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 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.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
To purchase Star Health Premier Insurance Policy individuals must fulfill the following eligibility criteria:
Minimum: 50 Years Children: 91 Days to 25 Years
Maximum: No Limit
Individual/Family Floater
10 L | 20 L | 30 L | 50 L | 75 L | 1 Cr
1/2/3 Years
30 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.
The plan offers a multitude of benefits to the insured individuals that are mentioned below:
Insured Individuals can opt between a wide range of sum insured options offered by the plan as per their needs and requirements
Coverage for SI:10 L - 1 Crore
Room Rent
Covered for Up to 1% of SI
ICU Charges
Covered
Pre-Hospitalization
Covered for up to 60 days
Post-Hospitalization
Covered for up to 90 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable, Up to 100% of SI
Automatic Restoration
Applicable
Daily Hospital Cash
Not 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
Not Covered
Co-payment
Applicable, 20% on all claims
Sub-limits
Not Available
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized
Common Room categories covered under room rent are:
Coverage status under Star Health Premier Insurance Policy?
Under Star Health Premier Insurance Policy, the room rent is covered up to 1% of SI or to a maximum of INR 20,000 per day.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Health Premier Insurance Policy?
Under Star Health Premier Insurance Policy, ICU charges are covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Star Health Premier Insurance Policy?
Under Star Health Premier Insurance Policy, pre-hospitalization is covered for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Star Health Premier Insurance Policy
Star Health Premier Insurance Policy covers medical expenses incurred during post-hospitalization for 90 Days.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy does cover domiciliary hospitalizations.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy covers the expenses of all daycare procedures.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Star Health Premier Insurance Policy?
OPD charges are covered under Star Health Premier Insurance Policy up to INR 10k.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy does not cover COVID-19.
A common eye condition in which your vision gets blurred.
Coverage status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy covers Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy offers a no-claim bonus from 20% of the sum insured for each claim-free year subject to a maximum of 100% of the sum insured.
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy offers automatic restoration benefits equal to 100% of the base sum Insured.
It is a cash amount that you receive each day during the time of hospitalization..
Coverage status under Star Health Premier Insurance Policy?
The Daily hospital cash is not available under Star Health Premier Insurance Policy.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Star Health Premier Insurance Policy?
Under the plan, Star Health Premier Insurance Policy the organ donor expenses are covered.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy Maternity Cover is not available.
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Health Premier Insurance Policy?
It is covered under this plan up to the below-mentioned limits:
Under the Star Health Premier Insurance Policy, AYUSH treatment is covered up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, IVF is not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, modern treatments are covered up to 50% of SI.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, ambulance cover is available.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, the air ambulance is covered up to INR 2,50,000/- per hospitalization and a maximum of up to Rs.5,00,000/- per policy year.
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Star Health Premier Insurance Policy
Under the Star Health Premier Insurance Policy, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, global coverage is not covered
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, e-consultation is not covered.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Star Health Premier Insurance Policy?
Under the Star Health Premier Insurance Policy, a health check-up is available up to INR 10k.
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 status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy does not cover the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Health Premier Insurance Policy?
Star Health Premier Insurance Policy does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Star Health Premier Insurance Policy?
20% applicable under Star Health Premier Insurance Policy for people whose age at the time of entry is above 65 years.
Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.
Status under Star Health Premier Insurance Policy?
Sub-limits are not applicable.
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 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
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 |
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
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
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
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
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.
The entry age for adults is from 50 years with no upper entry age limit. Meanwhile, dependent children can be covered from 91 days up to 25 years of age.
The various sum insured options available under Star Health Premier Insurance policy range between 10 Lakhs to 1 Crore.
No, maternity coverage is not available under the Star Health Premier Insurance Policy.
Yes, Star Health Premier Insurance Policy covers cataract Treatment up to INR 1 lakh.
Yes, Star Health Premier Insurance policy is eligible for tax benefits as per the Income Tax Act, 1961.
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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.
Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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