Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during the treatment of COVID-19 infection. The plan comes on an individual basis, and only one policy is allowed for one insured person.
If you or a loved one contracts COVID-19, the Star Novel Coronavirus (nCov) Insurance Policy will provide affordable health coverage. A lump sum compensation is offered to the insured under this trial programme from Star Health Insurance in case he/she gets diagnosed with the novel coronavirus (COVID-19).
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
18 Years to 65 Years
Individual / Family Floater
1 year
Lifetime Renewability
Rs.21,000 /- and Rs.42,000/-
16 Days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Permanent diseases or health conditions that are not included under Star Novel Coronavirus are:
Claims for the disease contracted prior to the commencement of the policy shall not be admissible
If the policyholder has travelled outside India during the policy period, claims are not admissible.
For a claim to be made, hospitalization is required.
Claims for any other illness other than COVID-19 will not be entertained.
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
Take a look at the below-given sample premium illustrations under different family options with different sum insured options:
Sum Insured (in Rs.) | 21,000 | 42,000 |
Premium Payable | 353 | 706 |
Sum Insured (in Rs.) | 21,000 | 42,000 |
Premium Payable | 706 | 1,412 |
To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
Protection Plan
This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.
Unique Features
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Individual Plan
A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.
Unique Features
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Critical Plan
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
No, the policy ceases to operate either once a claim is settled or on completion of one year.
This is not a problem since a child can be covered under this policy as a dependent along with the parent. Children, up to 25 years of age can be covered under the policy.
At present, the policy duration is 1 year and since it is a pilot product, renewal is allowed until the product is offered.
Yes, cancellation is possible anytime. If the policy is cancelled before 3 months, 15% premium can be refunded. If the policy is cancelled after 3 months, no refund may be given.
There is no medical screening or testing requirement for applicants.
The policy provides a 100% lump sum payment as a benefit to the policyholder who has contracted COVID-19 and has had to undergo hospitalization.
Yes, a free look period is available from the company, whereby you can buy this policy, and if unsatisfied, can return it within 15 days. The refund is applicable only if no claim has been made. Refunds are applicable only for the purchase of the policy and not for renewal.
Simran
Jamshedpur
April 8, 2024
I am impressed by Star Health reward features and want to be associated with the insurer for a long time
Dinesh
Belgaum
April 8, 2024
I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance
Nitika
Jalandhar
April 8, 2024
My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy
Ashima
Amritsar
April 8, 2024
I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...
Shikha Bajaj
Gurgaon
April 8, 2024
I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience
Kanupriya
Rajkot
April 8, 2024
I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.
Neha Sukheja
Indore
April 8, 2024
I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.
Vaidehi Kanaujia
Indore
April 8, 2024
I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.
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*T&C Apply