Star Insurance for Maternity
  • Lifetime Renewal
  • Newborn’s Immunizations
  • Pediatrician Consultation
Star Insurance for Maternity
Network hospitals

Network hospitals

14000+

Incurred claim ratio

Incurred claim ratio

65%

Sum insured

Sum insured

Up to 1 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.0

Pan India Presence

Pan India Presence

850+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Star Insurance for Maternity

Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its fair share of tasks and responsibilities. There are several other factors that couples should consider before and after the baby is born, like not overlooking the cost involved. So, here comes maternity health insurance to the rescue. Maternity health insurance helps deal with exuberant medical expenses related to pregnancy and childbirth.

When we are talking about maternity health insurance, we must illustrate Star Health Insurance for maternity insurance solutions. The maternity plans offered by Star Health have a good scope and one can opt for individual or family health insurance which covers all maternity-related expenses. This is why when it comes to keeping the mother safe and happy, you should not settle for anything but Star Health Insurance for Maternity which covers almost everything.

Star Health Insurance Detailed Review

Star Insurance for Maternity

Star Insurance for Maternity Specifications

To understand Star Insurance for Maternity Insurance in detail, take a look at the below table:

Entry Age

60 - 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

5 Lakh | 1 Cr

Initial Waiting Period*

180 Days

Renewability

N/A

Policy Term

N/A

*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.

Benefits of Star Health Insurance for Maternity

A maternity insurance policy can provide financial comfort in many situations, for that let's check the benefits of the policy to make a clear decision.

  • Star Health Insurance for maternity covers many Utero surgeries such as Congenital cystic adenomatoid malformation (CCAM) of the lung, Congenital diaphragmatic hernia (CDH), Congenital high airway obstruction syndrome (CHAOS) and many more.
  • The company pays for the costs associated with Voluntary Sterilization (Tubectomy/Vasectomy), after a waiting period of 24 months from the date of the first inception of the policy. You may now prepare for a child without worrying about your finances.
  • The company will pay the lump sum amount as per the policy towards miscarriage arising due to an accident subject to a waiting period.
  • Maximum of 25% of the sum insured (including medical and surgical treatment expenses), this helps to get expenses easy on pockets.
  • Test for New Born is payable once for each newborn subject to a limit. Star health insurance pregnancy insurance even covers the cost of the newborn's immunisations to the conclusion of the policy year.
  • Pediatrician Consultation up to 4 consultations per year are payable up to 12 years of age.
  • Preventive health check-up expenses incurred towards the cost of preventive health check-ups.
  • Vaccination expenses for the newborn baby are payable up to 12 months from the birth of the newborn.

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Key Features of Star Health Insurance for Maternity

Having well-constructed maternity insurance can help you to take your first steps toward motherhood without worrying about financial constraints. Let's discuss the key feature of Star Health Insurance pregnancy coverage.

  • The Sum Insured offered by Star Health pregnancy cover is Rs 5 Lakh to Rs 1 Crore.
  • No co-payment is required up to 60 years of age. 10% of co-payment is applicable only after 61 years of age.
  • If you have any pre-existing illnesses, they should be covered after the completion of the given waiting period.
  • No limit on room rent if the patient is treated in a single standard AC room.
  • Star maternity insurance plans offer lifetime renewability and cover you throughout your life.
  • You can get the best treatment in more than 9900 registered hospitals as Cashless Hospitalization.

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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 of Star Health Insurance for Maternity

Buying a maternity insurance plan is an excellent step towards adding financial security. Let's look at a few inclusions of Star Health Insurance for maternity.

Room rent charges, nursing and boarding expenses per the specified limits.

Emergency ambulance transportation charges are also covered.

Newborn baby cover including vaccination up to a Rs 10000

New Born Baby will be covered under this policy for a maximum period of up to 91 days from the date of birth,

Hospitalization expenses incurred on AYUSH (Ayurveda, Homeopathy, Unani and Siddha) can be claimed under the policy.

Pre-hospitalization expenses up to 60 days before getting admitted into the hospital.

Post-hospitalization expenses incurred after 90 days of the discharge from the hospital.

Domiciliary hospitalization expenses for any treatment taken at home as per the specified limit as stated in the policy.

The insured can avail of a second medical opinion from the Company’s network of doctors.

Expenses incurred on health check-ups up to the specified limits for Health Check-up Facility.

Star Health Insurance for Maternity Exclusions

Before choosing a plan, look for the one that best suits your needs and look at its exclusions for avoiding fatalities

Specified illnesses, diseases or treatments are not covered until a waiting period of 24 months is served.

Pre-existing diseases are not covered before 48 months of continuous coverage.

Expenses related to non-allopathic treatment are excluded.

Any injury caused due to self-harm.

Naturopathy treatment.

War and war-like situations

Explore other Star Health Insurance

To cater to the different medical needs of an individual & their family, Star Health Insurance 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 Star Health Insurance plans explore more:

Critical Illness Health Insurance

Star Health Diabetes Safe Health Insurance Plan is a unique plan designed to offer coverage to individuals with diabetes both Type 1 and type 2. The p...

Unique Features

  • Diabetes Cover
  • High Sum Insured
  • OPD Cover

Star Diabetes Safe Insurance Policy (Pros)

Star Diabetes Safe Insurance Policy
  • Road Ambulance Cover
  • Pre and Post Hospitalization
  • ICU Cover
  • Room Rent Cover
  • Day Care Treatment Cover

Star Diabetes Safe Insurance Policy (Cons)

Star Diabetes Safe Insurance Policy
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Diabetes Safe Insurance Policy (Other Benefits)

Star Diabetes Safe Insurance Policy
  • Dialysis Cover
  • Kidney Transplant Cover
  • Artificial Limbs Cover
  • Personal Accident Cover
  • OPD Cover

Star Diabetes Safe Insurance Policy (Eligibility Criteria)

Star Diabetes Safe Insurance Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Senior Citizen Health Insurance

Star Health Premier Insurance Policy is a unique health plan designed to cover individuals who are 50 years and above with no maximum entry age limit....

Unique Features

  • Avail Health Rewards
  • SI Upto 1 Crore
  • Pain Management

Star Health Premier Policy (Pros)

Star Health Premier Policy
  • Cataract Treatment Cover
  • 10% Health Check- Up Discount
  • High SI
  • Home Care Treatment
  • Road Ambulance Cover

Star Health Premier Policy (Cons)

Star Health Premier Policy
  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Premier Policy (Other Benefits)

Star Health Premier Policy
  • Hospice Care
  • Pain Management
  • AYUSH Treatment
  • Modern Treatment
  • 100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

Star Health Premier Policy
  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 10 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Star Cancer Care Platinum Insurance Policy is designed to cater to cancer patients. The plan helps the insured individual's family to be financially p...

Unique Features

  • SI Upto 10 L
  • Hospice Care
  • Pain Management

Star Cancer Care Platinum Insurance Policy (Pros)

Star Cancer Care Platinum Insurance Policy
  • Cataract Cover
  • No pre-medical check-up
  • Lump Sum Cover
  • 50% Cumulative Bonus
  • Hospice Care

Star Cancer Care Platinum Insurance Policy (Cons)

Star Cancer Care Platinum Insurance Policy
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Cancer Care Platinum Insurance Policy (Other Benefits)

Star Cancer Care Platinum Insurance Policy
  • Second Medical Opinion
  • Rehabilitation Cover
  • Pain Management
  • Day Care Treatment
  • Modern Treatment Cover

Star Cancer Care Platinum Insurance Policy (Eligibility Criteria)

Star Cancer Care Platinum Insurance Policy
  • Entry Age - 5 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Star Critical Illness Multipay Insurance Policy is designed to cater to individuals by providing them with a lump sum coverage on the diagnosis of any...

Unique Features

  • Wellness Benefit
  • Cancer Cover
  • Heart Cover

Star Critical Illness Multipay (Pros)

Star Critical Illness Multipay
  • Flexible Payment
  • Long Term Policy
  • Bone Marrow Transplantation
  • Heart Disease Cover
  • 4 Group CI Covered

Star Critical Illness Multipay (Cons)

Star Critical Illness Multipay
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Critical Illness Multipay (Other Benefits)

Star Critical Illness Multipay
  • Open Chest CABG
  • Heart Transplantation
  • Coma of Specified Severity
  • Wellness Programs
  • Major Head Trauma

Star Critical Illness Multipay (Eligibility Criteria)

Star Critical Illness Multipay
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Star Hospital Cash Insurance Policy is designed to provide insured individuals with additional protection and takes care of incidental expenses such a...

Unique Features

  • Accident Hospital Cash
  • ICU Hospital Cash
  • Daycare Treatment

Star Hospital Cash Policy (Pros)

Star Hospital Cash Policy
  • 3 Years Policy Term
  • Cover up to 3 Children
  • 180 days of hospital cash days
  • Comprehensive Plan
  • Various Hospital Cash Covers

Star Hospital Cash Policy (Cons)

Star Hospital Cash Policy
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Hospital Cash Policy (Other Benefits)

Star Hospital Cash Policy
  • Sickness Hospital Cash
  • Accident Hospital Cash
  • ICU Hospital Cash
  • Child Birth Hospital Cash
  • Worldwide Hospital Cash

Star Hospital Cash Policy (Eligibility Criteria)

Star Hospital Cash Policy
  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1k - 5k
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Ane...

Unique Features

  • Explore Star Cardiac Care
  • Benefits & Features
  • Eligibility Criteria

Star Cardiac Care Platinum (Pros)

Star Cardiac Care Platinum
  • Avail Heart Transplantation
  • Long Term Policy
  • Up to 15 L SI
  • Cardiac device cover
  • Installment options available

Star Cardiac Care Platinum (Cons)

Star Cardiac Care Platinum
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Cardiac Care Platinum (Other Benefits)

Star Cardiac Care Platinum
  • Wellness Services
  • Angiogram Test
  • Modern Treatments
  • Pain Management
  • Health Check-ups

Star Cardiac Care Platinum (Eligibility Criteria)

Star Cardiac Care Platinum
  • Entry Age - 7 Years
  • Max Entry Age - 70 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

A unique health insurance plan designed by Star Health Insurance to provide medical coverage to individuals with disabilities and HIV/AIDS. Star Speci...

Unique Features

  • Disability Cover
  • HIV/AIDS Cover
  • Waiver Of Co-Pay Available

Star Health Special Care Gold Plan (Pros)

Star Health Special Care Gold Plan
  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Health Special Care Gold Plan (Cons)

Star Health Special Care Gold Plan
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Health Special Care Gold Plan (Other Benefits)

Star Health Special Care Gold Plan
  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Health Special Care Gold Plan (Eligibility Criteria)

Star Health Special Care Gold Plan
  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Top Up and Super Top Up

Star Extra Protect insurance plan is an add-on cover under Star Health Insurance that enhances the limitations imposed on your existing base policy. Y...

Unique Features

  • Base policy coverage enhancer
  • Extended family coverage
  • Claim guard for the base policy

Star Extra Protect Plan (Pros)

Star Extra Protect Plan
  • Modern treatment coverage
  • Room rent limit extension
  • Base policy’s sum insured enhancement
  • Features similar to the base policy
  • Home care treatment

Star Extra Protect Plan (Cons)

Star Extra Protect Plan
  • No maternity cover
  • Limited to SI of base policy
  • Organ donor expenses not covered
  • Vaccination not covered
  • COVID-19 care not covered

Star Extra Protect Plan (Other Benefits)

Star Extra Protect Plan
  • Individual & family floater plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

Star Extra Protect Plan (Eligibility Criteria)

Star Extra Protect Plan
  • Minor entry age - 91 days - 25 years
  • Adult entry age - 18 - 40 year
  • SI - Base policy above INR 10 Lakhs
  • Waiting Period - As per the base policy

Individual and Family Health Insurance

Star Smart Health Pro policy is a newly launched digital plan by Star Health Insurance for customers who want a truly customizable health insurance pl...

Unique Features

  • Automatic Restoration Benefit
  • Air Ambulance Cover
  • Star Wellness Program

Star Smart Health Pro Plan (Pros)

Star Smart Health Pro Plan
  • Modify Room Category
  • Up to 600% Cumulative Bonus
  • Reduced Waiting Period
  • Non-Medical Items Covered
  • Unlimited Automatic Restoration

Star Smart Health Pro Plan (Cons)

Star Smart Health Pro Plan
  • Adventure Sports Injuries
  • AIDS not covered
  • Injuries due to Illegal activities
  • No IVF Treatment
  • Obesity Not Covered

Star Smart Health Pro Plan (Other Benefits)

Star Smart Health Pro Plan
  • Multiple Discounts Available
  • Family Health Cover
  • Daycare Treatments
  • Air Ambulance
  • Domiciliary Hospitalization

Star Smart Health Pro Plan (Eligibility Criteria)

Star Smart Health Pro Plan
  • Entry Age: 18 Years
  • Maximum Entry Age: 50 Years
  • SI - 5 L to 1 Crore
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Get comprehensive coverage at affordable premiums. Star Comprehensive insurance policy is a complete health insurance plan that looks after all the he...

Unique Features

  • No-Pre acceptance required
  • Get coverage up to 1 Crore
  • Midterm inclusion at additional premiums

Comprehensive Plan (Pros)

Comprehensive Plan
  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Comprehensive Plan (Cons)

Comprehensive Plan
  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Comprehensive Plan (Other Benefits)

Comprehensive Plan
  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Comprehensive Plan (Eligibility Criteria)

Comprehensive Plan
  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries ...

Unique Features

  • Secured hospitalization
  • Road accident protection
  • Comes in 2 variants

Medi Classic Insurance Policy (Pros)

Medi Classic Insurance Policy
  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Insurance Policy (Cons)

Medi Classic Insurance Policy
  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Insurance Policy (Other Benefits)

Medi Classic Insurance Policy
  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Insurance Policy (Eligibility Criteria)

Medi Classic Insurance Policy
  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them wi...

Unique Features

  • Maternity Benefits
  • Preventive Health Check Up
  • Coverage for Modern Treatments

Star Women Care Policy (Pros)

Star Women Care Policy
  • Designed for Women& 039;s Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Policy (Cons)

Star Women Care Policy
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Policy (Other Benefits)

Star Women Care Policy
  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Policy (Eligibility Criteria)

Star Women Care Policy
  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Young Star Extra Protect add-on cover policy is applicable for the Young Star insurance policy and acts as an enhancer for the benefits of the base in...

Unique Features

  • Base policy cover enhancer
  • Claim guard facility
  • AYUSH Coverage

Young Star Extra Protect Policy (Pros)

Young Star Extra Protect Policy
  • Modern treatment coverage
  • Room rent limit extension
  • Base policy’s sum insured enhancement
  • Features similar to the base policy
  • Home care treatment

Young Star Extra Protect Policy (Cons)

Young Star Extra Protect Policy
  • No maternity cover
  • Limited to SI of base policy
  • Organ donor expenses not covered
  • Vaccination not covered
  • COVID-19 care not covered

Young Star Extra Protect Policy (Other Benefits)

Young Star Extra Protect Policy
  • Individual & family floater plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

Young Star Extra Protect Policy (Eligibility Criteria)

Young Star Extra Protect Policy
  • Minor entry age - 91 days - 25 years
  • Adult entry age - 18 - 40 year
  • SI - Base policy above INR 10 Lakhs
  • Waiting Period - As per the base policy

Top Up and Super Top Up

A top-up plan for added coverage at affordable costs Star Super Surplus Insurance Policy is a top-up health insurance plan offering surplus coverage a...

Unique Features

  • No pre-acceptance screening required
  • Coverage for maternity expenses
  • Up to 1 crore cover at affordable rates

Star Health Super Surplus Policy (Pros)

Star Health Super Surplus Policy
  • Flexible Policy
  • Avail Long Term Discount
  • Cover family up to 2A+3C
  • Lifelong renewal
  • 2 Plan variants

Star Health Super Surplus Policy (Cons)

Star Health Super Surplus Policy
  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Health Super Surplus Policy (Other Benefits)

Star Health Super Surplus Policy
  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Health Super Surplus Policy (Eligibility Criteria)

Star Health Super Surplus Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Medical insurance designed specially for heart patients. Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals ...

Unique Features

  • Tailored Plan for Cardiac Patients
  • Coverage for Cardiac and Non-cardiac ailments
  • No Pre-acceptance checkup required

Star Cardiac Care (Pros)

Star Cardiac Care
  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care (Cons)

Star Cardiac Care
  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care (Other Benefits)

Star Cardiac Care
  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care (Eligibility Criteria)

Star Cardiac Care
  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Star micro rural and farmers care is an individual and family floater plan with a sum insured of 1L and 2L respectively for individual and family floa...

Unique Features

  • Understanding the Need of Micro Rural
  • Sample Rates of Premium
  • Check the Eligibility Criteria of the Plan

Rural Micro Health Policy (Pros)

Rural Micro Health Policy
  • Designed for Farmers
  • Flexible Policy
  • Day Care Procedures
  • Flexible Payment Options
  • PED cover available

Rural Micro Health Policy (Cons)

Rural Micro Health Policy
  • 20% co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Rural Micro Health Policy (Other Benefits)

Rural Micro Health Policy
  • No Pre-policy medical checkup
  • Modern Treatments Covered
  • Lifelong Renewal
  • Up to 15k Cataract Cover
  • ICU cover

Rural Micro Health Policy (Eligibility Criteria)

Rural Micro Health Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 2 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

  • Get coverage for the whole family
  • Additional SI for Road Traffic Accident
  • Coverage for Compassionate Travel

Star Family Health Optima (Pros)

Star Family Health Optima
  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Star Family Health Optima (Cons)

Star Family Health Optima
  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Family Health Optima (Other Benefits)

Star Family Health Optima
  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Star Family Health Optima (Eligibility Criteria)

Star Family Health Optima
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Senior Citizen Health Insurance

Perfect plan to secure your old age from medical expenses. Star Senior Citizens Red Carpet Health Insurance Plan is designed to cater to the healthcar...

Unique Features

  • Guaranteed lifetime renewal
  • No pre-medical check-up required
  • Coverage up to 25L for individuals & families

Senior Citizen Red Carpet (Pros)

Senior Citizen Red Carpet
  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizen Red Carpet (Cons)

Senior Citizen Red Carpet
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizen Red Carpet (Other Benefits)

Senior Citizen Red Carpet
  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizen Red Carpet (Eligibility Criteria)

Senior Citizen Red Carpet
  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Star Health has introduced Star Novel Coronavirus (nCoV) (COVID-19) Insurance policy. The policy provides coverage for the expenses incurred during th...

Unique Features

  • Explore the Key Features of the Plan
  • Check the Eligibility Criteria
  • How to Buy the Policy Online?

Star Novel Coronavirus (nCoV) (Pros)

Star Novel Coronavirus (nCoV)
  • Lumpsum payout on COVID-19 diagnosis
  • Short waiting period
  • No medical checkup required

Star Novel Coronavirus (nCoV) (Cons)

Star Novel Coronavirus (nCoV)
  • Global coverage NA
  • No other diseases covered except COVID-19
  • Self-inflicted injuries not covered

Star Novel Coronavirus (nCoV) (Other Benefits)

Star Novel Coronavirus (nCoV)
  • High SI options available
  • Tax benefit
  • Free-look period available

Star Novel Coronavirus (nCoV) (Eligibility Criteria)

Star Novel Coronavirus (nCoV)
  • Min. Entry Age: 18
  • Max. Entry Age: 65
  • SI: 21000 and 42000
  • Policy Term: 1 Year

Individual and Family Health Insurance

Young Star Insurance Policy is tailor-made for youngsters up to 40 years. This plan is available on an individual and family floater basis with two va...

Unique Features

  • No capping on room rent
  • No pre-acceptance checkup required
  • Pay premium in installments

Young Star Policy (Pros)

Young Star Policy
  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Young Star Policy (Cons)

Young Star Policy
  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Young Star Policy (Other Benefits)

Young Star Policy
  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Young Star Policy (Eligibility Criteria)

Young Star Policy
  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Star Health Arogya Sanjeevani is a Health Insurance that safeguards you and your family from the financial burden and stress during hospitalization. A...

Unique Features

  • Comprehensive plan
  • Affordable premiums
  • Include loved ones

Arogya Sanjeevani (Pros)

Arogya Sanjeevani
  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani (Cons)

Arogya Sanjeevani
  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

Arogya Sanjeevani
  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani (Eligibility Criteria)

Arogya Sanjeevani
  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Star Health Gain Insurance Policy offered by Star Health is a medical insurance policy which is designed specifically to provide the best possible med...

Unique Features

  • Family coverage
  • Multiple sum insured
  • Save tax

Star Health Gain Insurance Policy (Pros)

Star Health Gain Insurance Policy
  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Insurance Policy (Cons)

Star Health Gain Insurance Policy
  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Insurance Policy (Other Benefits)

Star Health Gain Insurance Policy
  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Insurance Policy (Eligibility Criteria)

Star Health Gain Insurance Policy
  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Senior Citizen Health Insurance

Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....

Unique Features

  • No medical examinations
  • High sum insured
  • Daycare procedures

Star Health for Senior Citizens (Pros)

Star Health for Senior Citizens

Star Health for Senior Citizens (Cons)

Star Health for Senior Citizens

Star Health for Senior Citizens (Other Benefits)

Star Health for Senior Citizens

Star Health for Senior Citizens (Eligibility Criteria)

Star Health for Senior Citizens

Individual and Family Health Insurance

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 design...

Unique Features

  • Avail maternity cover
  • Care Beyond Coverage
  • Avail Mid-term Inclusions

Star Health Insurance for Family (Pros)

Star Health Insurance for Family

Star Health Insurance for Family (Cons)

Star Health Insurance for Family

Star Health Insurance for Family (Other Benefits)

Star Health Insurance for Family

Star Health Insurance for Family (Eligibility Criteria)

Star Health Insurance for Family

Individual and Family Health Insurance

Turning sixty is a major milestone for a person. It is time to become more careful about one's health. Any kind of illness can bring in a lot of anxie...

Unique Features

  • No medical examinations
  • High sum insured
  • Daycare procedures

Star Health Insurance for Parents (Pros)

Star Health Insurance for Parents

Star Health Insurance for Parents (Cons)

Star Health Insurance for Parents

Star Health Insurance for Parents (Other Benefits)

Star Health Insurance for Parents

Star Health Insurance for Parents (Eligibility Criteria)

Star Health Insurance for Parents

Critical Illness Health Insurance

It is good to be prepared by having a health insurance policy that will take care of the medical and other expenses in case of illness. But, then the ...

Unique Features

  • Lumpsum payout
  • Accidental hospitalization cover
  • Non-allopathic treatments cover

Star Health Critical Illness (Pros)

Star Health Critical Illness

Star Health Critical Illness (Cons)

Star Health Critical Illness

Star Health Critical Illness (Other Benefits)

Star Health Critical Illness

Star Health Critical Illness (Eligibility Criteria)

Star Health Critical Illness

Individual and Family Health Insurance

Motherhood is a rewarding and fulfilling journey, it marks the start of a very important and exciting chapter in your life, but it also comes with its...

Unique Features

  • Lifetime Renewal
  • Newborn’s Immunizations
  • Pediatrician Consultation

Star Insurance for Maternity (Pros)

Star Insurance for Maternity

Star Insurance for Maternity (Cons)

Star Insurance for Maternity

Star Insurance for Maternity (Other Benefits)

Star Insurance for Maternity

Star Insurance for Maternity (Eligibility Criteria)

Star Insurance for Maternity

Accident Health Insurance

Star Health Accident Policy provides optimal care and cover in case of any unfortunate accidents. Accidents are an uninvited inconvenience in any indi...

Unique Features

  • Education Grant Available
  • Avail Home Care
  • Multiple discount benefits

Star Accident Care Policy (Pros)

Star Accident Care Policy

Star Accident Care Policy (Cons)

Star Accident Care Policy

Star Accident Care Policy (Other Benefits)

Star Accident Care Policy

Star Accident Care Policy (Eligibility Criteria)

Star Accident Care Policy

Individual and Family Health Insurance

Most often health insurance plans inadequately cover OPD (out-patient department) expenses for an insurance holder, however, Star Outpatient Care is a...

Unique Features

  • Plan Variants Available
  • Dental & Ophthalmic treatment
  • Lifelong Renewal Benefit

Star Outpatient Care (Pros)

Star Outpatient Care
  • Cover up to 6 family members
  • 3 Plan variants available
  • Dental Cover available
  • Physiotherapy cover
  • Pharmacy cover

Star Outpatient Care (Cons)

Star Outpatient Care
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Breach of law

Star Outpatient Care (Other Benefits)

Star Outpatient Care
  • Dental Treatments Available
  • AYUSH Treatments Available
  • Ophthalmic Treatment
  • Outpatient Consultation
  • Renewal Discounts

Star Outpatient Care (Eligibility Criteria)

Star Outpatient Care
  • Entry Age - 18 Years
  • Max Entry Age - 50 Years
  • SI - 25k - 1 L
  • Waiting Period - 30 Days

Critical Illness Health Insurance

Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesse...

Unique Features

  • Cover 1 family member
  • 30% Co-payment
  • Non-allopathic treatments

Star Criticare Plus Policy (Pros)

Star Criticare Plus Policy

Star Criticare Plus Policy (Cons)

Star Criticare Plus Policy

Star Criticare Plus Policy (Other Benefits)

Star Criticare Plus Policy

Star Criticare Plus Policy (Eligibility Criteria)

Star Criticare Plus Policy

Individual and Family Health Insurance

Star health special care is a unique plan providing indemnity cover to individuals diagnosed with Autism and it is an individual plan. Star health spe...

Unique Features

  • Indemnity cover
  • Autism cover
  • Modern treatment

Star Special Care (Pros)

Star Special Care
  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care (Cons)

Star Special Care
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Disease

Star Special Care (Other Benefits)

Star Special Care
  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care (Eligibility Criteria)

Star Special Care
  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

Top Up and Super Top Up

Top-up health plans from Star Health Insurance can help you protect your health in the event of a medical emergency after you have exhausted the sum i...

Unique Features

  • High Sum Insured
  • Recharge Benefit
  • Wellness Benefit

Star Health Top-up Plans (Pros)

Star Health Top-up Plans

Star Health Top-up Plans (Cons)

Star Health Top-up Plans

Star Health Top-up Plans (Other Benefits)

Star Health Top-up Plans

Star Health Top-up Plans (Eligibility Criteria)

Star Health Top-up Plans

Critical Illness Health Insurance

Cancer is a deadly and difficult disease to deal with, causing patients and their families to struggle emotionally, physically, and psychologically. C...

Unique Features

  • High Sum Insured
  • 37 Critical Illnesses
  • Cancer Cover

Star Health for Cancer (Pros)

Star Health for Cancer

Star Health for Cancer (Cons)

Star Health for Cancer

Star Health for Cancer (Other Benefits)

Star Health for Cancer

Star Health for Cancer (Eligibility Criteria)

Star Health for Cancer

Critical Illness Health Insurance

The burden of medical expenses for cancer treatment can be overwhelming leaving the individuals and their families under financial strain. Star Cancer...

Unique Features

  • Stage 1 & 2 Cancer Cover
  • Specifications
  • Cashless Hospitalization

Cancer Care Gold (Pros)

Cancer Care Gold

Cancer Care Gold (Cons)

Cancer Care Gold

Cancer Care Gold (Other Benefits)

Cancer Care Gold

Cancer Care Gold (Eligibility Criteria)

Cancer Care Gold

Individual and Family Health Insurance

Star Health Assure Insurance Policy is a versatile 360-degree health insurance plan providing wide coverage for self, spouse, dependent children, pare...

Unique Features

  • Maternity Benefit
  • Air Ambulance Cover
  • Star Wellness Program

Star Health Assure Policy (Pros)

Star Health Assure Policy
  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Star Health Assure Policy (Cons)

Star Health Assure Policy
  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Health Assure Policy (Other Benefits)

Star Health Assure Policy
  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Star Health Assure Policy (Eligibility Criteria)

Star Health Assure Policy
  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

Individual and Family Health Insurance

Star Health Insurance Company has launched one of the most revolutionary insurance plans - the Super Star Health Plan. It has the flexibility to custo...

Unique Features

  • Premium discounts
  • Freeze age benefit
  • Dental cover

Super Star Health Plan (Pros)

Super Star Health Plan
  • Daycare procedures
  • Modern treatment
  • Second medical opinion
  • Maternity cover

Super Star Health Plan (Cons)

Super Star Health Plan
  • Compassionate travel
  • Global coverage
  • Adventure sports
  • Breach of law
  • STDs not covered

Super Star Health Plan (Other Benefits)

Super Star Health Plan
  • Newborn baby cover
  • Assisted reproduction cover
  • Home care
  • Domiciliary treatment cover

Super Star Health Plan (Eligibility Criteria)

Super Star Health Plan
  • Adult 18 years to No max limit
  • Dependent children 91 days to 25 years

Star Health Insurance for maternity: FAQs

1. Can a woman buy maternity cover insurance once she is pregnant?

No, the woman cannot buy the policy as she is opting for the cover too late. Already being pregnant will be considered a pre-existing condition and hence will not be eligible for claim under this benefit.

2. What is the waiting period for Star Health Insurance for Maternity?

An initial waiting period of 180 days is applicable from the date of commencement of this policy.

3. Does Star Health Insurance cover Pediatrician Consultation?

Pediatrician Consultation up to 4 consultations per year are payable up to 12 years of age

4. In Star health insurance how many months from the birth vaccination expenses are payable?

Star health insurance for maternity covers vaccination expenses for the newborn baby and they are payable up to 12 months from the birth of the newborn.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.