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All about Star Health Insurance and Plans
Star Health Insurance
Star Health Premier Policy
A unique senior citizen health insurance plan designed for individuals ...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 · 2,753 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Health Premier Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
50 Years to no Limit
Plan type
Senior Citizen Health Insurance
Sum insured options
₹10 L, ₹20 L, ₹30 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
30 days
Renewability
NA
Policy term
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Cataract Treatment Cover
- 10% Health Check- Up Discount
- High SI
- Home Care Treatment
- Road Ambulance Cover
Cons
- 20% Co-pay applicable
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Covered (for post-bite treatment)
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
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.
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.
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
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 91 Days
- Max Entry Age: - No Age Limit
- SI: - 10 L to 1 Cr
- Waiting Period: - 30 Days
Other features & benefits
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.
Star Health Premier Insurance Policy: FAQs
The 5 most-asked questions about Star Health Premier Policy, answered.
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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Star Health Policy Cancellation
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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