Overview
Star Health Premier Insurance Policy is a unique health plan designed to cover individuals aged 50 years and above, with no maximum entry age limit. The health plan can be availed on either an individual or family floater basis. The maximum family coverage is 2 adults + 3 children. The entry age for dependent children is 3 months to 25 years. Star Health Premier Policy offers an array of coverage benefits such as outpatient medical expenses, automatic restoration of the Sum Insured, health check-up discounts, and cataract treatment.
Star Health Premier can be opted for 1, 2, or 3 years, offering Sum Insured options from INR 10 L to 1 Crore, suitable for various medical needs. No pre-policy health check-up is required to purchase the plan, regardless of age or chosen Sum Insured. The Star Health Premier Insurance policy includes a Star Wellness Program, encouraging a healthy lifestyle.
Star Health Premier Insurance Policy Benefits
The plan offers numerous benefits to insured individuals:
-
Multiple Discounts
Star Premier Health Insurance policy offers multiple discounts, including a 40% floater discount on premiums when covering two adults under the same policy. For adults aged 50 years and above, a 10% discount is offered for a spouse aged less than 50 years.
-
Star Wellness Program
Star Health Premier Insurance Policy offers a wellness program designed to keep insured individuals motivated and encouraged to pursue a healthy lifestyle. Insured individuals can avail up to 10% renewal discounts by accomplishing certain health and wellness tasks.
-
Star Rehabilitation and Pain Management
Star Health Premier Insurance Policy covers expenses for rehabilitation and pain management, up to a specified sub-limit or a maximum of 10% of the Sum Insured per policy period.
-
Organ Donor Expenses
Star Health Premier Insurance Policy covers in-patient hospitalization expenses for organ transplantation from a donor to an insured recipient, provided the transplantation claim is payable.
-
Tax Benefits
Individuals can avail tax benefits as per the Income Tax Act, 1961, for all premiums paid towards the Star Health Premier Insurance Policy.
Exclusions
- Permanent diseases or health conditions not included under Star Health Premier Insurance Policy are:
- 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 specific waiting period:
- Pre-Existing Diseases 24 Months
- Listed Ailments 24 Months
Conclusion
Star Health Premier Insurance Policy is a versatile plan offering efficient medical care benefits to individuals in their later stages of life. With features like the Star Wellness Program, rehabilitation, and pain management, insured individuals can be assured of comprehensive services with this health insurance plan.
Sample Illustrations for Star Health Premier Insurance Policy
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
1 Year - Premium calculated for 1 adult (50 years) on an individual basis with 1 year policy term excluding GST
| 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 |
2 Years - Premium calculated for 1 adult (50 years) on an individual basis with 2 years policy term excluding GST
| 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 |
3 Years - Premium calculated for 1 adult (50 years) on an individual basis with 3 years policy term excluding GST
| 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 |
ChatGPT
Claude
Perplexity
