This policy can be taken on Individual Basis and also on Floater basis.
  • The policy offers two plans: Silver Plan and Gold Plan.
Sum Insured R.3 lakh to 10 lakh
Renewability Life Long
Entry age 18 years to 25 years along with dependent children of age 3 month to 25 years
Policy term 1 Year
Co-Pay For people of age 60 and above is applicable for a 10% co pay

*10 percent of claimable expenses for individuals with entry age 60 years

Diabetes Safe Insurance Policy

A form of health insurance plan that insurance against diabetes for both 1 or 2 type of diabetes. There will get be no pre- acceptance medical screening. Moreover the donor expense against kidney transplant will be liable for get cover.

Key features

  • Policy can be taken on Individual and Floater basis.
  • Two Plans are available – Plan A and Plan B.
  • Plan A – Pre-acceptance medical screening is compulsory.
  • Plan B – There is no pre-acceptance medical screening.
  • No Waiting Period for Plan A. 15 months waiting period for Plan B.
  • Out Patient expenses – for Medical consultations, Diagnostic tests, medicine and drugs.
  • Compensation for Accidental Death of the chosen insured person .
  • Donor expenses for kidney transplant surgery.
  • Dialysis expenses @ Rs.1000/- per sitting up to 24 months.
  • Cost of artificial limbs due to amputation up to specified limits.
Sum Insured Upto 10 lakh
Waiting perod Vary from plan to plan
Restoration Automatic restoration of entire sum insured
Daycare procedures Upto 400
Policy Term 1 Year

Star Cardiac Care Insurance Policy

Star Cardiac Care Insurance Plan is an effective form of Health Insurance policy that provides cover against all types of expenses related to the treatment of insured. This policy is for people who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases.

Key features

  • This policy has two Plan options – Gold Plan and Silver Plan.
  • Under both the Plans hospitalization expenses for non-cardiac diseases and accidents are covered under Section 1.
  • Under Section 2: Gold Plan covers both medical management and surgical/interventional management for cardiac related diseases while Silver Plan covers only Surgical / Interventional management.
  • Out Patient Benefit is there under both plans.
  • Personal Accident Death Cover is also under both plans.
Entry age 10 years to 65 years
Renewability Lifetime
Sum Insured Sum Insured Rs.3 lakh and Rs. 4 lakh
Policy term 1 year
Co pay 10*

*10 percent of claimable expenses for individuals with entry age 60 years

Star Cancer Care Gold (Pilot Product)

It is an insurance plan (on pilot basis) for Cancer affected lives covering risk of recurrence/ Spreading of Cancer (metastasis) / Second cancer (Second Malignancy) unrelated to first cancer.You are advised to select an appropriate Sum Insured as once opted you may not be allowed to change.

Key features

  • A health insurance product for persons diagnosed with Cancer.
  • A pilot product in health insurance industry- a limited period offer.
  • Sum insured rs.3 lakhs & rs.5 lakhs.
  • Entry Age: 5 months to 65 years.
  • Lump sum cover of 50% of Sum Insured - for recurrence, metastasis, and/or a second malignancy unrelated to first cancer.
  • Regular indemnity health cover for accidents & illness other than Cancer.
  • No pre acceptance medical tests.
  • Premium paid is eligible for rebate under Section80D of Income Tax Act, 1961.
Entry age 5 months to 65 yeas
Waiting period 30 months
Sum Insured Up to 500000
Grace period 30 days
Co pay 10 %*

*10 percent of claimable expenses for individuals with entry age 60 years

Star Net Plus

Star Net Plus offers lump sum amount to the insured if he/she declared as AIDS patient under section 1 and in section 2 you will get in patient hospitalization cover. It is the first of its kind health insurance plan who are already infected with human immono virus.

Key features

  • A special policy from Star Health ensures that care reaches those who need it the most.
  • The first policy in India to cover HIV positive individuals.
Sum Insured Up-to 50000
Medical screening Required
Waiting period Within 90 days of commencement
Annual premium Up to 4000
Entry age No age limit

Star Care Micro Insurance Policy

Star Care is a health insurance plan that provides protection for individuals as well as the entire family, on the payment of a single premium under a single sum insured. The Single Annual sum insured of Rs.1,00,000/- covers all your family members, if it is a floater policy.

Key features

  • Policy is available on Individual and Floater basis in Tier I and Tier II places.
  • Cover for pre-hospitalization and post hospitalization.
  • Hospital Cash benefit if treatment taken in Government hospital.
  • Ambulance charges for emergency transportation upto a sum of Rs.500/- per hospitalization and overall limit of Rs.1000/- per policy period.
  • Pre Hospitalisation expenses upto 30 days prior to admission in the hospital.
  • Post Hospitalisation expenses upto 60 days after discharge from the hospital. Medical expenses incurred upto 7% of hospitalization expenses subject to a maximum of Rs.3,000/-.
Entry age Up to 25 years
Renewability Life-long
Sum insured Upto 2 lakhs
Policy types+ Individual and floater
Network hospitals 8400+

Star Criticare Plus Insurance Policy

Star CriticarePlus Insurance is a policy that aims to offer reimbursement of hospitalizationexpenses incurred as a result of illness/disease/ sickness and/or accidental injuries and also provides a lump sum amount in case the insured person is diagnosed with a major illness as listed in the policy for the first time during the policy period.

Key features

  • Cover for 9 specified critical illness.
  • Lumpsum payment on diagnosis of critical illness.
  • No survival period.
  • Also covers regular hospitalization.
  • Cover for non-allopathic treatment up to specified limit.
  • On payment of lumpsum, the cover will continue until expiry of the policy for regular hospitalization.
Sum Assured Up to 10 lakhs
Renewability Lifetime Policy
Co- payment 30 %*
Entry age Up to 65 years
Premium From INR 3750 to 35350

*Terms and conditions apply

Star Family Delite Insurance Policy

Star Family Delite Insurance Policy” – a policy which offers protection at affordable cost for the entire family under a single amount.Hospitalisation Cover protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drug.

Key features

  • Affordable health insurance policy for the family.
  • Sum insured on Floater basis.
  • Cover for pre-hospitalization and post hospitalization.
  • Cover for specified day care procedures.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
Entry age Up to 65 years
Sum insured Up to 3 lakh
Medical screening Required for people with age above 50 years
Renewability lifetime
Premium From Rs.2800 to Rs.33100

Star Special Care

This policy specially designed to provide medical insurance cover for children diagnosed with Autism disorder. The expenses incurred on treatment of certain procedure and/or treatments are payable up-to the limits

Key features

  • Room, boarding, nursing expenses (all inclusive) as provided by the Hospital / Nursing Home up to Rs.5,000/- per day.
  • However if the insured opts to occupy a Shared Accommodation, the insured person shall be paid an amount of Rs.500/- per day subject to a maximum of Rs.2000/- per hospitalization and Rs.10,000/- per policy period.
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees.
  • Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical appliances, Medicines and Drugs etc.
  • Emergency Ambulance up-to a sum of Rs. 750/- per hospitalization and overall limit of Rs. 1,500/- per policy period.
Sum Insured type Individual
Sum insured Upto 300000
Policy term 1 Year
Pre acceptance medical Screening NA
Co pay 20 % of every claim

*Terms and conditions apply

Why to Invest in Star Health Insurance Company?

With a capital base of Rs.985 crores, Star Health has reached new heights having started in 2006 to present. Being new in the market of insurance compared to other general insurance companies and specifically catering to health industry, Star health Insurance has shown a landmark success in a short time span.

The company has been awarded with numerous awards and accolades and is ranked among India’s top health insurers. Awarded as the Health Insurance Company of The Year 2015 under the Indian Insurance Awards 2015, it further aims to provide financial security for health care management to a larger user base in the country. Providing comprehensive financial protection against various medical emergencies, the plans and policies under the company are one of the most sought after and trusted in the country. The company further plans to expand the product line and services in the health sector on a continuing basis to serve the audience with the best of everything.

Beating 28 general insurance companies at the Indian Insurance Award, Star Health was awarded as the ‘Claims Service Company Of The Year, 2014’ along with being rated the Best Claim Settlement Insurer by Hindustan Mars Survey. Each policy covers more than 7800 networked hospitals across India with benefits like cashless hospitalization and remboursement facility too. They boosts of a SRMS portal dedicated to monitoring the grievances registered on the Integrated Grievance Management System (IGMS)as a redressal forum to inform customers about the availability of insurance ombudsman and more. They have shown good results in the past few years and strive to perform the best in the future too.

  • It is the first stand-alone health insurance company of India.
  • The company is providing a bunch of healthcare products from individual to floater health insurance products.
  • The company has more than 340 branch offices. It deals in cashless hospitalisation and reimbursement facility across 8200 plus hospitals in India.
  • In FY2016-17, 3,78,710 claims were settled, Rs.1,378.13 crore was settled in claims, and 87% of the cashless claims was settled in less than 2 hours.
  • Policyholders will get reminder of 15 days before the expiry date of the policy from the insurance company.
  • The insurance company will confirm underwriting decision within 7 days from the receipt of medical reports if a pre-medical examination is required.
  • Hassle-free claim settlement process without the intervention of a Third-Party Administrator.
  • When it comes to cashless facility, the company will provide pre-authorisation within 4 hours from the receipt of the request.
  • Reimbursement claims will be decided on within 30 days of receipt of complete claim documents.
  • All grievances will be acknowledged within 3 days of receipt.
Features Specifications
Network Hospitals 8200+
Waiting Period for Pre-existing Disease 4 Year
Incurred Claims Ratio 60.51%
Number of Policies Issued 2579591
Grievances Solved 98.72%
Renewability Lifetime

What It Covers?

Star Health Insurance plans covering a wide range of things and they vary from plan to plan. Still there are some basic cover that you will get in almost every health insurance plan by star health insurance company.

  • Room, boarding and nursing expenses all inclusive as per the limits.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities and Medicines and Drugs, Oxygen, Blood, Operation theatre, Diagnostic and Cost of pacemaker.
  • Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
  • New Born Baby cover: It starts from 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less.
  • Organ Donor Expenses: Cover upto 10% of the Sum Insured or Rupees One lakh, whichever is less.
  • Air Ambulance charges upto 10% of the Basic Sum Insured during the entire policy period.
  • Post-hospitalisation expenses incurred up to 90 days after discharge from the hospital.
  • Domiciliary hospitalisation: Cover for medical treatment for a period exceeding three days.
  • Cost of Health Checkup: Expenses incurred towards cost of health check-up up to the limits.

How To Apply for a Star Health Insurance Policy?

  • You can apply for star health insurance plan with multiple channels.
  • All individuals who want to buy a star health insurance plan can simply connect with the sales department and can speak to the expert for the same.
  • Moreover, you can take help of an online insurance web agreegator. You have to just provide basic details for the same and the representative will call you back.
  • You can also visit the offline offices for the same.

Online Renewal of Star Health Insurance

  • Star Health and Allied Insurance is providing lifetime renewability option. Below is a step by step guide that can help you with the same.
  • Visit the insurance company's website or our website for instant renewal.
  • Click on the Renewal button.
  • Fill the form with accurate details about your plan that includes policy number, your mobile number, email ID, and date of birth.
  • Fill in your address and click on proceed.
  • Provide all the mandatory information and renewal details that includes gross premium and service tax.
  • A Renewal Notice will occur.
  • After reading the notice, please press the Purchase Policy tab.
  • Fill it with your basic details that includes your name, phone, email and password to pay the premium using net banking, debit card or credit card.
  • It is significant to check the terms and conditions of renewability before buying a health insurance policy.

Star Health and Allied Insurance Login

To log into the Star Health Insurance website, you have to register yourself under the same and for it you have to provide your name, phone, email, and password. You can login with your registered email ID and password. With the online present you will be able to do.

  • Star Health and Allied Insurance mediclaim payment easily.
  • Checking policy renewal notice.
  • Discounts and bonus that you can avail, etc.

Claim Process of Star Health?

There are two modes of getting claim amount- cashless &Reimbusrement

Cashless Claim: Under the same, you have to visit the hospital that should be present in the list of networkhospitals provided by your insurer to you. Inform the insurance company within 24 hours of unplanned hospitalization. And 48 hours of a planned one. You can do the same by calling on the toll free number.

It’s time to show your Star Health ID at the network hospital help desk. The hospital will first check your identity details and then submit a duly-filled and signed pre-authorisation request form to the insurance company.

Star Health will appoint a doctor to verify the pre-authorisation request and send an approval letter to the hospital.

Aftergetting the required details the hospital will proceed with the cashless treatment for the insured member.

In situation where the cashless facility get denied, the insured member can get treated and file for a reimbursement claim after discharge.

Reimbursement Claim: Star Health will provide a panel of doctors to make hospitalisation easier for the insured. All claim intimations have to be made within 24 hours of hospitalisation. Reimbursement facility can be availed at network as well as non-network hospitals.

Under the same, you have to first settle all the hospital bills at the time of discharge on your own and collect all the original documents such as discharge summary, prescription, medical bills, hospital bills, pharmacy bills, etc.

After that file a reimbursement claim form along with the original medical documents at the nearest Star Health branch office within 30 days of discharge.

On successful verification you will get approval, the claim amount will be sent to the insured.

Star Health and Allied Insurance Policy Document

It is vital for all customers to go through the policy document to get to know about all inclusions and exclusions of their plan while buying the same. It will help you a lot in avoiding the chances of rejection at the time of claim settlement. Star Health and Allied Insurance application form, policy document, brochures, pre-authorization form, and KYC form are available on the website.

Mediclaim Premium Calculator

The online premium calculator available on our portal allows you to get an estimate about the insurance premium calculation of your chosen health insurance policy. Visit the web page click on the chosen plan. For example, if you decided to invest in a Family Insurance Plan, you have to provide the basic details such as how many adults and children you want to insure under the scheme, enter the sum insured amount, the date of birth of the eldest member of your family, pincode, etc. Once you are done with providing all essential information, you will get the estimation about the insurance premium for the chosen policy.

Star Health and Allied Insurance Customer Care

Star Health and Allied Insurance has anenthusiastic claims helpdesk who are ready to resolve the claim-related queries of its customers. You can easily get the helpdesk number and contact details on the on the insurance company's website. The grievances will be acknowledged within hours of registration of complaint.

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

You can take help of email ID and toll-free numbers as well.

You can submit your queries online through the insurance company’s website. As one of the largest health insurance companies in India, Star Health and Allied Insurance takes care in redressing the grievances of its clienteles.

Star Health Insurance - FAQ

1. What is a health Card?

A health card is a card that comes along with the Health Policy. It is similar to an Identity card. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals. A health card mentions the contact details and the contact numbers of the TPA.

2. How do I renew my policy after 1 year?

The company would send you a renewal notice informing you of the expiry of your health policy via courier. However the Company is under no obligation to send renewal notice and its absence thereof shall not tantamount to deficiency in services. Hence Customer has the prime responsibility to renew his policy.

3. What is a cashless hospitalisation?

In the event of hospitalization under normal circumstances, the patient or their family will have a bill to pay the hospital. Under Cashless Hospitalization the patient does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by Star Health Insurance.

4. How many claims can I make in a year?

Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the policy.

5. What about tax exemption?

-Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.15,000 for individual covering his family and dependant Children.
-In case the proposer intends to cover his parents under medical insurance, he is eligible for a deduction of another Rs.25,000 under section 80D.
-In case the age of parent to be covered is above 65 years, the deduction available is Rs.30,000 under section 80D.

6. What about tax exemption?

Under this, one single policy takes care of the hospitalisation expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.

7. Is a medical checkup mandatory before buying a health policy?

A medical checkup is necessary for a new health insurance policy for customers above the age of 50 years. Medical checkup is not required only for Senior citizen policy offered to people between 60 years to 69 years. Please check the plan terms and conditions before selecting.

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*Information provided on this webpage/website is only for the purpose of general information & understanding of the topic. PolicyX or any of its subsidiaries does not endorse any of the information provided herewith and are committed in providing correct and unbiased information to its customers helping them make an informed decision.