Star Health Insurance Plans

Policy Type

This policy can be chosen either as an Individual or Floater plan.

Policy Term

It's available for a one-year term.

Entry Age

Individuals aged 18 to 50 can get this policy, and dependent children can be covered from the 31st day of birth up to 25 years.

Outpatient Consultation

Covers expenses for outpatient consultation at any Network Facility in India.

AYUSH Cover

Includes outpatient medical consultation and treatment costs under systems like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.

Diagnostics, Physiotherapy, and Pharmacy

The policy covers expenses for diagnostics, physiotherapy, and pharmacy services at Network Facilities.

Dental Treatment

Dental treatment expenses for natural teeth due to accidents are covered at any Network Facility.

Ophthalmic Cover

Covers expenses for ophthalmic treatment due to accidental injuries at any Network Facility in India

Lifelong Renewal

This policy offers lifelong renewal.

Renewal Discount

Eligible for a 25% premium discount at renewal after every two continuous claim-free years.

Policy Type

The Star Women Care Insurance Policy is available on both an Individual and Floater basis, providing flexibility in coverage options.

Policy Term

Choose a policy term that suits your needs, with options for one, two, or three years.

Pre-Medical Examination

There is no requirement for a pre-acceptance medical screening to avail of this policy. However, pregnant women must submit their scan reports taken at Star Health specified scan centers between the 12th and 20th week of their pregnancy. The cost of these scans is the responsibility of the insured.

Entry Age

The policy offers coverage for female individuals aged between 18 and 75 years as Individual Sum Insured. To avail of the Floater Sum Insured, at least one female adult in the family must be aged between 18 and 75 years. This policy covers a maximum of up to three dependent children aged from 91 days to 25 years. The insured's daughter can continue to be covered for up to 30 years if she is unmarried and/or unemployed.

Sum Insured

Choose from a range of Sum Insured options, including Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/-, Rs.25,00,000/-, Rs.50,00,000/-, and Rs.1,00,00,000/-.

In-Patient hospitalisation

This policy covers hospitalisation expenses for illnesses, injuries, or accidents that require more than 24 hours of hospitalisation.

Pre-hospitalisation

In addition to in-patient hospitalisation, medical expenses incurred up to 60 days before hospital admission are covered.

Post-hospitalisation

Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered.

Room Rent

Room, boarding, and nursing expenses during in-patient hospitalisation are covered, with the amount depending on the Sum Insured.

Ambulance Services

This policy covers both road and air ambulance expenses for hospital admission and medical transfers.

Modern Treatment

Expenses for modern treatments like Oral Chemotherapy, Intra Vitreal injections, and Robotic Surgeries are covered up to specified limits.

AYUSH Treatment

In-patient hospitalisation expenses for Ayurveda, Unani, Sidha, and Homeopathy treatments in AYUSH hospitals are covered.

Day Care Procedures

Medical treatments and surgical procedures requiring less than 24 hours of hospitalisation due to technological advancements are covered.

Miscarriage due to Accident

Lump sum coverage is provided for miscarriages due to accidents, subject to a waiting period.

Preventive Health Check-Up

Health check-up expenses for specified tests are covered each policy year, up to specified limits.

Automatic Restoration of Sum Insured

On partial or full utilisation of the Sum Insured during the policy period, 100% of the Sum Insured is restored once in the same policy year for all claims and subsequent hospitalisations.

Cumulative Bonus

A cumulative bonus is provided at 20% of the Sum Insured for each claim-free year, up to a maximum of 100% of the Sum Insured.

Long-Term Discount

A discount of 10% on the 2nd-year premium and 11.25% on the 2nd and 3rd-year premium is available.

Instalment Options

Premiums can be paid on a quarterly, half-yearly, annual, biennial (once in 2 years), or triennial (once in 3 years) basis.

Policy Type

Available for individuals or families, with up to three dependent children.

Entry Age

Individuals aged 91 days to 75 years can apply, while family coverage is for those aged 18 to 75, with children aged 16 days to 17 years.

In-Patient hospitalisation

Covers hospital expenses for stays over 24 hours due to illness or injury.

Pre-hospitalisation

Includes medical costs 60 days before hospital admission.

Post-hospitalisation

Covers expenses up to 180 days after hospital discharge.

Day Care Procedures

Covers short hospital stays for advanced medical treatments.

Modern Treatment

Includes expenses for innovative treatments.

Organ Donor Expenses

Covers expenses for organ transplantation and donor complications.

AYUSH Treatment

Includes Ayurveda, Unani, Siddha, and Homeopathy treatments.

Compassionate Travel

Pays for family member travel during life-threatening emergencies.

Cumulative Bonus

Provides a bonus for claim-free years.

Co-Payment

Applies to insured persons aged 61 or older.

Health Check-Up Assure

Covers health check-up expenses.

Second Medical Opinion

Provides a second medical opinion. Instalment Options: Allows various premium payment frequencies except for long-term policies.

Policy Term

Available for one year.

Pre-Medical Examination

Mandatory for those aged 50 and above at the company's nominated centers.

Sum Insured

Options from Rs. 50,000/- to Rs. 10,00,000/- (in multiples of Rs. 50,000/-).

In-Patient Hospitalisation

Covers expenses for hospitalisation exceeding 24 hours due to illness, injury, or accidents.

Pre-Hospitalisation

Also covers medical expenses up to 30 days before hospital admission.

Post-Hospitalisation

Includes medical expenses up to 60 days after discharge.

Room Rent

Covers room, boarding, and nursing expenses, up to 2% of the Sum Insured, max Rs. 5,000/- per day.

ICU Charges

ICU charges covered up to 5% of the Sum Insured, max Rs. 10,000/- per day.

Day Care Procedures

Covers treatments requiring less than 24 hours of hospitalisation due to technological advancements.

AYUSH Treatment

Expenses for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments covered.

Lifelong Renewal

Provides an option for lifelong renewal.

Cumulative Bonus

Provides a 5% bonus of the Sum Insured for each claim-free year, up to a maximum of 50% of the Sum Insured.

Co-payment

Each claim is subject to a 5% co-payment on the claim amount.

Instalment Options

Premium payment options include quarterly, half-yearly, and annual.

Age Entry

Individuals with Diabetes Mellitus aged 18 to 65.

Coverage Options

Available for individuals and as a floater plan for the policyholder and their spouse.

Plan Flexibility

No plan switching during the policy term.

Medical Screening

Plan A requires medical screening and offers immediate coverage, while Plan B doesn't need screening but covers from the 15th month. The company covers 100% of screening costs if the policy is accepted, but 50% if it's rejected.

Sum Insured

Options of Rs. 3 lakh, 4 lakh, 5 lakh, and 10 lakh.

Advantages

• Coverage for pre-hospitalisation and post-hospitalisation expenses
• Post-renal transplant complications
• Second transplant
• Automatic restoration of sum insured (Floater)
• Artificial limb costs
• Numerous day care procedures
• Hassle-free claim settlement
• Extensive hospital network
• 24/7 medical consultation
• Electronic personal health records
• 15-day free look period for policy review.

Tax Benefits

Eligible for a rebate under Section 80-D of the Income Tax Act 1961 when paid through non-cash modes.

Exclusions

• Excludes costs of immune-suppressive drugs
• Type II Diabetes Mellitus
• Diabetic Retinopathy, Diabetic Nephropathy leading to Chronic Renal failure, and Diabetic foot ulcer

Entry Age

Minimum age is 18 years, maximum age is 65 years. Children can be covered from 91 days to 25 years along with parents.

Maximum Policy Renewal Age

Lifelong renewal

Policy Term

1 year

Type of Plan

Individual and Floater.

Sum Insured

Minimum - Rs. 7 lakh for individuals and Rs. 10 lakh for the family floater plan (over and above the deductible). Maximum - Rs. 10 lakh for individual and family floater health insurance plans (over and above the deductible).

Cover

In-patient hospitalisation, cashless facility, room rent, doctor fees, reimbursement, and drug and medicine expenses.

Key Features

It's a top-up policy for added protection against high claims. Can be purchased online. Offers cashless hospitalisation, direct in-house claim settlement, and hassle-free claim settlement.

Benefits

• Pre-existing diseases covered after 36 months of continuous insurance
• No pre-policy medical check-up required
• Deductible applies for each hospitalisation
• Eligible for tax benefits under section 80D of the Income Tax Act.

Exclusions

• No claim period for the first 30 days
• Deductible of Rs. 3 lahks for Individual cover and Rs. 3 lakh/5 lakh for Family Floater
• Excludes cosmetic procedures
• Naturopathy
• Non-allopathic treatment
• No immediate cover for pre-existing diseases

Free Look Period

15 days from the date of policy receipt for reviewing and seeking cancellation with a refund of premium, after adjusting expenses incurred at the time of availing the policy.

In-Patient hospitalisation

Covers expenses for hospital stays exceeding 24 hours due to illness, injury, or accidents.

Pre-hospitalisation

Includes medical costs incurred up to 60 days before hospital admission.

Post-hospitalisation

Covers medical expenses up to 90 days after hospital discharge.

Room Rent

Covers single private A/C room, boarding, and nursing expenses during hospitalisation.

Day Care Procedures

Covers short hospital stays for advanced medical treatments.

Modern Treatment

Includes expenses for innovative treatments up to policy limits.

Additional Sum Insured for Road Traffic Accidents (RTA)

Increases coverage by 25% up to Rs. 10,00,000 for RTA hospitalisation.

Automatic Restoration of Basic Sum Insured

Restores 100% of the sum insured once during the policy period.

Cumulative Bonus

Offers a bonus of 20% of the sum insured for each claim-free year, up to a maximum of 100%.

Online Discount

Provides a 5% premium discount for online policy purchases.

Special Discount

Grants a 10% premium discount for policy purchase before 36 years and renewal after 40 years.

E-Medical Opinion

Offers an expert medical opinion on request.

Health Check-Up

Covers health check-up expenses at Network Hospitals.

Lifelong Renewal

Provides an option for lifelong policy renewal.

Policy Type

This policy is available only as a family floater plan.

Entry Age

Anyone between 18 and 65 years old can get this policy. Dependent children can be covered from the 16th day of birth up to 25 years.

Family Size

It covers a wide range of family members, including yourself, your spouse, up to three dependent children, parents, and parents-in-law

In-Patient hospitalisation

It covers expenses when you need to stay in the hospital for more than 24 hours due to illness, injury, or accidents.

Pre-hospitalisation

It also includes medical expenses up to 60 days before you get admitted to the hospital.

Post-hospitalisation

After you leave the hospital, it covers medical expenses for up to 90 days.

Restoration of Sum Insured

If you run out of coverage, it can be restored up to three times in the same year.

Cumulative Bonus

You can get a bonus on your coverage amount if you have a Sum Insured of Rs. 3,00,000/- or more. It starts at 25% in the second year and can go up to 100%.

Additional Sum Insured for Road Traffic Accident

If you have a road accident and need hospitalisation, your coverage can increase by 25%, up to Rs. 5,00,000/-.

Assisted Reproduction Treatment

Covers medical expenses for sub-fertility treatments with a waiting period.

Hospitalisation Expenses for Treatment of New Born Baby

Coverage begins on the 16th day after birth, up to a limit of 10% of the Sum Insured.

AYUSH Treatment

Covers expenses for treatments in Ayurveda, Unani, Siddha, and Homeopathy systems of medicine in AYUSH hospitals.

Compassionate Travel

Pays for a family member to travel in emergencies when you're hospitalized far from home.

Modern Treatment

Covers modern treatment expenses.

Recharge Benefit

Available up to specified limits.

Organ Donor Expenses

Covers expenses for organ transplantation, up to a limit of 10% of the Sum Insured.

Repatriation of Mortal Remains

Covers expenses for bringing back the remains of the insured person.

Cataract Treatment

Covers expenses for cataract treatment up to specified limits.

Treatment in Valuable Service Providers

Pays a lump-sum amount if you get treatment in a hospital suggested by the company.

Health Check-Up

Covers health check-up expenses at Network Hospitals for each claim-free year.

Co-Payment

For insured persons aged 61 and above, there's a 20% co-payment.

Instalment Options

You can pay the premium quarterly, half-yearly, annually, or biennially (once in 2 years).

Entry Age

Min: 5 monthsMax: 65 years

Policy Term

One year

Pre-Existing Disease

Covered after 48 months of continuous coverage

Sum Insured

Up to Rs 2,00,000/-Rs 3,00,000/- – Rs 5,00,000/-

Above Rs 5,00,000/-

Pre-Acceptance Medical Screening

Policyholders aged 50 and above must undergo a pre-acceptance medical screening at centers designated by the company. The company will cover the cost.

hospitalisation

Expenses are covered for 30 days prior to the date of admission

Post-hospitalisation

Expenses incurred up to 60 days after the discharge from the hospital

Share Claim Payments

10% of each and every claim amount for insured persons beyond 60 years

Restoration of Cover

Automatic restoration of 200% sum insured under this policy

Day-Care Treatment

Specified day care treatments are covered under this policy

Non-Allopathic Treatment Coverage

Covered up to 25% of sum insured which is subject to a max of Rs 25,000/- per policy period.

Emergency Ambulance

Emergency Ambulance charges are covered up to the sum insured of Rs 750/- per hospitalisation and the overall limit of Rs 1500/- per policy period.

Health Check-up

Up to 1% of the average sum insured after every 4 claim-free years subject to maximum Rs 5,000/-

Policy Term Options

You can choose a policy term of one, two, or three years.

Sum Insured Choices

You have a range of Sum Insured options to select from, including Rs. 1,00,000/-, Rs. 2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/-, Rs. 5,00,000/-, Rs. 7,50,000/-, Rs. 10,00,000/-, Rs. 15,00,000/-, Rs. 20,00,000/-, and Rs. 25,00,000/-. The Sum Insured options from Rs. 10,00,000/- to Rs. 25,00,000/- are available on a family-floater basis.

In-Patient hospitalisation

This policy covers hospitalisation expenses when you need to stay in the hospital for more than 24 hours due to illness, injury, or accident.

Pre-hospitalisation

In addition to in-patient hospitalisation, it also covers medical expenses up to 30 days before your hospital admission.

Post-hospitalisation

Post-hospitalisation medical expenses are covered up to 7% of the hospitalisation expenses within the policy limits.

Room Rent

Room, boarding, and nursing expenses during in-patient hospitalisation are covered, up to Rs. 10,000/- for the maximum Sum Insured chosen.

ICU Charges

Up to 2% of the Sum Insured is payable as ICU charges for Sum Insured up to Rs. 10 lakhs, and for Sum Insured of Rs. 15 lakhs to Rs. 25 lakhs, ICU charges are covered up to the actuals.

Road Ambulance

It includes ambulance charges for private ambulance service to transport the insured person to the hospital.

Day Care Procedures

Covers medical treatments and surgeries that require less than 24 hours of hospitalisation due to advanced technology.

Cataract Treatment

Cataract treatment expenses are covered after a waiting period of 24 months, up to the policy limits.

Co-payment

A co-payment of 30% is applicable for all claims.

Health Check-Up

For every claim-free year, you're entitled to an annual health check-up at network hospitals, covered up to specified limits.

Premium Payment Options

You can pay the policy premium quarterly, half-yearly, annually, once every two years, or once every three years.

Policy Type

This policy can be availed either on an Individual or Floater basis.

Entry Age

Any person aged between 18 and 65 years can avail of this policy. Dependent children are covered from the 91st day onwards up to 25 years.

In-Patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury, or accidents are covered.

Pre-Hospitalisation

Pre-hospitalisation medical expenses incurred up to 60 days before the date of admission to the hospital are covered.

Post-Hospitalisation

Post-hospitalisation medical expenses up to 90 days from the date of discharge from the hospital are covered.

Room Rent

There is no capping on room rent (Private Single A/C room), Boarding, and Nursing expenses under this policy.

Road Ambulance

The policy covers ambulance charges for admission to the hospital, shifting from one hospital to another hospital for better facilities, and from hospital to the residence.

Air Ambulance

Air ambulance expenses are also covered up to Rs. 2,50,000/- per hospitalisation, to the maximum of Rs. 5,00,000/- per policy period.

Mid-Term Inclusion

The newly married spouse and newborn baby can be included in the policy by paying an additional premium.

Day Care Procedures

Surgical procedures and Medical treatments that require less than 24 hours of hospitalisation due to technological advancements are covered.

Modern Treatment

Modern treatment expenses are payable to the extent of the limits mentioned in the policy clause.

Hospital Cash

A cash benefit for each completed day in the hospital is provided up to the limits mentioned in the policy clause for a maximum of 7 days per hospitalisation and 120 days per policy period.

Delivery Expenses

Delivery expenses including the Caesarean section are covered up to the specified limits subject to the maximum of two deliveries.

New Born Cover

The hospitalisation expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.

Vaccination Expenses

Vaccination expenses for the new born baby are covered up to the specified limits based on the opted Sum Insured.

Automatic Restoration of Sum Insured

Upon exhaustion of the basic Sum Insured during the policy period, 100% of the Sum Insured will be restored once in the policy period.

Co-payment

This policy is subjected to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.

AYUSH Treatment

Expenses incurred for the treatment under Ayurveda, Unani, Sidha, and Homeopathy systems of medicines in AYUSH Hospitals are covered up to the specified limits.

Organ Donor Expenses

In-Patient hospitalisation expenses incurred for organ transplantation from the donor to the recipient insured person are payable provided the claim for transplantation is payable.

Health Check-Up

Health check-up expenses incurred at Network Hospitals are covered up to the specified limits for every claim-free year.

Instalment Options

The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial, and triennial basis.