Incepted in the year 2006, the Star Health and Allied Insurance Company have an umbrella incorporating the Overseas Mediclaim Policy, Personal Accident and Health Insurance. The focused line of approach enables the company to have a better vision of the tasks and targeted customers who are aimed to be treated with best of the insurance aids.
Without expanding too much of the product range category the company aims to put quality to the existing products only. Star Health and Allied Insurance Company is based out of India and is functioning towards offering better products at a much affordable price.
Situated in Chennai, the nerve centre of the Company oversees the functionality of the entire network. The company has a total working capital of Rs. 985 crores. The company boasts of being the first and the only health insurance company in India that offers services pertaining to personal accidents, medi-claim, and overseas travel insurance.
The many policies of Star Health Care Company offer the best cover to the individual as well as the family members. The terms of policies are moulded as per the requirements. With a commitment of never compromising on your healthcare need the company presents a host of policies to choose from.
While the cost of healthcare is on the rise, the Star Health Comprehensive Plan comes as a saviour for those in medical need. The policy assuages your financial burden considerably by the exclusive benefits it has to offer. The company does not levy unnecessary caps on the charges incurred in the treatment. The policy becomes effective if the policyholder falls for an injury, illness or happens to be a victim of some mishappening. The policy takes care of the costs incurred in hospitalization, pre and post hospitalization or any other health procedure that do not require hospitalization.
A health insurance is a must thing in this uncertain world. To have a hassle free time getting the best health care during the time of adversities, monetary aspect is the last thing you need to give a thought and with Star Health Comprehension Plan you get the same as an assurance.
Highlights of Star Health Comprehensive Plan:
What does the plan cover?
Section 1:
Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs.
Section 2:
Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply.Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically) Vaccination expenses for the New Born upto Rs.1000/- payable.
Section 3: Outpatient Dental, Ophthalmic treatment
Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.
Section 4: Hospital Cash
Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not.
Section 5: Health Check up
Cost of Health Check-up once after a block of every three claim-free years
Section 6: Bariatric Surgery
Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs.2,50,000/- during the policy period. This maximum limit of Rs.2,50,000/- is inclusive of pre-hospitalization and post hospitalization expenses. Claim under this section shall be processed only on cashless basis. Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force
Section 7: Accidental Death and Permanent Total Disablement Cover against Accidental Death
The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident. The sum insured for this section is equal to the sum insured opted for the Health insurance.
Section 8: Option for Second Medical Opinion
The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners. Medical records can be sent to the mail id e_medicalopinion@starhealth.in
Automatic Restoration of Sum Insured (Applicable for Section 1 Only)?
Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made.
Bonus:
Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.
What is not covered under the plan-
Claim Procedure:
Planned: When the concerned persons are aware of the hospitalization.
Cashless:
Reimbursement:
Documents Required:
You may claim the policy as many times as the need occurs. However, the sum insured will depend upon the maximum limit under the policy availed.
This is a plan that covers the hospitalization expenses of the entire family. The Family Floater Plan covers the medical expenses occurred due to unexpected illness, accidents, and surgeries.
There will be no medical check-up for availing this health insurance plan.
Yes, the same may be rejected on the following basis: