Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
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. The health plan can be availed either as an individual or family floater basis. The maximum family coverage can be offered to 2A + 3C. The entry age for coverage of dependent children is 3 months to 25 years. Star Health Premier Policy offers an array of coverage benefits to insured individuals such as outpatient medical expenses coverage, automatic restoration of the Sum Insured, health check-up discounts, cataract treatment, and more.
Star Health Premier can be opted for 1/2/3 years and offers a wide range of sum insured options suitable as per your medical needs and requirements ranging between INR 10 L to 1 Crore. Insured individuals do not require to undergo a pre-policy health check-up in order to purchase the plan regardless of their age or the sum insured chosen. Under the Star Health Premier Insurance policy, individuals are offered Star Wellness Program motivating them to promote a healthy lifestyle.
To understand Star Health Premier Policy Insurance in detail, take a look at the below table:
50 Years to no Limit
Senior Citizen Health Insurance
10 L | 20 L | 30 L | 50 L | 75 L | 1 Cr
30 Days
NA
1/2/3 Years
*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.
With wide coverage options available, Star Health Premier Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Covered (for post-bite treatment)
Co-payment
Applicable
Sub-limits
Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
The plan offers a multitude of benefits to the insured individuals that are mentioned below:
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
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.
To understand how much premium one needs to pay towards the Star Health Premier Insurance Policy, let us go through the example given below wherein we have illustrated the sample premiums
Sum Insured (In Rs.) | 10 L | 30 L | 50 L | 75 L | 1 Cr |
Premium (In Rs.) | 21,250 | 32,020 | 37,130 | 41,620 | 45,785 |
Sum Insured (In Rs.) | 10 L | 30 L | 50 L | 75 L | 1 Cr |
Premium (In Rs.) | 41,473 | 62,476 | 72,433 | 81,189 | 89,314 |
Sum Insured (In Rs.) | 10 L | 30 L | 50 L | 75 L | 1 Cr |
Premium (In Rs.) | 62,275 | 93,799 | 1,08,720 | 1,21,859 | 1,34,056 |
Permanent diseases or health conditions that are not included under Star Health Premier Insurance Policy are mentioned below
Obesity or weight control related surgeries
Change of gender treatments
Cosmetic or plastic surgeries
Sterility and infertility treatments
Treatment due to substance abuse
Maternity related expenses
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below
Pre-Existing Diseases 24 Months
Listed Ailmentsr 24 Months
Star Health Premier Insurance Policy is a versatile policy offering efficient medical care benefits to individuals in their later stages of life. With star wellness program, rehabilitation and pain management and other such features, insured individuals can be assured of getting the best services with the health insurance plan.
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:
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Top Up and Super Top Up
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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...
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Critical Illness Health Insurance
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Individual and Family Health Insurance
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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...
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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 t...
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Star Health Insurance for Senior Citizens is exclusively designed for senior citizens who want to meet high medical costs by paying a yearly premium....
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Individual and Family Health Insurance
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Accident Health Insurance
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Critical Illness Health Insurance
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Individual and Family Health Insurance
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