Star Assure Health Insurance

The Star Assure Health insurance plan is a comprehensive plan that offers a bunch of benefits to the policyholders. With this plan, you can get financial protection in case you are diagnosed with any kind of illness listed on the policy document. Star Health Insurance has tie-ups with over 14,000 network hospitals and has a claim settlement ratio of 89.90%, which makes it a preferred choice amongst policyholders. Moreover, with the Star Assure health plan, you can meet the health insurance needs of both yourself and your family members.

Star Assure Health Insurance At a Glance

Riders Available With Star Assure Health Insurance

Here are some riders you get with this policy:

• Midterm Inclusion: If you recently got married or had a baby, you can include your spouse or newborn in your Star Comprehensive Insurance by paying an extra amount.
• Health Checkup Coverage: The policy covers the costs of health checkups up to the maximum amount mentioned in your policy, regardless of whether you make a claim or not.
• Star Wellness Program: If you lead a healthy lifestyle, the plan rewards you with wellness activities. You can even use the health points you earn to get a discount on your next premium. This program is managed online through the Star Power app and Customer Portal.
• Optional Deductible Cover: You can choose a deductible, and the insurance company will give you a discount on your premium.

Key Features of Star Assure Health Insurance Plan

There are specific features of the Star Assure Health Insurance plan that you should know about, some of which are listed below:

• This is available in both individual and family variants. Under a family coverage plan, you can get coverage for up to 9 members.
• The policy term of this plan can be 1, 2, or 3 years.
• With this plan, policyholders are given flexibility to choose coverage as per their choice, as well as the policy term, premium payment frequency, etc.
• There is no pre-medical check-up required to buy this policy.
• The plan has a specific waiting period for pre-existing diseases. The list of pre-existing conditions can be found in the policy documents.

Eligibility Criteria of Star Assure Health Insurance Plan

The eligibility criteria for the Star Assure Health Insurance plan are as follows:

Benefits of Star Assure Health Insurance Plan

There are multiple reasons why you should choose to buy the Star Assure health insurance plan over the others. Scroll through the section to learn more:

• Sum Insured: With the Star Assure Health Insurance plan, you have the flexibility to choose the sum insured between Rs. 5,00,000 - Rs. 2,00,000,00. However, it is important to note that individuals who are up to 65 years of age and are renewing their plan can get a sum insured up to Rs. 5 crore. Policyholders above the age of 65 years can get a sum insured up to Rs. 50 lakhs.
• Premium Payment Frequency: The premium of the Star Assure health insurance plan can be paid on a quarterly, half-yearly, and yearly basis.
• Pre and Post-hospitalization Expenses: The Star Assure health plan provides coverage for both pre and post-hospitalisation expenses. While pre-hospitalisation expenses are available 60 days prior to hospitalisation and post-hospitalisation provides coverage for up to 180 days after hospitalisation.
• Additional Coverage: This plan also provides coverage for consumables, air ambulance, organ donor expenses, AYUSH treatment, and more. Moreover, you can also include different add-ons to the plan to further enhance the plan benefits.
• Restoration of Sum Insured: The plan also offers restoration benefits, this means that if the sum insured gets exhausted then it automatically gets restored to avail further coverage.
• Wellness Benefits: Star Health insurance also provides additional benefits if the policyholder is leading a healthy lifestyle. Based on the wellness points earned, the policyholder gets additional discounts on their health insurance premium.
• Delivery Expenses Cover: If you have insurance for at least 24 months, the insurance company cover up to 10% of your sum insured for delivery expenses, including C-section, but only after this waiting period. No waiting period for subsequent deliveries is applicable.
• New Born Baby Cover: Star Health Insurance cover hospitalisation expenses for your newborn baby, from day 1 to the policy's expiry, for any illness or accidental injuries. This benefit is available if the delivery expenses claim is paid or if the mother is covered for a continuous 12 months without any break.
• Assisted Reproduction Treatment: After waiting for 24 months from policy inception, the insurer reimburse medical expenses for assisted reproduction treatment due to sub-fertility. One treatment cycle is covered per policy year, and in-patient treatment is not mandatory for claiming this benefit.
• In Utero Fetal Surgery / Intervention: After a waiting period of 24 months, Star Health Insurance cover expenses for utero fetal surgeries and procedures. No waiting period applies for congenital internal diseases or defects for the unborn.

Inclusions of Star Assure Health Insurance Plan

Listed below are the inclusions of the Star Assure health insurance policy:

• Ayush treatment
• Pre and post-hospitalisation expenses
• Organ donor expenses
• Deliver expenses
• Newborn baby cover
• Assisted reproduction
• In Utero fetal surgery
• Domiciliary hospitalisation
• Air ambulance cover
• Home care treatment
• Coverage for modern treatment

Exclusions of Star Assure Health Insurance Plan

Some of the common exclusions of the Star Health Insurance plan are as follows:

• Coverage for pre-existing diseases up to a specific period
• Delivery expenses
• Obesity-related treatment
• Any injury due to involvement in hazardous activity
• Plastic surgery

Documents Required to Buy Star Assure Health Insurance Plan

Here are the documents required to buy the Star Assure health insurance plan:

• A duly filled health insurance form
• Income proof
• PAN card
• Address proof
• Aadhaar card
• Recent medical reports
• Nominee details

How to Buy Star Assure Health Insurance Plan?

Listed below are the steps in which you can easily buy a Star health insurance plan:

• Go to the official website of InsuranceDekho
• Visit the “health insurance companies” option, and then click on the “Star Health” option.
• Select the Star Assure health plan from the list of health plans available.
• Read all the terms and conditions mentioned in the Star Assure policy wording carefully.
• Upload all the necessary documents to complete the KYC process.
• Make an online premium payment once the KYC process is completed.
• You will get the policy document at your registered e-mail address.

Claim Process of Star Assure Insurance Plan

With Star Health Insurance, you can raise two types of claims, reimbursement, and cashless claims. In cashless claims, the policyholder need not spend any money from their own pocket as the total expenses will be directly settled by the health insurance company. However, in reimbursement claims the policyholder needs to first spend money from their own pocket which will be later reimbursed by the insurance company.

Cashless Claim Process

• Select a nearby cashless hospital that has tie-ups with Star Health insurance
• Then, submit your Star Assure plan details at the hospital along with other required details
• Once you submit all the documents, they will be verified and a pre-authorisation form will be sent to the insurance company
• Next, the insurance company will approve the claim request, followed by which the claim will be directly settled

Reimbursement Claim Process

• Visit any hospital of your choice to get medical treatment
• You need to pay for the hospital expenses
• Then, raise a claim on the claim section of your insurance company
• Submit the claim form along with a receipt of the total medical expenses
• Once the insurance company completes the verification process, your money will be reimbursed