{"id":2910,"date":"2018-04-14T23:55:19","date_gmt":"2018-04-14T18:25:19","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=2910"},"modified":"2018-06-23T12:04:58","modified_gmt":"2018-06-23T06:34:58","slug":"star-health-insurance","status":"publish","type":"page","link":"https:\/\/www.antworksmoney.com\/blog\/star-health-insurance\/","title":{"rendered":"Star Health Insurance"},"content":{"rendered":"<div class=\"row btm-pad\">\n<div class=\"col-md-12\">\n<p>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.<\/p>\n<h3>Benefits of individual health insurance plans offered by\u00a0<u>Star Health and Allied Insurance<\/u>:<\/h3>\n<ul>\n<li>Individuals aged 18 to 65 years are eligible for the plan.<\/li>\n<li>There is no sub-limit on room rent and treatment costs.<\/li>\n<li>Insurance cover includes hospital cash benefits and free health check-up facility after the completion of a certain number of consecutive, claim-free years.<\/li>\n<li>Insurance policies from Star Health cover several day-care procedures.<\/li>\n<\/ul>\n<h3>Benefits of family health insurance plans offered by Star Health and Allied Insurance:<\/h3>\n<ul>\n<li>Affordable health insurance cover is available on a floater basis.<\/li>\n<li>For a claim-free renewal, you can get up to 100% increase in sum insured.<\/li>\n<li>No sub-limit on room rent and treatment costs.<\/li>\n<li>Your policy will cover dental and ophthalmic treatments on Out-Patient Department (OPD) basis.<\/li>\n<li>Insurance benefits include air ambulance facility and second medical opinion.<\/li>\n<\/ul>\n<h3>Benefits of senior citizen health insurance plans offered by Star Health and Allied Insurance:<\/h3>\n<ul>\n<li>Senior citizens aged 60 to 75 years can apply for the plan.<\/li>\n<li>No-pre insurance medical test is required.<\/li>\n<li>Insurance covers pre-existing diseases from 2nd year onwards.<\/li>\n<li>Policy comes with a guaranteed lifetime renewability option.<\/li>\n<li>Medical consultations can be availed as an outpatient in a network hospital.<\/li>\n<\/ul>\n<h3>Benefits of accident care individual health insurance plans offered by Star Health and Allied Insurance:<\/h3>\n<ul>\n<li>Insurance cover for accidental death, permanent disability, and temporary disablement.<\/li>\n<li>Get enhanced weekly compensation up to Rs.15,000 per week for up to 100 weeks.<\/li>\n<li>Get educational grant for dependent children.<\/li>\n<li>Get 5% cumulative bonus per annum up to a maximum of 50%.<\/li>\n<li>Get up to 150% of the sum insured as compensation for permanent total disablement.<\/li>\n<\/ul>\n<h2>Protecting Health, Protecting Wealth:<\/h2>\n<p><strong>The following features\/terms are common to all plans on offer:<\/strong><\/p>\n<ul>\n<li><strong>In-patient hospitalization\/treatment<\/strong>\u00a0which includes hospital expenses*, provided one has been hospitalised for a minimum of 24 hours.<\/li>\n<li><strong>Pre-hospitalization Expenses:\u00a0<\/strong>Generally up to 30 days.<\/li>\n<li><strong>Post-hospitalization Expenses:\u00a0<\/strong>Generally up to 60 days; usually met through a lump sum payment @7% of the expenses or Rs.5,000, whichever is less.<\/li>\n<li><strong>Pre-existing diseases<\/strong>\u00a0are included subject to prior coverage by a domestic insurer; usually for the four years preceding policy inception (2 or 3 years where specified).<\/li>\n<li><strong>Floater Basis:<\/strong>\u00a0Family 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.<\/li>\n<li><strong>Individual Basis:\u00a0<\/strong>The sum insured under the policy is made available on a per person basis.<\/li>\n<li><strong>Reinstatement of sum assured:<\/strong>\u00a0Normally allowed after a specified number of claim-free years<\/li>\n<\/ul>\n<p>*(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)<\/p>\n<h2>Types of Health Insurance Policies Provided by Star Health Insurance:<\/h2>\n<p><strong>Policies forming a part of the company\u2019s health insurance plans portfolio are listed below:<\/strong><\/p>\n<ol>\n<li>Star Comprehensive Insurance Policy<\/li>\n<li>Star Medi Classic Insurance Policy<\/li>\n<li>Star Family Health Optima Insurance Plan<\/li>\n<li>Star Senior Citizens Red Carpet Health Insurance Policy<\/li>\n<li>Star Super Surplus<\/li>\n<li>Star Super Surplus Gold Plan<\/li>\n<li>Star Health Gain<\/li>\n<li>Star Criticare Plus<\/li>\n<li>Star Cardiac Care<\/li>\n<li>Star Unique Health Insurance Policy<\/li>\n<li>Star Wedding Gift Insurance<\/li>\n<li>Star Diabetes Safe Insurance Policy<\/li>\n<li>Star Family Delite Insurance Policy<\/li>\n<li>Star Health Insurance Netplus<\/li>\n<li>Star Micro Health Insurance Policy<\/li>\n<li>Star Care Insurance Policy<\/li>\n<li>Star Health Accident Care Insurance Policy<\/li>\n<li>Star Health Student Care Plan<\/li>\n<li>Star Cancer Care Gold<\/li>\n<\/ol>\n<h2>Star Comprehensive Insurance Policy:<\/h2>\n<p>A\u00a0Star 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>\n<ul>\n<li>Adults: 3 months \u2013 25 years<\/li>\n<li>Children: 18 years \u2013 65 years<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual and Family Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Assured<\/strong><\/td>\n<td>Rs.5 lakhs to Rs.25 lakhs; chosen amount can be increased on renewal<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium Charges<\/strong><\/td>\n<td>Starts from Rs.7,015 Actual premium varies based on sum insured, age, and family size<\/td>\n<\/tr>\n<tr>\n<td><strong>Reinstatement of sum assured<\/strong><\/td>\n<td>Up to 100%<\/td>\n<\/tr>\n<tr>\n<td><strong>Bonus<\/strong><\/td>\n<td>Cumulative bonus at the rate of 50% of the sum insured amount is offered for every claim-free year<\/td>\n<\/tr>\n<tr>\n<td><strong>Covers<\/strong><\/td>\n<td>\n<ul>\n<li>Hospitalisation expenses with the inclusion of pre- and post-hospitalisation expenses<\/li>\n<li>Delivery\/New-Born Cover (Includes C-sec deliveries and vaccinations for newborns)<\/li>\n<li>Outpatient treatment (Dental and Ophthalmic)<\/li>\n<li>Pre-Existing Diseases<\/li>\n<li>Daily cash for hospital expenses (as per limits)<\/li>\n<li>Health check-up expenses<\/li>\n<li>Ambulance charges<\/li>\n<li>Day-care treatments<\/li>\n<\/ul>\n<p>*This is not an exhaustive list<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Medi Classic Insurance Policy (Individual):<\/h2>\n<p>The\u00a0Star medi classic insurance policy\u00a0is 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>5 months to 65 years; only renewals allowed after 65 years Family plan- 5 months to 45 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical Screening<\/strong><\/td>\n<td>Required for customers above 50 years at authorised centres<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-payment<\/strong><\/td>\n<td>10% of all claims for insured members above 60 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Period<\/strong><\/td>\n<td>1 year or 2 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Discounts<\/strong><\/td>\n<td>5% discount can be availed upon paying premiums in advance for 2 full policy years<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Insured<\/strong><\/td>\n<td>Individuals: Rs.1.5 lakhs to Rs.15 lakhs;Family Package Plan: Rs.2lakhs or 3 lakhs<\/td>\n<\/tr>\n<tr>\n<td><u><strong>Annual Premium Charges<\/strong><\/u>\u00a0Individuals\u00a0 Family Package Plan<\/td>\n<td>Individual Plan: Rs.2,510 to Rs.88,170, varies based on the sum insured, age, and zone<\/p>\n<p>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<\/td>\n<\/tr>\n<tr>\n<td><u><strong>Two-Year Premium Charges:<\/strong><\/u>\u00a0Individuals Family Package Plan<\/td>\n<td>Individual Plan: Rs.4,769 to Rs.1,67,523, varies based on the sum insured, age, and zone<\/p>\n<p>Family Plan: Rs.8,474 to Rs.14,83, varies based on the sum insured, age, and family size<\/td>\n<\/tr>\n<tr>\n<td><strong>Reinstatement of sum assured<\/strong><\/td>\n<td>Automatic restoration of the sum insured, up to 200%<\/td>\n<\/tr>\n<tr>\n<td><strong>Bonus<\/strong><\/td>\n<td>5% &#8211; 25% of basic sum assured for every year following one in which no claim is made<\/td>\n<\/tr>\n<tr>\n<td><strong>Covers<\/strong><\/td>\n<td>Non-allopathic treatment, Pre-existing diseases, Pre and Post- hospitalization expenses, Day-care treatment, Health-Check Expenses<\/td>\n<\/tr>\n<tr>\n<td><strong>Optional Covers<\/strong><\/td>\n<td>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<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Family Health Optima:<\/h2>\n<p>A\u00a0Star family health optima\u00a0Insurance 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>Adults: 18 years to 65 years<\/p>\n<p>Children over 16th day can be included in the cover<\/p>\n<p>Only renewals allowed after 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Rs.1 lakh to Rs.25 lakh<\/td>\n<\/tr>\n<tr>\n<td><strong>Premiums charged<\/strong><\/td>\n<td>Rs.3,890 to Rs.34,700;Depends on sum assured, age, family size and zone; based on age of oldest insured member<\/td>\n<\/tr>\n<tr>\n<td><strong>Bonus<\/strong><\/td>\n<td>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<\/td>\n<\/tr>\n<tr>\n<td><strong>Reinstatement of sum assured<\/strong><\/td>\n<td>Up to 100% reinstatement<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-payment<\/strong><\/td>\n<td>20% of all claims for insured members over 61 years of age<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>In-patient hospitalisation<\/li>\n<li>Ambulance charges<\/li>\n<li>Pre and post-hospitalization expenses<\/li>\n<li>Day-care expenses<\/li>\n<li>Domiciliary hospitalisation<\/li>\n<li>Organ donor expenses<\/li>\n<li>Cost of health check-up<\/li>\n<li>New-born baby cover<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Senior Citizens Red Carpet Health Insurance Policy:<\/h2>\n<p>Senior citizens are an oft-ignored segment of the\u00a0health insurance\u00a0industry given their limited incomes and high susceptibility to age-related illnesses. Star Health has addressed this group&#8217;s protection needs through this\u00a0Star senior citizen&#8217;s red carpet\u00a0plan which provides affordable and adequate coverage along with attractive features.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>60 to 75 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewals<\/strong><\/td>\n<td>Guaranteed after 75 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Rs.1 lakh to Rs.10 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium charges<\/strong><\/td>\n<td>Rs.4,450 to Rs.26,550<\/td>\n<\/tr>\n<tr>\n<td><strong>Discount<\/strong><\/td>\n<td>5% discount upon purchasing policies online<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>Not required.<\/td>\n<\/tr>\n<tr>\n<td><strong>Treatment<\/strong><\/td>\n<td>Provided at any network hospital<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-payment<\/strong><\/td>\n<td>50% for pre-existing disease claims; 30% for other claims<\/td>\n<\/tr>\n<tr>\n<td><strong>Covers<\/strong><\/td>\n<td>\n<ul>\n<li>In-patient hospitalisation<\/li>\n<li>Pre-existing diseases after first policy year<\/li>\n<li>Outpatient consultations<\/li>\n<li>Cover for specific diseases<\/li>\n<li>Ambulance charges<\/li>\n<li>Pre- and post-hospitalisation expenses<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Super Surplus Insurance Policy:<\/h2>\n<p>Star super surplus\u00a0Provides 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>3 months to 65 years; only renewals beyond 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual or Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Individual- Rs.7 lakh\/ 10 lakh Family Floater- Rs.10 lakh<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium charged<\/strong><\/td>\n<td>Premiums will vary on the basis of the plan type, sum insured, age at entry, and other factors<\/p>\n<ul>\n<li>Individual Plans: Premiums start at Rs.1,300<\/li>\n<li>Family Floater Plans: Premiums start at Rs.1,800<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>Silver Plan:<\/p>\n<ul>\n<li>Hospitalisation cover<\/li>\n<li>Surgeon\u2019s fees, anaesthetist charges, etc.<\/li>\n<li>Cost of blood, drugs, anaesthesia, etc.<\/li>\n<\/ul>\n<p>Gold Plan:<\/p>\n<ul>\n<li>Hospitalisation cover<\/li>\n<li>Surgeon\u2019s fees, anaesthetist charges, etc.<\/li>\n<li>Cost of blood, drugs, anaesthesia, etc.<\/li>\n<li>Air ambulance cover<\/li>\n<li>Emergency ambulance charges<\/li>\n<li>Option to avail second opinion<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Super Surplus \u2018Gold\u2019 Plan:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry age<\/strong><\/td>\n<td>Minimum \u2013 18 years Maximum \u2013 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<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual or Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Minimum \u2013 Rs 5 lakhs (Floater and Individual) Maximum \u2013 Rs 25 lakhs (Floater and Individual) Maximum- Rs.10 lakhs (Individual)<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium charged<\/strong><\/td>\n<td>Ranges between Rs 1,950 and Rs 36,360, depending on the entry age and sum assured<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-payment<\/strong><\/td>\n<td>10% of claim amount for policyholder with entry age over 60 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Covers<\/strong><\/td>\n<td>Hospitalisation charges (including room and nursing fees), air ambulance cover, surgeon\/consultant fees, medicine costs, operation theatre expenses, second opinion costs, etc.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Health Gain:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>5 months to 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual or Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Insured<\/strong><\/td>\n<td>Rs.1 lakh \u2013 Rs.5 lakh<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium charged<\/strong><\/td>\n<td>Starting from Rs.15,000 (excluding GST)<\/td>\n<\/tr>\n<tr>\n<td><strong>Discount<\/strong><\/td>\n<td>Maximum 10% no-claim bonus upon renewal.<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>Outpatient treatment within limits<\/li>\n<li>Ambulance charges<\/li>\n<li>Pre\/Post-hospitalization expenses<\/li>\n<li>Day-care procedures as specified<\/li>\n<li>Pre-existing diseases, after 48 months<\/li>\n<li>In-patient hospitalisation<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Criticare Plus Insurance Policy:<\/h2>\n<p>The\u00a0Star criticare plus\u00a0Insurance 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 to 65 years, only renewals beyond 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Rs.2 lakhs to Rs.10 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>Premiums charged<\/strong><\/td>\n<td>Rs.3,750 to Rs.35,350 (excluding tax)<\/td>\n<\/tr>\n<tr>\n<td><strong>Discounts<\/strong>:<\/td>\n<td>5% for 2 members and below; 10% above 2 members<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>Required for persons above 50 years at authorised centres<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-payment<\/strong><\/td>\n<td>30% of claims for insured parties above 60 years; applicable to sub-limits<\/td>\n<\/tr>\n<tr>\n<td><strong>Covers<\/strong><\/td>\n<td>\n<ul>\n<li>Hospitalisation cover<\/li>\n<li>Ambulance charges<\/li>\n<li>Pre\/Post-hospitalization expenses<\/li>\n<li>Day-care procedures<\/li>\n<li>Non-Allopathic treatments<\/li>\n<li>Major diseases<\/li>\n<li>Pre-existing diseases after the waiting period<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Cardiac Care Insurance Plan:<\/h2>\n<p>Going to the heart of it&#8217;s customer-base, this\u00a0Star cardiac care\u00a0plan 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 \u2013 the Silver Plan and the Gold Plan.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>10 to 65 years; for those who have been Stenting or Bypass patients in the 7 years preceding policy inception.<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Rs.3 or 4 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>Premiums charged<\/strong><\/td>\n<td>\n<ul>\n<li>Silver Plan: Starting from Rs.18,000<\/li>\n<li>Gold Plan: Starting from Rs.26,000<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>Required for all entrants<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-payment<\/strong><\/td>\n<td>10% of claims for insured parties above 60 years.of age<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>Hospitalisation cover<\/li>\n<li>Ambulance charges<\/li>\n<li>Pre\/Post-hospitalization expenses<\/li>\n<li>Day-care procedures<\/li>\n<li>Pre-existing illnesses after 48 months<\/li>\n<li>Cardiac diseases after the 90-day waiting period<\/li>\n<li>Outpatient expenses<\/li>\n<li>Personal Accidents<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><a href=\"https:\/\/www.bankbazaar.com\/insurance\/star-health-insurance\/unique.html\">Star Unique Health Insurance Policy<\/a>:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry Age<\/strong><\/td>\n<td>18 to 65 years; only renewals allowed beyond 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual.<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy period<\/strong><\/td>\n<td>2 years; sum assured and the sub-limits are per policy year<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Rs.1 lakh to Rs.3 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>Sub-limits<\/strong><\/td>\n<td>Rs.50,000 to Rs.1.5 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>Premiums charged<\/strong><\/td>\n<td>Rs.4,900 to Rs.26,450<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium payment<\/strong><\/td>\n<td>2 installments; one at inception and then at start of 2nd policy year<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>Not required<\/td>\n<\/tr>\n<tr>\n<td>Coverage<\/td>\n<td>\n<ul>\n<li>Covers HIV+ persons (subject to conditions)<\/li>\n<li>Non-allopathic treatments<\/li>\n<li>Pre\/Post-hospitalization expenses<\/li>\n<li>Pre-existing diseases<\/li>\n<li>Ambulance charges<\/li>\n<li>Day-care procedures as specified<\/li>\n<li>In-patient hospitalisation<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Wedding Gift Insurance:<\/h2>\n<p>A\u00a0Star wedding gift insurance\u00a0provides 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry age (for couples)<\/strong><\/td>\n<td>18 to 40 years; renewable till 45 years; followed by optional policy migration<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Floater<\/td>\n<\/tr>\n<tr>\n<td><u><strong>Premium payment:<\/strong><\/u><\/td>\n<td>\n<ul>\n<li>One-Year Cover: Rs.10,305 to Rs.15,310<\/li>\n<li>Two-Year Cover: Rs.18,550 to Rs.27,560<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy period<\/strong><\/td>\n<td>1 or 2 years.<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>Not required.<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>In-patient hospitalisation<\/li>\n<li>Ambulance charges<\/li>\n<li>Delivery expenses, pre- and post-natal expenses<\/li>\n<li>Newborn baby care<\/li>\n<li>Non-Allopathic treatments<\/li>\n<li>Pre-existing diseases after 48 months<\/li>\n<li>Pre- and post-hospitalisation expenses<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Diabetes Safe Insurance Policy:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry age<\/strong><\/td>\n<td>18 to 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual or Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>\n<ul>\n<li>Plan A: Medical screening is mandatory<\/li>\n<li>Plan B: Medical screening is not required<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Reinstatement of sum assured<\/strong><\/td>\n<td>Up to 100% (on individual basis)<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>Covers hospitalisation expenses as a result of Type 1 or Type 2 diabetes<\/li>\n<li>Covers hospitalisation expenses as a result of other diseases<\/li>\n<li>Outpatient expenses<\/li>\n<li>Personal accidents<\/li>\n<li>Day care procedures<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Family Delite Insurance Policy:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry age<\/strong><\/td>\n<td>5 months to 65 years, only renewals allowed beyond 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum assured<\/strong><\/td>\n<td>Rs. 2 or 3 lakhs<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium charged<\/strong><\/td>\n<td>Premiums start from Rs.2,800<br \/>\nActual premium rate will vary on the basis of the sum insured, number of family members enrolled, age of the oldest family member, etc.<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>Required for entrants above 50 years at authorised centres<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>In-patient hospitalisation cover<\/li>\n<li>Emergency ambulance charges<\/li>\n<li>Pre- and post-hospitalisation expenses<\/li>\n<li>Day-care procedures, as mentioned in the brochure<\/li>\n<li>Specific diseases mentioned in the brochure<\/li>\n<li>Pre-existing diseases after 48 months<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2>Star Micro Health Insurance Policy:<\/h2>\n<p>The\u00a0Star micro health insurance policy\u00a0offered 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry age<\/strong><\/td>\n<td>18 years &#8211; 70 years<\/p>\n<p>The cover can be extended to dependent children over 5 months<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Insured<\/strong><\/td>\n<td>Rs.5 lakh, Rs.10 lakh, Rs.15 lakh<\/td>\n<\/tr>\n<tr>\n<td><strong>Minimum Premium<\/strong><\/td>\n<td>Premiums start from Rs.254<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Tenure<\/strong><\/td>\n<td>1, 2, or 3 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>In-patient hospitalisation expenses<\/li>\n<li>Pre- and post-hospitalisation cover<\/li>\n<li>405 daycare treatments<\/li>\n<li>Pre-existing diseases after 48-month waiting period<\/li>\n<li>Treatment for certain specific diseases<\/li>\n<li>Ambulance expenses<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Care Insurance Policy:<\/h2>\n<p>The Star Care is a health insurance policy that can be taken as an individual plan or as a family floater plan. The\u00a0Star care insurance policy\u00a0helps 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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry age<\/strong><\/td>\n<td>18 years &#8211; 65 years<\/p>\n<p>The cover can be extended to children over 2 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewability<\/strong><\/td>\n<td>Lifetime<\/td>\n<\/tr>\n<tr>\n<td><strong>Basis<\/strong><\/td>\n<td>Individual\/Family Floater<\/td>\n<\/tr>\n<tr>\n<td><strong>Premium charged<\/strong><\/td>\n<td>Premiums start from Rs.905<\/p>\n<p>Premiums will vary on the basis of the insurer\u2019s age, sum insured, etc.<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical screening<\/strong><\/td>\n<td>Pre-policy medical screening is not required<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>Policy pays hospital cash benefits<\/li>\n<li>Medical expenditure is taken care of to a large degree<\/li>\n<li>Coverage for accidents that occur while playing winter sports<\/li>\n<li>Educational grant provided for minor children<\/li>\n<li>Travel expenses will be covered for one relative<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Health Student Care Plan:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Entry age<\/strong><\/td>\n<td>\n<ul>\n<li>School students: 3 &#8211; 18 years<\/li>\n<li>College students: 15 &#8211; 25 years<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Insured<\/strong><\/td>\n<td>\n<ul>\n<li>School students: Rs.50,000<\/li>\n<li>College Students: Rs.1 lakh<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Minimum Premium<\/strong><\/td>\n<td>\n<ul>\n<li>School students: Rs.70<\/li>\n<li>College Students: Rs.120<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>Covers accidental death and permanent total disability<\/li>\n<li>Cover against hospitalisation expenses post an accident<\/li>\n<li>Outpatient expenses up to a specific limit<\/li>\n<li>Education grant upon parent\/guardian\u2019s death<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Cancer Care Gold:<\/h2>\n<p>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.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Age at Entry<\/strong><\/td>\n<td>5 months &#8211; 65 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Tenure<\/strong><\/td>\n<td>1 year<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical Screening<\/strong><\/td>\n<td>Pre-policy medical screening is not required<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum Insured<\/strong><\/td>\n<td>Rs.3 lakh and Rs.5 lakh<\/td>\n<\/tr>\n<tr>\n<td><strong>Minimum Premium<\/strong><\/td>\n<td>\n<ul>\n<li>Section 1: Rs.17,400<\/li>\n<li>Section 2: Rs.12,250<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Co-Pay<\/strong><\/td>\n<td>10% co-pay for policyholders over the age of 60 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage<\/strong><\/td>\n<td>\n<ul>\n<li>Section 1: Lump sum benefit is provided in case of recurrence of the disease\/ second cancer\/metastasis<\/li>\n<li>Section 2 (Indemnity Cover): Covers surgical and also interventional therapy<\/li>\n<li>Section 3 (Indemnity Cover): Covers non-surgical and non-interventional therapy<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Star Health Accident Care Insurance Policy:<\/h2>\n<p>It\u2019s 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\u2019t have to suffer financially. The\u00a0Star Health Accident Care Insurance Policy\u00a0health 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.<\/p>\n<h2>Features of Accident Care Insurance Plan:<\/h2>\n<ul>\n<li>Minimum entry age is 18 years and the maximum is 70 years.<\/li>\n<li>Dependent children can be brought under <a href=\"https:\/\/www.antworksmoney.com\/Insurance\"><strong>insurance<\/strong><\/a> cover from the age of 5 months.<\/li>\n<li>Policy pays hospital cash benefits.<\/li>\n<li>Medical expenditure is taken care of to a large degree.<\/li>\n<li>One of the few polices that provides coverage for accidents that occur while playing winter sports.<\/li>\n<li>Educational grant provided for minor children.<\/li>\n<li>Travel expenses will be covered if required for one spouse.<\/li>\n<li>Insured amount will be calculated based on the income of the policyholder.<\/li>\n<li>Policy tenure can be of one, two, or even three years.<\/li>\n<li>Policy has lifetime renewability.<\/li>\n<\/ul>\n<h2><strong>The following terms and conditions are applicable to all the plans:<\/strong><\/h2>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td><strong>Renewal<\/strong><\/td>\n<td>No age limit; Grace period of 30 days from expiry; Increase in sum assured allowed upon renewal; Renewal premium can vary<\/td>\n<\/tr>\n<tr>\n<td><strong>Cancellation<\/strong><\/td>\n<td>Allowed at any time during policy period; Premiums refunded as per company rates<\/td>\n<\/tr>\n<tr>\n<td><strong>Termination<\/strong><\/td>\n<td>Upon death of insured, When entire cover is claimed<\/td>\n<\/tr>\n<tr>\n<td><strong>Portability<\/strong><\/td>\n<td>Allowed<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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 &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/star-health-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Star Health Insurance&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2910","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Star Health Insurance - Types of Health Insurance Policies<\/title>\r\n<meta name=\"description\" content=\"Star Health Insurance - Star Health Insurance also became the first insurance company to launch a specialty policy called Star Cardiac Care.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.antworksmoney.com\/blog\/star-health-insurance\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Star Health Insurance - 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