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All about Star Health Insurance and Plans
Star Health Insurance
Star Health Insurance for Family
Star Health Insurance plans for a family are a golden investment when ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Health Insurance for Family
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Star Health Insurance plans for a family are a golden investment when it comes to securing the future of your loved ones. Star family plans are designed with you and your family in mind. Star Health Insurance for families offers varied benefits tailored to ensure you make the best choice in securing every family member. A Star health mediclaim policy for families is a comprehensive health insurance plan that goes a long way in reducing your financial burden. The plans are available on both individual and family floater basis, and people aged between 3 months to 65 years can be covered under this policy. Policyholders can avail benefits for themselves, their spouses, and dependents under this plan.
Star Health Insurance for Family offers multiple comprehensive benefits to policyholders:
- Financial Security: A Star mediclaim policy for the family covers hospitalization expenses, treatment costs, domiciliary expenses, ambulance charges, and more, depending on your policy type.
- Cashless hospitalization: Avail cashless treatment at network hospitals across multiple cities in India.
- Tax benefits: Enjoy tax benefits on premiums paid towards a health insurance policy under Section 80D of the Income Tax Act, 1961.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
3 months to 65 years
Plan type
Individual and Family Health Insurance
Waiting period
30 days
Renewability
NA
Policy term
1 / 2 / 3 year
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Annual health check-up
- Daycare procedures
- AYUSH cover
Cons
- Intentional self-injury
- Miscarriage and abortion
- Congenital disease
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Key Benefits of Star Health Insurance Plans for Family
Star Health Insurance for family is one of the best plans for families that offers extensive coverage to the whole family on a floater sum insured basis. This plan by Star Health & Allied Insurance Company Limited covers family members and takes care of their health. There are multiple benefits involved with this plan:
- High Sum Insured: Star Health Insurance plans for family offer a wide range of sum insured options suitable for every individual's personal needs.
- Care Beyond Coverage: Star Health Insurance plans for family offer disease management programs for a healthy life through wellness initiatives and attractive premium discounts.
- Extra Cover: Star Health Insurance plans for family offer additional coverage options such as air ambulance assistance, second medical opinion, domiciliary hospitalization, organ donor expenses, AYUSH treatment, and more.
- Hospitalization Expenses Coverage: Up to 25% of the total sum assured is provided for fees of medical practitioners, consultation, surgeons, anesthetists, and specialists during hospitalization.
- Maternity Cover: Star Health Insurance plans for family cover maternity (normal and Caesarean delivery) and newborn babies.
- Mid-term Inclusions: Newly married/wedded spouses and newborn babies can be included mid-term by paying an additional premium.
Star Health Insurance Network Hospital List
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Pre and post hospitalization expenses
- Annual health check-up
- Daycare procedures
- COVID-19 treatment
- Ambulance cover
- AYUSH coverage
- Domiciliary hospitalization
Exclusions
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- HIV/AIDS
- Miscarriage and abortion
- Congenital diseases
- Infertility and in-vitro fertilization
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 3 months to 65 years
- Sum Insured: Up to ₹1 Crore
- Initial Waiting Period: 30 days
Other features & benefits
- Ambulance cover
- Wellness benefits
- High Sum Insured
Star Health Insurance Plans for Family: FAQs
The 10 most-asked questions about Star Health Insurance for Family, answered.
Yes, Star Health has quite a few options in health insurance plans for the family and offers policyholders multiple benefits under these plans.
Yes, some plans offered by Star Health offers OPD treatments.
Yes, Star health plans for family do offer maternity and new born baby cover.
It is a Disease management programme for healthy life through wellness and offers attractive premium discounts.
Yes, Star health insurance plans for family offer a Cost of Health checkup for every claim free years.
Star Health family plans cover hospitalization expenses, pre and post-hospitalization costs, daycare procedures, ambulance charges, room rent, ICU expenses, and sometimes maternity, wellness, and preventive healthcare benefits.
Yes, Star Health offers cashless treatment across its wide network hospitals in India, allowing policyholders to receive medical care without upfront payment, subject to policy terms and approval.
Pre-existing diseases generally have a waiting period of 2–4 years under Star Health family plans, depending on the specific policy chosen and terms mentioned at the time of purchase.
You can cover yourself, spouse, dependent children, and in some plans, parents or in-laws under a single family floater policy.
Most insurers offer a grace period of 15 to 30 days after expiry to renew your policy without losing continuity benefits.
Explore Star Health Insurance
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Star Health Policy Download
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Renewal of Star Health Insurance
Star Health Insurance Customer Care
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Star Health Policy Cancellation
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