Star Health Insurance

Star Health and Allied Insurance Co Ltd started operations in the year 2006 in an effort to provide health insurance solutions at affordable rates, to all individuals. Star Health Insurance also became the first insurance company to launch a specialty policy called Star Cardiac Care for people suffering from cardiac ailments.

Benefits of individual health insurance plans offered by Star Health and Allied Insurance:

Individuals aged 18 to 65 years are eligible for the plan.
There is no sub-limit on room rent and treatment costs.
Insurance cover includes hospital cash benefits and free health check-up facility after the completion of a certain number of consecutive, claim-free years.
Insurance policies from Star Health cover several day-care procedures.

Benefits of family health insurance plans offered by Star Health and Allied Insurance:

Affordable health insurance cover is available on a floater basis.
For a claim-free renewal, you can get up to 100% increase in sum insured.
No sub-limit on room rent and treatment costs.
Your policy will cover dental and ophthalmic treatments on Out-Patient Department (OPD) basis.
Insurance benefits include air ambulance facility and second medical opinion.

Benefits of senior citizen health insurance plans offered by Star Health and Allied Insurance:

Senior citizens aged 60 to 75 years can apply for the plan.
No-pre insurance medical test is required.
Insurance covers pre-existing diseases from 2nd year onwards.
Policy comes with a guaranteed lifetime renewability option.
Medical consultations can be availed as an outpatient in a network hospital.

Benefits of accident care individual health insurance plans offered by Star Health and Allied Insurance:

Insurance cover for accidental death, permanent disability, and temporary disablement.
Get enhanced weekly compensation up to Rs.15,000 per week for up to 100 weeks.
Get educational grant for dependent children.
Get 5% cumulative bonus per annum up to a maximum of 50%.
Get up to 150% of the sum insured as compensation for permanent total disablement.

Protecting Health, Protecting Wealth:

The following features/terms are common to all plans on offer:

In-patient hospitalization/treatment which includes hospital expenses*, provided one has been hospitalised for a minimum of 24 hours.
Pre-hospitalization Expenses: Generally up to 30 days.
Post-hospitalization Expenses: Generally up to 60 days; usually met through a lump sum payment @7% of the expenses or Rs.5,000, whichever is less.
Pre-existing diseases are included subject to prior coverage by a domestic insurer; usually for the four years preceding policy inception (2 or 3 years where specified).
Floater Basis: Family includes the primary policyholder, husband/wife and children who are dependent on the parent (generally subject to an age cap of 25 years); Sum assured is equally apportioned among insured members.
Individual Basis: The sum insured under the policy is made available on a per person basis.
Reinstatement of sum assured: Normally allowed after a specified number of claim-free years

*(Room, Nursing, Boarding, Surgery, Anaesthetist, Medical Practitioner, Consultation, Specialists, Oxygen, OT charges, X-ray, Dialysis, Chemotherapy, Diagnostic Materials, Blood, Medicine, Drugs etc. depending on the plan chosen. This is not a restrictive list)

Types of Health Insurance Policies Provided by Star Health Insurance:

Policies forming a part of the company’s health insurance plans portfolio are listed below:

Star Comprehensive Insurance Policy
Star Medi Classic Insurance Policy
Star Family Health Optima Insurance Plan
Star Senior Citizens Red Carpet Health Insurance Policy
Star Super Surplus
Star Super Surplus Gold Plan
Star Health Gain
Star Criticare Plus
Star Cardiac Care
Star Unique Health Insurance Policy
Star Wedding Gift Insurance
Star Diabetes Safe Insurance Policy
Star Family Delite Insurance Policy
Star Health Insurance Netplus
Star Micro Health Insurance Policy
Star Care Insurance Policy
Star Health Accident Care Insurance Policy
Star Health Student Care Plan
Star Cancer Care Gold

Star Comprehensive Insurance Policy:

A Star comprehensive insurance policy is an insurance plan that provides an exhaustive coverage to inpatient as well as certain outpatient treatments. It also considers the healthcare needs of new/expectant mothers.

Entry Age	Adults: 3 months – 25 years Children: 18 years – 65 years
Basis	Individual and Family Floater
Sum Assured	Rs.5 lakhs to Rs.25 lakhs; chosen amount can be increased on renewal
Premium Charges	Starts from Rs.7,015 Actual premium varies based on sum insured, age, and family size
Reinstatement of sum assured	Up to 100%
Bonus	Cumulative bonus at the rate of 50% of the sum insured amount is offered for every claim-free year
Covers	Hospitalisation expenses with the inclusion of pre- and post-hospitalisation expenses Delivery/New-Born Cover (Includes C-sec deliveries and vaccinations for newborns) Outpatient treatment (Dental and Ophthalmic) Pre-Existing Diseases Daily cash for hospital expenses (as per limits) Health check-up expenses Ambulance charges Day-care treatments *This is not an exhaustive list

Star Medi Classic Insurance Policy (Individual):

The Star medi classic insurance policy is a comprehensive health insurance plan that provides a cover against a range of medical expenses. The policy also covers non-allopathic treatments. Further, with this policy, the insured individual can also purchase add-ons plans that will provide him/her a more enhanced level of protection.

Entry Age	5 months to 65 years; only renewals allowed after 65 years Family plan- 5 months to 45 years
Medical Screening	Required for customers above 50 years at authorised centres
Co-payment	10% of all claims for insured members above 60 years
Policy Period	1 year or 2 years
Discounts	5% discount can be availed upon paying premiums in advance for 2 full policy years
Sum Insured	Individuals: Rs.1.5 lakhs to Rs.15 lakhs;Family Package Plan: Rs.2lakhs or 3 lakhs
Annual Premium Charges Individuals Family Package Plan	Individual Plan: Rs.2,510 to Rs.88,170, varies based on the sum insured, age, and zone Family Plan: Rs.4,460 to Rs.7,805, varies based on the sum insured, age, and family size i.e. 2 adults or 2 adults with 1 child or 2 adults with 2 children
Two-Year Premium Charges: Individuals Family Package Plan	Individual Plan: Rs.4,769 to Rs.1,67,523, varies based on the sum insured, age, and zone Family Plan: Rs.8,474 to Rs.14,83, varies based on the sum insured, age, and family size
Reinstatement of sum assured	Automatic restoration of the sum insured, up to 200%
Bonus	5% – 25% of basic sum assured for every year following one in which no claim is made
Covers	Non-allopathic treatment, Pre-existing diseases, Pre and Post- hospitalization expenses, Day-care treatment, Health-Check Expenses
Optional Covers	Hospital Cash: Extra premium Rs.350 (annual); Rs.665 (two-year); Patient Care: Extra premium Rs.580 (annual); Rs.1,102 (two-year); New-Born Baby Cover (only under Family Package Plan): Extra premium = 10% of the premium applicable in the year of birth

Star Family Health Optima:

A Star family health optima Insurance Plan provides coverage against healthcare-related expenses to the entire family, at an affordable premium rate. Some of the key features of the Family Health Optima Plan are mentioned in the table below.

Entry Age	Adults: 18 years to 65 years Children over 16th day can be included in the cover Only renewals allowed after 65 years
Sum assured	Rs.1 lakh to Rs.25 lakh
Premiums charged	Rs.3,890 to Rs.34,700;Depends on sum assured, age, family size and zone; based on age of oldest insured member
Bonus	Bonus of 25% can be availed on the sum insured amount for the first claim-free year, and 10% for every subsequent claim-free year
Reinstatement of sum assured	Up to 100% reinstatement
Co-payment	20% of all claims for insured members over 61 years of age
Coverage	In-patient hospitalisation Ambulance charges Pre and post-hospitalization expenses Day-care expenses Domiciliary hospitalisation Organ donor expenses Cost of health check-up New-born baby cover

Star Senior Citizens Red Carpet Health Insurance Policy:

Senior citizens are an oft-ignored segment of the health insurance industry given their limited incomes and high susceptibility to age-related illnesses. Star Health has addressed this group’s protection needs through this Star senior citizen’s red carpet plan which provides affordable and adequate coverage along with attractive features.

Entry Age	60 to 75 years
Renewals	Guaranteed after 75 years
Sum assured	Rs.1 lakh to Rs.10 lakhs
Premium charges	Rs.4,450 to Rs.26,550
Discount	5% discount upon purchasing policies online
Medical screening	Not required.
Treatment	Provided at any network hospital
Co-payment	50% for pre-existing disease claims; 30% for other claims
Covers	In-patient hospitalisation Pre-existing diseases after first policy year Outpatient consultations Cover for specific diseases Ambulance charges Pre- and post-hospitalisation expenses

Star Super Surplus Insurance Policy:

Star super surplus Provides greater protection than that offered by the average run-of-the-mill plans. It can be availed by individuals for themselves or on a floater basis to include their families as well.

Entry Age	3 months to 65 years; only renewals beyond 65 years
Basis	Individual or Floater
Sum assured	Individual- Rs.7 lakh/ 10 lakh Family Floater- Rs.10 lakh
Premium charged	Premiums will vary on the basis of the plan type, sum insured, age at entry, and other factors Individual Plans: Premiums start at Rs.1,300 Family Floater Plans: Premiums start at Rs.1,800
Coverage	Silver Plan: Hospitalisation cover Surgeon’s fees, anaesthetist charges, etc. Cost of blood, drugs, anaesthesia, etc. Gold Plan: Hospitalisation cover Surgeon’s fees, anaesthetist charges, etc. Cost of blood, drugs, anaesthesia, etc. Air ambulance cover Emergency ambulance charges Option to avail second opinion

Star Super Surplus ‘Gold’ Plan:

A Star super surplus gold plan which caters to any unforeseen event, offering enhanced protection to policyholders. Designed primarily to offer enhanced protection, this is ideal for individuals who wish to avail the best in health insurance. Provisions of air-ambulance, absence of room rent cap, lifelong renewal and affordable premiums have made the Gold Plan a perfect ally for people accustomed to a certain way of life.

Entry age	Minimum – 18 years Maximum – 65 years Children can avail protection under this plan, subject to the parent being a policyholder. Children aged between 3 months and 25 years can be protected under this policy
Basis	Individual or Floater
Sum assured	Minimum – Rs 5 lakhs (Floater and Individual) Maximum – Rs 25 lakhs (Floater and Individual) Maximum- Rs.10 lakhs (Individual)
Premium charged	Ranges between Rs 1,950 and Rs 36,360, depending on the entry age and sum assured
Co-payment	10% of claim amount for policyholder with entry age over 60 years
Covers	Hospitalisation charges (including room and nursing fees), air ambulance cover, surgeon/consultant fees, medicine costs, operation theatre expenses, second opinion costs, etc.

Star Health Gain:

The Health Gain Insurance Policy from Star Health is a unique insurance policy that provides a cover against both inpatient and outpatient expenses. The policy can be purchased on an individual basis or for an entire family as a family floater plan.

Entry Age	5 months to 65 years
Basis	Individual or Floater
Sum Insured	Rs.1 lakh – Rs.5 lakh
Premium charged	Starting from Rs.15,000 (excluding GST)
Discount	Maximum 10% no-claim bonus upon renewal.
Coverage	Outpatient treatment within limits Ambulance charges Pre/Post-hospitalization expenses Day-care procedures as specified Pre-existing diseases, after 48 months In-patient hospitalisation

Star Criticare Plus Insurance Policy:

The Star criticare plus Insurance Policy specifically provides a cover for up to 9 critical illnesses. Thus, with this policy, if the insured individual happens to be diagnosed with a critical illness, he/she will receive a lump sum payout, from the insurer.

Entry Age	18 to 65 years, only renewals beyond 65 years
Basis	Individual
Sum assured	Rs.2 lakhs to Rs.10 lakhs
Premiums charged	Rs.3,750 to Rs.35,350 (excluding tax)
Discounts:	5% for 2 members and below; 10% above 2 members
Medical screening	Required for persons above 50 years at authorised centres
Co-payment	30% of claims for insured parties above 60 years; applicable to sub-limits
Covers	Hospitalisation cover Ambulance charges Pre/Post-hospitalization expenses Day-care procedures Non-Allopathic treatments Major diseases Pre-existing diseases after the waiting period

Star Cardiac Care Insurance Plan:

Going to the heart of it’s customer-base, this Star cardiac care plan is geared towards compensating insured parties for expenses incurred on cardiac ailments in addition to comprehensive health benefits. The policy is available in two variants – the Silver Plan and the Gold Plan.

Entry Age	10 to 65 years; for those who have been Stenting or Bypass patients in the 7 years preceding policy inception.
Sum assured	Rs.3 or 4 lakhs
Premiums charged	Silver Plan: Starting from Rs.18,000 Gold Plan: Starting from Rs.26,000
Medical screening	Required for all entrants
Co-payment	10% of claims for insured parties above 60 years.of age
Coverage	Hospitalisation cover Ambulance charges Pre/Post-hospitalization expenses Day-care procedures Pre-existing illnesses after 48 months Cardiac diseases after the 90-day waiting period Outpatient expenses Personal Accidents

Star Unique Health Insurance Policy:

The Star Unique Health Insurance Policy provides a cover for both pre-existing diseases and any ailments/illnesses that might occur in the future. Policy buyers also do not have to undergo a pre-policy medical screening in order to purchase this plan. The main benefits and features of the policy are listed below.

Entry Age	18 to 65 years; only renewals allowed beyond 65 years
Basis	Individual.
Policy period	2 years; sum assured and the sub-limits are per policy year
Sum assured	Rs.1 lakh to Rs.3 lakhs
Sub-limits	Rs.50,000 to Rs.1.5 lakhs
Premiums charged	Rs.4,900 to Rs.26,450
Premium payment	2 installments; one at inception and then at start of 2nd policy year
Medical screening	Not required
Coverage	Covers HIV+ persons (subject to conditions) Non-allopathic treatments Pre/Post-hospitalization expenses Pre-existing diseases Ambulance charges Day-care procedures as specified In-patient hospitalisation

Star Wedding Gift Insurance:

A Star wedding gift insurance provides a wide coverage to insured individual by covering their regular hospitalisation expenses, providing a pre- and post-natal cover, and also providing a risk cover to the newborn.

Entry age (for couples)	18 to 40 years; renewable till 45 years; followed by optional policy migration
Basis	Floater
Premium payment:	One-Year Cover: Rs.10,305 to Rs.15,310 Two-Year Cover: Rs.18,550 to Rs.27,560
Policy period	1 or 2 years.
Medical screening	Not required.
Coverage	In-patient hospitalisation Ambulance charges Delivery expenses, pre- and post-natal expenses Newborn baby care Non-Allopathic treatments Pre-existing diseases after 48 months Pre- and post-hospitalisation expenses

Star Diabetes Safe Insurance Policy:

The Diabetes Safe Insurance Policy from Star Health is a unique insurance policy that provides a cover against both Type 1 and Type 2 Diabetes. The policy can be purchased as individual or floater policy. Outpatient expenses such as medical consultation, medicines, and diagnostic tests are covered. Compensation for accidental death of insured member given. Donor expenses for kidney transplant are also covered. Dialysis expenses of Rs.1,000 per sitting covered up to 2 years. Over 400 day-care procedures covered and automatic restoration of entire sum insured.

Entry age	18 to 65 years
Basis	Individual or Floater
Medical screening	Plan A: Medical screening is mandatory Plan B: Medical screening is not required
Reinstatement of sum assured	Up to 100% (on individual basis)
Coverage	Covers hospitalisation expenses as a result of Type 1 or Type 2 diabetes Covers hospitalisation expenses as a result of other diseases Outpatient expenses Personal accidents Day care procedures

Star Family Delite Insurance Policy:

The Family Delite Insurance Policy from Star Health is an affordable health insurance policy that is especially catered towards families. By way of this policy, insured members will receive a cover against in-patient, pre-hospitalisation, post-hospitalisation, and specified day-care procedure expenses.

Entry age	5 months to 65 years, only renewals allowed beyond 65 years
Basis	Floater
Sum assured	Rs. 2 or 3 lakhs
Premium charged	Premiums start from Rs.2,800 Actual premium rate will vary on the basis of the sum insured, number of family members enrolled, age of the oldest family member, etc.
Medical screening	Required for entrants above 50 years at authorised centres
Coverage	In-patient hospitalisation cover Emergency ambulance charges Pre- and post-hospitalisation expenses Day-care procedures, as mentioned in the brochure Specific diseases mentioned in the brochure Pre-existing diseases after 48 months

Star Micro Health Insurance Policy:

The Star micro health insurance policy offered Star Health Insurance offers a cover against hospital expenses at an affordable price. This policy is available for purchase in both Tier 1 and Tier 2 cities, in India. The features of this policy are listed in the table below.

Entry age	18 years – 70 years The cover can be extended to dependent children over 5 months
Basis	Individual
Sum Insured	Rs.5 lakh, Rs.10 lakh, Rs.15 lakh
Minimum Premium	Premiums start from Rs.254
Policy Tenure	1, 2, or 3 years
Coverage	In-patient hospitalisation expenses Pre- and post-hospitalisation cover 405 daycare treatments Pre-existing diseases after 48-month waiting period Treatment for certain specific diseases Ambulance expenses

Star Care Insurance Policy:

The Star Care is a health insurance policy that can be taken as an individual plan or as a family floater plan. The Star care insurance policy helps provide a cover against hospitalisation expenses that one might have to incur in the event of an accident. The policy also covers accidental death, thereby helping you safeguard your dependents financially.

Entry age	18 years – 65 years The cover can be extended to children over 2 years
Renewability	Lifetime
Basis	Individual/Family Floater
Premium charged	Premiums start from Rs.905 Premiums will vary on the basis of the insurer’s age, sum insured, etc.
Medical screening	Pre-policy medical screening is not required
Coverage	Policy pays hospital cash benefits Medical expenditure is taken care of to a large degree Coverage for accidents that occur while playing winter sports Educational grant provided for minor children Travel expenses will be covered for one relative

Star Health Student Care Plan:

The Student Care Plan from Star Health Insurance is especially catered towards college and school students, and provides a cover against accidental death, permanent total disability caused as a result of an accident, medical expenses due to injuries sustained in an accident, etc. Some of the main features of this plan are listed in the table below.

Entry age	School students: 3 – 18 years College students: 15 – 25 years
Sum Insured	School students: Rs.50,000 College Students: Rs.1 lakh
Minimum Premium	School students: Rs.70 College Students: Rs.120
Coverage	Covers accidental death and permanent total disability Cover against hospitalisation expenses post an accident Outpatient expenses up to a specific limit Education grant upon parent/guardian’s death

Star Cancer Care Gold:

The Cancer Care Gold from Star Health Insurance is the first insurance plan that is especially designed for individuals who have already been diagnosed with either Stage 1 or Stage 2 Cancer. This policy has been launched by the insurer on a pilot basis for a period of 5 years, as of now. The policy covers recurrence of cancer, spread of the disease, and second cancer, which is unrelated to the first cancer, etc. Certain features of the plan are listed in the table below.

Age at Entry	5 months – 65 years
Policy Tenure	1 year
Medical Screening	Pre-policy medical screening is not required
Sum Insured	Rs.3 lakh and Rs.5 lakh
Minimum Premium	Section 1: Rs.17,400 Section 2: Rs.12,250
Co-Pay	10% co-pay for policyholders over the age of 60 years
Coverage	Section 1: Lump sum benefit is provided in case of recurrence of the disease/ second cancer/metastasis Section 2 (Indemnity Cover): Covers surgical and also interventional therapy Section 3 (Indemnity Cover): Covers non-surgical and non-interventional therapy

Star Health Accident Care Insurance Policy:

It’s important to stay covered under an insurance policy in case something untoward happens that could leave you in a financially unstable position. Even if an event occurs that happens to render you incapable of earning an income, you need to ensure that your family doesn’t have to suffer financially. The Star Health Accident Care Insurance Policy health insurance product provides you the peace of mind of knowing that even if you meet with an accident, the expenses for your hospitalization and treatment will be taken care of. In addition, if the accident leaves you disabled and unable to earn an income, the plan will also pay out a sum of money to your dependants and spouse to tide over tough times.

Features of Accident Care Insurance Plan:

Minimum entry age is 18 years and the maximum is 70 years.
Dependent children can be brought under insurance cover from the age of 5 months.
Policy pays hospital cash benefits.
Medical expenditure is taken care of to a large degree.
One of the few polices that provides coverage for accidents that occur while playing winter sports.
Educational grant provided for minor children.
Travel expenses will be covered if required for one spouse.
Insured amount will be calculated based on the income of the policyholder.
Policy tenure can be of one, two, or even three years.
Policy has lifetime renewability.

The following terms and conditions are applicable to all the plans:

Renewal	No age limit; Grace period of 30 days from expiry; Increase in sum assured allowed upon renewal; Renewal premium can vary
Cancellation	Allowed at any time during policy period; Premiums refunded as per company rates
Termination	Upon death of insured, When entire cover is claimed
Portability	Allowed