Star Women Care Policy
  • Maternity Benefits
  • Preventive Health Check Up
  • Coverage for Modern Treatments
Star Health Insurance
premium

Network hospitals

14000+

premium

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

Pan India Presence

850+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

Pan India Presence

850+

Star Women Care Health Insurance Policy

Gift yourself the Star Women Care Insurance Policy, because we all know your responsibilities are endless and you need the best health to face them with a big smile.

Star Health Women Care Policy is an all-in-all insurance product that you'll ever need for your anytime healthcare needs. The plan comes with a whopping sum insured ranging from INR 5 Lakhs to 1 Crore, options of which are individual and family floater variants (there should be at least one female member in the policy if you choose a family floater option). It provides coverage for a woman and her family (if the family floater plan is chosen), covering all the hospitalisation expenses, maternity-related conditions, and complications at the time of pregnancy or delivery. The good part is, that the female insured members of the policy don't need to go through a pre-acceptance medical screening. If you're buying this plan for your health care, don't worry! There's a window for buying this policy anytime, even during pregnancy.

The Star Health Women's Care Insurance plan comes with additional coverage such as:

  • Bariatric surgery
  • In-utero fetal surgeries/repair
  • Assisted reproduction treatment
  • Antenatal care
  • Accidental miscarriage treatment
  • Optional cancer care
  • Organ donor expenses
  • Modern treatment cover
  • Rehabilitation and pain management, etc

Apart from this, you can avail of extensive maternity benefits, a wellness program to track your health, preventive health check-up benefits, vaccination charges, delivery care, and other medical conditions related to women. You can choose an installment option to pay your premiums that's subject to loading charges like; for quarterly premium payment, 3% loading, and for half yearly, 2% loading. Mid-term inclusions are also allowed giving you the freedom to include additional members like a newlywed spouse, infant/newborn, or legally adopted child under your health policy.

All other specifications under this plan are mentioned on this page. Read further to know more about Star Women's Care health policy to make a well-informed decision.

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Star Women Care Plan Specifications

Read below to know more about the Star health Insurance "Star Women Care Plan", including its specifications and eligibility.

Plan Type

Individual & Family floater

Sum Insured

5 | 10 | 15 | 20 | 25 | 50 | 100 Lakhs

Entry Age

Adult 18 - 75 years
Child: 91 days - 25 years (30 years if the dependant is unmarried/unemployed)

Policy Term

1 | 2 | 3 Years

Allowed Relation

2A + 3C in family floater

Initial Waiting Period*

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.

Read more specifications in the brochure.

Benefits of Star Women's Care Insurance Policy

Below are some of the amazing benefits of buying the Star Health Women Care policy, that you must know:-

  • Coverage for in-utero surgery

    The female insured person gets special benefits with the in-utero surgical treatment, specifications of which are:
    • Open fetal surgery
    • Fetendo fetal surgery
    • Fetal image-guided surgery (FIGS-IT)
    • EXIT procedure
  • Bariatric Surgery

    Cashless facilitation for bariatric surgery is covered to the maximum limit of INR 2.5 to 5 Lakhs as per the expense coverage mentioned in your policy's documents.
  • Voluntary Sterilization Expenses

    Voluntary sterilization like Tubectomy and Vasectomy (for married women above 22 years) are covered under the plan which comes into effect only after serving a waiting period of 24 months. Reversal sterilization is not covered in any case.
  • Star Wellness Program

    This is the star of all the benefits that tend to encourage you to live well and follow a healthy lifestyle. You get rewarding benefits with this wellness program of the policy that ensures a discount on premiums.
  • No pre-policy check-ups

    The good part is, that the female insured members do not require any pre-acceptance medical check-ups.
  • Lump sum payout on diagnosis of Cancer

    With an additional charge over payable premiums, you can buy an optional cover for cancer under this plan. The insurer will pay a lump sum amount, only to the insured person mentioned in the policy.
  • Automatic Restoration of Sum Insured

    The policyholder has the option to restore their policy's sum insured up to 100%. You can avail of this benefit either on partial or full exhaustion of the base SI.
  • Tax benefit

    You can avail of a tax exemption benefit for this plan under Section 80D of the Income Tax Act, 1961.

Choose your Star Women Care Plan

Coverage for SI: 5 Lakhs

In-patient & Out-patient Coverage

Room Rent

1% of sum insured or maximum up to INR 20K per day

ICU Charges

Covered up to base SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

All Daycare treatments covered

OPD Charges

Covered, under the sub-limit

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Covered after a waiting period

No Claim Bonus

20% of SI for every claim-free year

Automatic Restoration

One time 100% Restoration of SI

Daily Hospital Cash

Not available

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

25% of SI

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Covered, under Assisted Reproduction Treatment

Modern Treatment

Covered as per Sub Limits

Emergency Coverage

Ambulance

Covered

Air Ambulance

10% of the Sum Insured per year is payable.

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Covered, up to SI

Second Medical Opinion

Covered

Vaccination

Vaccination expenses for the new born baby are payable

Limitations

Co-payment

No Co-payment applicable

Sub-limits

Applicable for Modern Technology Treatments

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Star Women Care Plan?

Under this plan, the policyholder is entitled up to 1% of sum insured or maximum up to Rs.20,000/-per day.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Star Women Care Plan?

Under this plan, ICU charges coverage is available up to the selected SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Women Care Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Women Care Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Star Women Care Plan?

Under this plan, the domiciliary hospitalization is not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Women Care Plan?

This plan covers expenses of all the day care procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Star Women Care Plan?

OPD charges are covered under this plan. However, there is a sub-limit mentioned in the below table:

Sum Insured (Rs.) Limit per policy year up to (Rs.) 5,00,000/- to 15,00,000/- 2,500/- 20,00,000/- and 25,00,000/- 3,500/- 50,00,000/- and 1,00,00,000/- 5,000
What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Star Women Care Plan?

COVID-19 treatment cover is not available under this plan.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Star Women Care Plan?

COVID-19 treatment cover is not available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Star Women Care Plan?

Cataract treatments are covered after the waiting period of 24 months

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Women Care Plan?

For every claim free year, the policyholder is entitled to avail the bonus of 20% of the expiring Sum Insured from the second year onwards. The maximum allowable bonus shall not exceed 100%.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under Star Women Care Plan?

The plan offers automatic restoration of 100% of your basic SI once during a policy year.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under Star Women Care Plan?

Daily Hospital Cash is not available under this plan.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Women Care Plan?

Organ donor cover is available under this plan up to the chosen sum insured.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Star Women Care Plan?

Covers the expense for normal and c-section procedures deliveries up to the below-mentioned limits:

SI 5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs 1Cr
Coverage (in Rs.) 25, 000 50,000 75,000 1,00,000
What is a New Born Baby Cover?

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 new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Star Women Care Plan?

In-patient hospitalization expenses (including congenital internal and external defects/anomalies) are covered up to 25% of the total insured.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Star Women Care Plan?

AYUSH treatment is covered under this plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Women Care Plan?

The plan covers IVF Treatments under Assisted Reproduction Treatment

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Star Women Care Plan?

Treatment 5 L 10 L 15 L 20 L 25 L 50 L 1 Cr
Limit per person, per policy period for each treatment / Procedure (Rs.)
Uterine Artery Embolization and HIFU Up to 50% of sum insured Up to 40% of sum insured Up to 30% of sum insured
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy
IVF
Robotic surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty,Vaporization of the prostate (Green laser/Holmium laser)
Intra Operative Neuro Monitoring
Stem Cell Therapy
What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Star Women Care Plan?

This plan covers Ambulance charges of up to the selected Sum Insured.

What is an Air Ambulance?

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 Women Care Plan?

The plan offers coverage up to 10% of the Sum Insured per year.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Star Women Care Plan?

Not Covered

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Women Care Plan?

Not Available

What is E-Consultation?

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 Women Care Plan?

Not Available

What is a Health Checkup?

The policy covers health check-up expenses as per the selected Sum Insured, up to the below mentioned limits:

Gender Benefit Description Limit per policy year up to (Rs.) Tests
Female Adolescent Puberty Age: 13-19 yrs 1,000/- USG Abdomen
Female Adult Reproductive Age: 20-39 yrs 3,000/- Thyroid profile, PAP, Vitamin D, USG Abdomen
Female Middle Aged Menopausal Age: 40-59 yrs 5,000/- Dexa Scan, Sonomamogram, PAP, USG Abdomen
Female Sr Citizens Age: 60 yrs and above 4,000/- Dexa Scan, PAP, USG Abdomen
Male Any Age 1,000/- Any tests
What is a Second Medical Opinion?

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 Women Care Plan?

Available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Star Women Care Plan?

Star Women Care covers the vaccination expenses of a newborn baby up to the below limits:

Sum Insured (Rs.) Limit (Rs.)
5,00,000/- and 10,00,000/- 2500
15,00,000/- and above 3500
What is Co-payment?

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.

Coverage status under Star Women Care Plan?

Not applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Coverage status under Star Women Care Plan?

Treatment 5 L 10 L 15 L 20 L 25 L 50 L 1 Cr
Limit per person, per policy period for each treatment / Procedure (Rs.)
Uterine Artery Embolization and HIFU Up to 50% of sum insured Up to 40% of sum insured Up to 30% of sum insured
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy
IVF
Robotic surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty,Vaporization of the prostate (Green laser/Holmium laser)
Intra Operative Neuro Monitoring
Stem Cell Therapy

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.

Exclusions of Star Women Care insurance policy?

The Women's Care plan of Star Health Insurance provides broad coverage. On the other hand, there are some exclusions that you should know in the first place. Read below what's not covered in the Star Health Women Care Policy:-

Pre-existing and specified diseases

Investigation & Evaluation

Rest cure, rehabilitation (expect rehabilitation & pain management) and respite care

Obesity/ Weight Control (expect bariatric surgery)

Change of gender treatments, unproven treatments

Beauty treatments and cosmetic/plastic surgeries

Adventure activities, hazardous or life-threatening sports

Breach of law

Excluded providers

Sterility and infertility (except assisted reproduction treatment and voluntary sterilization)

Drug or alcohol abuse

Hospitalization out of war, riot, strike, and nuclear weapons, and

Coverage after Waiting Period

Certain diseases and treatments are covered under the Star Women Care plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 24 Months

How do I claim my Star Women Care Insurance Policy?

Here are the steps following which you can raise a claim against your Star Women's Care health insurance policy:-

Step 1 For a planned hospitalization, inform the insurer 24 hours before getting hospitalized. For an emergency, inform them within 24 hours of getting admitted to the hospital.

Step 2 If you're hospitalized in a networking hospital, visit the TPA desk and inform them of the hospital admission. Collect the claim form and fill it up with all the details required.

Step 3 Submit all the forms with carefully filled claim forms and other documents that are asked, and the health card of your policy

Step 4 On verification of the documents, the TPA will forward the same to the insurer

Step 5 Upon cross-verification, the insurer will send the confirmation for internal settlement with the hospital medical bills.

Step 6 In case of a reimbursement claim settlement, pay the medical bills on your own. Submit the claim form, the health card, policy documents, hospital bills, discharge summary, and other documents to your insurer. Medical bills will be reimbursed upon verification

Star Women Care Premium

To give you a better idea about the Star Women Care Plan premium calculations, we PolicyX.com have calculated some sample premium amounts below based on a policy term of 1 year.

Refer to the table below:

For Individual

Age (Male) Sum Insured 1 Adult
30 Years 5 Lakhs 7,965
30 Years 15 Lakhs 12,740
30 Years 25 Lakhs 15,970
30 Years 50 Lakhs 18,645

For Family Floater

Age (Male) Sum Insured 2 Adult
30 Years 5 Lakhs 11,735
30 Years 15 Lakhs 18,460
30 Years 25 Lakhs 23,070
30 Years 50 Lakhs 27,660

Follow Up

Women are more prone to get lifelong diseases, illnesses related to hormonal shifts that lead to chronic ailments, and so on. It not only causes irritation and more pain in our lives but also stops a woman from pacing up in this world. This is one of the reasons why you should buy health insurance for yourself from a trusted health insurer in the Indian insurance market. Star Health Insurance Company cares for women's health, and it's enough to state that Star Women Care insurance policy is the best investment you can make to save yourself from losing your health and well-being in the long run.

Buy your Star Health Women Care policy by visiting our official website www.policyx.com. You can also reach out to our customer care support at 1800 4200 269 or get a quote by clicking on the screen. Check out other women's health insurance plans here.

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

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

Corona Kavach Policy

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

Corona Rakshak Policy

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

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

  • Additional SI
  • Enhanced Protection
  • Tax Benefits

Extra- Protect Policy (Pros)

  • Enhanced Room Rent
  • Non-Medical Items Covered
  • Affordable Premiums
  • Baby Food Cover
  • Ambulance Cover

Extra- Protect Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

  • Modern Treatment Cover
  • Oral Chemotherapy
  • Robotic surgeries
  • AYUSH Treatment
  • Home Care Treatment

Star Women Care Plan: FAQs

1. I want to opt for a Tubectomy. Will Star Women Plus offer coverage against the same?

Yes, after a waiting period of 24 months from the date of first inception of this policy, the Company would cover the expenses spent for Voluntary Sterilization (Tubectomy / Vasectomy), provided that the Insured is a Married Person and his/ her age is 22 years and above.

2. Does Star Women Plus offer any benefits for staying fit and healthy?

Yes, the plan offers Star Wellness Program, wherein one can get incentives for opting a healthy lifestyle through various wellness activities. The below table showcases the discount on premium available under the Wellness Program:

Wellness Points Earned Discount in Premium
200 to 350 2%
351 to 600 5%
601 to 750 7%
751 to 1000 10%

3. Can I pay my Star Women Care premiums in installments?

Yes, you can pay your premiums Quarterly and Half Yearly, Annually, Biennially (once in 2 years) and Triennially (once in 3 years).

4. Does Star Women Care offer coverage against Cancer?

Yes, the Star Women Care Insurance plan provides a lump sum payout benefit for cancer-related diagnoses, treatments, etc.

5. How many members can be covered under the Star Women Care health policy?

You can cover up to 5 members (2 adults & 3 dependent children) under this policy.

6. Who can benefit from cancer coverage under the Star Health Women Care policy?

The female members included in the policy aged from 91 days to 65 years can be covered for cancer coverage.

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Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

Customer Review Image

Neelam Sharma

Bengaluru

May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

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Adi Kukreja

Jalandhar

May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

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Abhi Raj

Kanpur

May 10, 2024

As a woman, I want independence from future medical bills. And it comes from health insurance. So, I got Star Women Care Insurance Policy, and PolicyX helped me with the buying process.

Customer Review Image

Shakti Pokhriyal

Ahmedabad

May 10, 2024

I recently got married and is planning to buy a health insurance, so I asked PolicyX for the best plan, and they suggested me Star Comprehensive plan. Truly the best plan which covers me, my wi...

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Rahul Pant

Coimbatore

May 10, 2024

My parents were getting old, so I thought to gift them a health insurance policy this year. PolicyX suggested Red Carpet Health Insurance Policy, and this is the best choice for my parents.

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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

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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

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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

View All Star Health Insurance Reviews

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.