How To Renew Your Star Health Insurance Policy
Health insurance generally secures you for a lifetime, but you need to renew it after some time. It is an important task and has to be renewed every year or every two years as per your health plan. There are multiple benefits that you can avail upon completion of policy tenure.
The renewal process of Star Health Insurance is very easy, you can call them directly or visit their online website. We must tell you that if you follow Star Health Insurance's online process, then you will get a lot of other benefits such as an online renewal discount, no-claim bonus, waiting period benefits, and continued coverage without any interruption.
The company offers multiple Star Health Insurance plans with policy tenures of 1, 2, and 3 years.
Star Health Insurance Renewal Process
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Online procedure
These are the steps you can follow when you are opting for an online renewal process.
Step 1: Visit Star Health Insurance Official Website
Type https://www.starhealth.in/ on your mobile/desktop internet browser and visit the official website of Star Health Insurance. Click on the ‘renewal’ tab that will lead you to the renewals section for your star health insurance policy.
Step 2: Provide Necessary Details
On reaching the star health renewal page, insured individuals are required to fill in their policy details like policy number and date of birth.
Step 3: Make Online Payment
On fulfilling all the details for your Star health policy renewal online, you are redirected toward the payment gateway wherein you can pay for your policy.
Step 4: Renewal Confirmation
Once the star health insurance online renewal is complete, insured individuals receive a renewal confirmation stating that their star health insurance policy is renewed.
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Offline Procedure
For offline renewal of Star Health Insurance, you can visit the nearest branch of Star Health or you can call their toll-free number and they will guide you step-by-step.
How PolicyX Can Help You?
PolicyX is one of the renowned aggregators and advisers for your insurance. You can get in touch with us for any health insurance, term insurance, or life insurance inquiries.
To renew your Star Health Insurance policy you can call our experts on the toll-free number 1800-4200-269 or mail us at helpdesk@policyx.com and our expert advisors will take you through the entire renewal process.
Why Choose Star Health Insurance Online Renewal?
You will get loads of benefits if you choose the online renewal process of Star Health Insurance. To know more in-depth, take a look at the details below.
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Uninterrupted Cover
Your coverage for health insurance will be uninterrupted if you choose Star Health Insurance online renewal. By renewing the policy, insured individuals do not need to worry about the discontinuation of their medical care facilities.
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Waiting Period Benefits
Every health insurance policy comes with a waiting period clause of 2-24 months for several illnesses like thyroid, diabetes, etc. With Star health insurance renewal you can skip all the waiting period clauses and continue to the policy coverage.
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Plan Revision
When renewing the Star health insurance policy you can make changes as per your current need. Policy renewal is the best opportunity to enhance your policy, add or remove members, opt for higher plan coverage, and much more.
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No-Claim Bonus
When you renew your policy without a claim, then you will get a no-claim bonus benefit. The SI in no-claim bonus might range from 5% to 100%.
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Tax Benefits
By availing of the Star Health policy renewal online facility ensures that you are assured of tax benefits as per the income tax laws of India. All the premiums paid towards Star health insurance policy will be eligible for tax benefits.
Avoid Lapsation of the Policy
If you do not renew your policy on time, then it might get lapsed. To avoid policy lapsation you need to do the following:
- Keep track of your renewal dates.
- Get the facility of reminders through e-mail and SMS.
- Use auto debit facility to save time.
- Understand the value of a grace period.
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.
Value of Grace Period
To avoid policy lapsation, the health insurance company provides extended time to renew the policy. This time is called the grace period. Star health insurance provides a 30-day grace period to maintain the continuity of the health plan.
Although, you cannot claim during this period, but your benefits will be secured and you avail of them after paying the premium.
Why Renewing the Policy is Better than Porting?
As per IRDAI, every policyholder has the right to port their policy. But porting has a lot of drawbacks. Let us have a look at each of them for your advantage:
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Approach the new Health Insurer
To port your health insurance you need to get in touch with the new health insurer. You have to do this step at least 45-60 days before the premium renewal date of the existing policy.
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Fill out the Proposal Form
You have to fill out a proposal form with your request for portability and need to submit the previous policy details.
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Document Verification
Once the company receives your request, they will verify your details with your existing insurer and check your health history and claim status.
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Final Decision
Based on the information received and the underwriting guidelines, your new health insurer can either accept or reject your proposal
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Lapse of Benefits
You will lose all the benefits that you were getting from the previous policy.
A Thing to Note
If you are not happy with your existing policy then you can opt for portability. However, in this porting process, you might lose all the benefits of the existing policy. So, before porting your health insurance policy, check the new insurer’s terms and conditions, and choose wisely. Policy renewal is always the best option to avail of the adjoining benefits for longer terms.
Explore other Star Health Plans
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
- Avail free health check-ups
- Hospital Cash Benefit
- 100% Automatic Restoration
Star Comprehensive Plan (Pros)
- 99.6% CSR
- Up to 1 Cr SI
- Maternity Cover
- New Born Baby Cover
- Road and Air Ambulance
Star Comprehensive Plan (Cons)
- No Global Coverage
- No IVF Treatment
- No compassionate Travel
- HIV/AIDS not covered
Star Comprehensive Plan (Other Benefits)
- Individual and family floater
- Mid-term inclusion available
- Accidental Death
- Permanent Total Disablement
- Star Wellness Program
Star Comprehensive Plan (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
- Automatic Restroration of SI
- Instant Recharge UPTO 30% of SI
- New born baby cover from 16th day
Family Health Optima Policy (Pros)
- No Pre-Policy Check-up
- Lifelong Renewability
- High SI available
- COVID-19 cover
- OPD covered
Family Health Optima Policy (Cons)
- PED cover not available
- Obesity Treatment Unavailable
- Hazardous Activities
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Family Health Optima Policy (Other Benefits)
- Long term discounts
- Premium Payment flexibility
- Health Check-up Cover
- Domiciliary Hospitalization
- Modern Treatment Cover
Family Health Optima Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L to 25 L
- Waiting Period - 30 Days
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
- No-claim bonus
- Hospital daily cash
- Automatic restoration of SI
Star Young Star Policy (Pros)
- Mid-term inclusion
- 10% discount on early purchase
- Star Wellness Program
- Flexible-Premium Payment
- 2 Plan variants
Star Young Star Policy (Cons)
- PED waiting period
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Star Young Star Policy (Other Benefits)
- Hospital Cash Benefit
- Lifelong Renewal
- E-opinion
- No-claim bonus
- Automatic Restoration
Star Young Star Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 40 Years
- SI - 3 L to 1 Cr
- Waiting Period - 30 Days
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
- Modern care optimization
- Base plan enhancement
- AYUSH treatment extender
Young Star Extra Protect (Pros)
- 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 (Cons)
- 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 (Other Benefits)
- Individual & family floater plan
- Trusted insurance provider
- Unlimited benefits up to SI
- Cashless claim settlement
- AYUSH Treatment cover
Young Star Extra Protect (Eligibility Criteria)
- 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
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
- Room rent up to 5K/day
- Modern treatments covered
- 20% rural discount available
Arogya Sanjeevani Policy (Pros)
- Affordable Plan
- 50% No Claim Bonus
- Flexible Policy
- Day Care Procedures Covered
- Up to 25% of SI for Cataracts
Arogya Sanjeevani Policy (Cons)
- 5% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Arogya Sanjeevani Policy (Other Benefits)
- Lifelong Renewal
- Road Ambulance Cover
- Day Care Procedures Covered
- AYUSH treatment Cover
- Rural Discount
Arogya Sanjeevani Policy (Eligibility Criteria)
- Entry Age - 3 Months
- Max Entry Age - 65 Years
- SI - 1 L to 10 L
- Waiting Period - 30 Days
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
- All Daycare procedures
- Automatic Restoration
- Domiciliary hospitalization
Medi Classic Policy (Individual) (Pros)
- Plan Variants Available
- Customizable Plan
- Hospital-Cash Benefit
- 5% Family Discount
- Organ Donor Cover
Medi Classic Policy (Individual) (Cons)
- 10% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Medi Classic Policy (Individual) (Other Benefits)
- New Born Baby Cover
- 100% Super Restoration
- Up to 100% No-claim Bonus
- Psychiatric coverage
- Patient Care Cover
Medi Classic Policy (Individual) (Eligibility Criteria)
- Entry Age - 16 Days
- Max Entry Age - 65 Years
- SI - 1.5 L to 25 L
- Waiting Period - 30 Days
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
- All Daycare procedures
- Coverage for Modern Treatment
- Outpatient Expense
Star Health Gain Policy (Pros)
- Day Care Procedures Covered
- Road Ambulance Available
- Modern Treatments Available
- Outpatient Benefit
Star Health Gain Policy (Cons)
- 20% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Star Health Gain Policy (Other Benefits)
- Up to 60k Cataract cover
- Room Rent Cover
- ICU Cover
- Wide SI options
- Flexible Premiums
Star Health Gain Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 1 L to 5 L
- Waiting Period - 30 Days
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
- Affordable Premiums
- Long Term Discounts
- Automatic Restoration
Star Health Premier Policy (Pros)
- Cataract Treatment Cover
- 10% Health Check- Up Discount
- High SI
- Home Care Treatment
- Road Ambulance Cover
Star Health Premier Policy (Cons)
- 20% Co-pay applicable
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Star Health Premier Policy (Other Benefits)
- Hospice Care
- Pain Management
- AYUSH Treatment
- Modern Treatment
- 100% Cumulative Bonus
Star Health Premier Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - No Age Limit
- SI - 10 L to 1 Cr
- Waiting Period - 30 Days
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
- Coverage for Modern Treatments
- Coverage during Pregnancy
- Preventive Health Check Up
Star Women Care Plan(Pros)
- Designed for Women's Care
- Cancer cover optional
- Bariatric Surgery Cover
- Mid-term inclusions
- High SI
Star Women Care Plan (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
Star Women Care Plan (Other Benefits)
- 10% long-term discount
- 10% Air Ambulance Cover
- Pain Management Cover
- Assisted Reproduction
- Automatic Restoration
Star Women Care Plan (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 75 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
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
- Guaranteed Lifelong renewals
- No Pre-acceptance Medical test
- Availability of Instalment Facility
Senior Citizens Red Carpet Policy (Pros)
- Individual & family floater plan
- Flexible SI
- Road Ambulance Cover
- ICU cover
- Health Check-up cover
Senior Citizens Red Carpet Policy (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
Senior Citizens Red Carpet Policy (Other Benefits)
- Flexible-Premium Payment
- Cataract Treatment available
- Modern treatment cover
- No pre-policy checkup
- OP Consultation
Senior Citizens Red Carpet Policy (Eligibility Criteria)
- Entry Age - 60 Years
- Max Entry Age - 75 Years
- SI - 1 L to 25 L
- Waiting Period - 30 Days
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
- All Daycare procedure
- Pre and Post Hospitalization
- Organ Donor Expense
Star Super Surplus Policy (Pros)
- Flexible Policy
- Avail Long Term Discount
- Cover family up to 2A+3C
- Lifelong renewal
- 2 Plan variants
Star Super Surplus Policy (Cons)
- Includes Deductibles
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
Star Super Surplus Policy (Other Benefits)
- Avail e-opinions
- Star Wellness Services
- Recharge benefit
- Air Ambulance
- No pre-policy Medical check-up
Star Super Surplus Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L to 1 Cr
- Waiting Period - 30 Days
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
- Modern Treatment Covered
- Non-allopathic Treatment
- Coverage Medicine and drugs cost
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
- High SI available
- 100% No Claim Bonus
- Avail Non-Cardiac Cover
Star Cardiac Care Policy-Platinum (Pros)
- Avail Heart Transplantation
- Long Term Policy
- Up to 15 L SI
- Cardiac device cover
- Installment options available
Star Cardiac Care Policy-Platinum (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Congenital Disease Cover
Star Cardiac Care Policy-Platinum (Other Benefits)
- Wellness Services
- Angiogram Test
- Modern Treatments
- Pain Management
- Health Check-ups
Star Cardiac Care Policy-Platinum (Eligibility Criteria)
- Entry Age - 7 Years
- Max Entry Age - 70 Years
- SI - 5 L to 15 L
- Waiting Period - 30 Days
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
- Two Plan Variants
- Individual and Family Floater
- Affordable
Star Hospital Cash Policy (Pros)
- 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)
- 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)
- Sickness Hospital Cash
- Accident Hospital Cash
- ICU Hospital Cash
- Child Birth Hospital Cash
- Worldwide Hospital Cash
Star Hospital Cash Policy (Eligibility Criteria)
- Entry Age - 91 Days
- Max Entry Age - 65 Years
- SI - 1k - 5k
- Waiting Period - 30 Days
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
- Accidents and non-cardiac ailments
- Day care procedure
- No pre-acceptance Medical test
Star Cardiac Care Policy (Pros)
- Flexible Product
- Personal Accident Cover
- 2 Plan Variants
- Road Ambulance
- Day Care Procedures
Star Cardiac Care Policy (Cons)
- 10% Co-Payment
- PED
- Cosmetic Surgery
- Obesity Treatment
- Change of Gender Treatments
Star Cardiac Care Policy (Other Benefits)
- Personal Accident Cover
- Heart Transplantation
- OPD expenses Cover
- Modern Treatment Cover
- COVID-19 Cover
- Cataract Cover
Star Cardiac Care Policy (Eligibility Criteria)
- Entry Age - 10 Years
- Max Entry Age - 65 Years
- SI - 3 L to 4 L
- Waiting Period - 30 Days
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
- Pre-hospitalization (30 days)
- All daycare procedure
- Nursing Expense
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
- No Pre-medical test
- Nursing Expense
- Emergency Ambulance Charges
Star Special Care Policy (Pros)
- Modern Treatment Available
- Day Care Procedures Available
- Ambulance cover
- Room rent cover
- Shared Accommodation cover
Star Special Care Policy (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Pre-existing Diseases
Star Special Care Policy (Other Benefits)
- Treatment of Seizures
- Behavioral Therapy Cover
- Speech Therapy Cover
- Occupational Therapy Cover
- Adeno Tonsillectomy
Star Special Care Policy (Eligibility Criteria)
- Entry Age - 3 Years
- Max Entry Age - 25 Years
- SI - 3 L
- Waiting Period - 30 Days
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
- Day care procedures
- Modern treatments
- Cataract treatment
Micro Rural and Farmers Care (Pros)
- Designed for Farmers
- Flexible Policy
- Day Care Procedures
- Flexible Payment Options
- PED cover available
Micro Rural and Farmers Care (Cons)
- 20% co-pay
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
Micro Rural and Farmers Care (Other Benefits)
- No Pre-policy medical checkup
- Modern Treatments Covered
- Lifelong Renewal
- Up to 15k Cataract Cover
- ICU cover
Micro Rural and Farmers Care (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 1 L - 2 L
- Waiting Period - 30 Days
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
- Diagnostics and physiotherapy
- Pharmacy
- Ophthalmic cover
Star Out Patient Care (Pros)
- Cover up to 6 family members
- 3 Plan variants available
- Dental Cover available
- Physiotherapy cover
- Pharmacy cover
Star Out Patient Care (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Breach of law
Star Out Patient Care (Other Benefits)
- Dental Treatments Available
- AYUSH Treatments Available
- Ophthalmic Treatment
- Outpatient Consultation
- Renewal Discounts
Star Out Patient Care (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 50 Years
- SI - 25k - 1 L
- Waiting Period - 30 Days
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
- Educational grant
- Vehicle/Residence modification
- Imported medicines
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
- No pre-policy check-up
- Affordable Plan
- Flexible premium payment
Special Care Gold Insurance Policy (Pros)
- HIV/AIDS Cover
- Waiver of Co-Payment
- Cataract Treatment Cover
- Day Care Treatments
- Road Ambulance Cover
Special Care Gold Insurance Policy (Cons)
- 20% Co-pay applicable
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
Special Care Gold Insurance Policy (Other Benefits)
- Pre Hospitalization Cover
- Post Hospitalization Cover
- Disability Cover
- High SI
- Modern Treatment Cover
Special Care Gold Insurance Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 4 L to 5 L
- Waiting Period - 30 Days
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
- No pre-medical Test
- Only 16 days of Waiting Period
- Low premium amount
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
- AYUSH Treatments
- Home Care Treatment
- No pre-medical screening test
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
- No pre-medical screening test
- Sum insured: INR 50K to 2.5Lakhs
- Only 15 days Waiting Period
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
- Premium Payment Flexibility
- Wellness Program
- Short Waiting Period
Assure Insurance Policy (Pros)
- Second Medical Opinion
- Health Check-up Covered
- 100% Cumulative Bonus
- Compassionate Travel
- AYUSH Treatment
Assure Insurance Policy (Cons)
- 10% Co-pay applicable
- Deductibles
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
Assure Insurance Policy (Other Benefits)
- In Utero Fetal Surgery
- Pain Management
- Rehabilitation Cover
- Organ Donor Cover
- Modern Treatment Cover
Assure Insurance Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 75 Years
- SI - 5 L - 2 Cr
- Waiting Period - 30 Days
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
- Cataract Cover
- Affordable Premiums
- Flexible Payment Options
Diabetes Safe Policy (Pros)
- Road Ambulance Cover
- Pre and Post Hospitalization
- ICU Cover
- Room Rent Cover
- Day Care Treatment Cover
Diabetes Safe Policy (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
Diabetes Safe Policy (Other Benefits)
- Dialysis Cover
- Kidney Transplant Cover
- Artificial Limbs Cover
- Personal Accident Cover
- OPD Cover
Diabetes Safe Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 3 L to 10 L
- Waiting Period - 30 Days
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
- High SI
- Affordable Premiums
- Flexible Payment Options
Cancer Care Platinum Policy (Pros)
- Cataract Cover
- No pre-medical check-up
- Lump Sum Cover
- 50% Cumulative Bonus
- Hospice Care
Cancer Care Platinum Policy (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
Cancer Care Platinum Policy (Other Benefits)
- Second Medical Opinion
- Rehabilitation Cover
- Pain Management
- Day Care Treatment
- Modern Treatment Cover
Cancer Care Platinum Policy (Eligibility Criteria)
- Entry Age - 5 Months
- Max Entry Age - 65 Years
- SI - 5 L to 10 L
- Waiting Period - 30 Days
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
- High SI
- Affordable Premiums
- Tax Benefits
Critical Illness Multipay Policy (Pros)
- Flexible Payment
- Long Term Policy
- Bone Marrow Transplantation
- Heart Disease Cover
- 4 Group CI Covered
Critical Illness Multipay Policy (Cons)
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
- Injuries due to breach of law
Critical Illness Multipay Policy (Other Benefits)
- Open Chest CABG
- Heart Transplantation
- Coma of Specified Severity
- Wellness Programs
- Major Head Trauma
Critical Illness Multipay Policy (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L to 25 L
- Waiting Period - 30 Days
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
- Tax Benefits
- High SI
- Multiple Optional Covers
Smart Health Pro Plan (Pros)
- Modify Room Category
- Up to 600% Cumulative Bonus
- Reduced Waiting Period
- Non-Medical Items Covered
- Unlimited Automatic Restoration
Smart Health Pro Plan (Cons)
- Adventure Sports Injuries
- AIDS not covered
- Injuries due to Illegal activities
- No IVF Treatment
- Obesity Not Covered
Smart Health Pro Plan (Other Benefits)
- Multiple Discounts Available
- Family Health Cover
- Daycare Treatments
- Air Ambulance
- Domiciliary Hospitalization
Smart Health Pro Plan (Eligibility Criteria)
- Entry Age: 18 Years
- Maximum Entry Age: 50 Years
- SI - 5 L to 1 Crore
- Waiting Period - 30 Days
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