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Star Health Insurance – Star Health Insurance Plans 2022

Star Health Insurance Plans 2022

Star Health Insurance Plans, Star Health Insurance It’s often said that your health is your wealth. And with the same belief, we make it our mission to ensure that your health is never compromised. That’s why we offer you an array of flexible plans to protect your health.

What is Health Insurance?

Great wellbeing alludes to being in a state of complete mental, physical and social prosperity yet not a simple shortfall of disease. It is feasible to get medical coverage cover when having a solid existence. However, getting a thorough health care coverage cover might be denied for your precious ones on procuring some sickness. Certain health-related crises are hard to anticipate or forestall.

In any case, we can represent them with our assortment of medical coverage plans dependent on the client’s requirements.
Health care coverage plans cover clinical costs that emerge because of sicknesses, and mishaps and incorporate the majority of clinical or careful therapies to reestablish great wellbeing. To put it plainly, health care coverage plans assist with facilitating fears, work with quality consideration, offer convenient mediation for those impacted and permit them to zero in additional on recuperation.

Benefits of Health Insurance Plans

Star Health Insurance offers various health insurance plans to meet customers’ needs and provides hassle-free in-house claim settlements. With our health insurance plans, you can benefit from:
Cashless Facility

  • Tax Exemptions
  • Value-Added Services
  • Enduring Trust
  • Customer-Centric

Cashless Facility from Network Hospitals: Speed is the essence when treating the ailing. The cashless facility supported by our health insurance plans across India is the need of the hour. Star Health and Allied Insurance Company Ltd., processes more than 90% of hospitalization related to medical health insurance claims within 2 hours under the cashless facility and 88% of claims get settled within 7 days on submission of complete documents under reimbursement.

Tax Exemptions: Under Section 80 D of the Income Tax Act 1961-2021, an income taxpayer can avail tax exemptions on premium paid towards medical health insurance policies. The taxpayer can avail tax exemptions for premiums paid towards self, spouse, dependant children, and parents.

Value-Added Services: Star Health Insurance Company provides value-added benefits like e-Medical Opinion, Telemedicine Services, Wellness Programs and rewards (which can be converted to premium discounts on renewals), and many more as value-added services. Star Health Insurance Company justifies being the Health Insurance Specialist.

Enduring Trust: Star Health Insurance, being the Health Insurance Specialist upholds the customer values and helps them at times of hospitalization or daycare procedures for medical emergencies.

Customer-Centric: Star Health continues to provide convenient digital platforms and communication channels that are accessible and reachable to customers. We aim to meet our customers at the right time, in the right way, with the right care in a way that brings value to our customer’s delight.

Mediclaim Health Insurance Policies

Health Insurance Plans provide Comprehensive Coverage

Star Health mediclaim health insurance policies will cover all 24-hour in-patient hospitalizations due to illness, accidents and daycare treatments/procedures. All related pre-hospitalization and post-hospitalization expenses are also payable up to the specified days mentioned in the policy clause.

Health Insurance Plans provide more Flexibility

Star Health Insurance plans provide more flexible benefits when the policyholder goes through certain hardships. For instance when the sum insured gets exhausted, additional coverage is provided without any extra premium. This is where benefits like Automatic Restoration of basic sum insured, Super Restoration of basic sum insured and Road Traffic Accident (RTA) on the sum insured to come into place.
Note: These flexible benefits are product/policy specific. Please refer to the policy clause to know more.

Health Insurance Plans Allow Additional Disease-Specific Coverage

With Star Health, the insured can avail of disease-specific policies for critical illnesses, cancer and cardiac ailments along with in-patient hospitalization as a general mediclaim health insurance policy. We have a wide range of mediclaim health insurance policies to choose like Star Criticare Plus Policy, Cardiac Care Platinum Insurance Policy, Cancer Care Platinum Insurance Policy and Diabetes Safe Insurance Policy.

Health Insurance Plans Cover non-Hospitalization Expenses

The insured can avail of non-hospitalization expenses covered with most of our mediclaim health insurance policies. Those include pre- and post-hospitalization expenses, annual health check-ups, out-patient care treatments, diagnostics, consultations, etc.

Our Health Insurance Plans

Health issues increase with a sedentary lifestyle and advancement in age to a larger population. The current pandemic situation has underlined the need for health insurance more than ever before.

All our policies provide cover for COVID-19, on purchase of a health insurance plan by a healthy individual/family if diagnosed with COVID-19 and require hospitalization. Covid-19 treatments are covered with some waiting periods as mentioned in the policy clauses.

Our varied, feature-rich health insurance plans are available for several health issues and provide peace of mind at times of financial crisis due to medical contingencies and uncertainties.
Health insurance plans primarily are of different types and are classified under two categories based on their coverage –

  • for an Individual and Family.

Individual Health Insurance Plan

The Individual Health Insurance plans cover an individual, and the sum insured typically. Opted Sum insured can be used by the insured individual only.

  • Family Floater Health Insurance Plan

In the context of Family Health Insurance, a family indicates self, spouse and the dependent children and parents. The Family Floater Health Insurance plan covers an entire family with a single premium, and the sum insured floats among the insured family members.

At hospitals across India, the insured and family members can avail of quality-assured in-patient hospitalization, modern treatments, diagnosis, surgeries, etc along with a host of other features.

Here are our health insurance plans:

Healthcare business graph data and growth, Doctor use calculator and calculate healthcare costs and analyzing medical report on tablet.

Diabetes Safe Health Insurance Plan

Diabetes is among one of the most common disorders with a huge number of 50.9 million people, driving India to the second position of the most affected country in the world, says Diabetes Foundation of India in a recent survey. A sedentary lifestyle, usage of tobacco, unhealthy food habits are the factors that stand foremost leading to diabetes, according to WHO.

Star Diabetes Safe Health Insurance Plans offers coverage for regular in-patient hospitalization due to illness/accidents and diabetes complications arising out of Type 1/Type 2 . This is a specialized plan designed for people already with a history of diabetes. The plan covers diabetic complications and all other illnesses that require 24 hours of hospitalization on both individual and family floater basis.

Super Surplus Top-Up Health Insurance Plan(Gold Plan)

During the pandemic, even the best coverage is not sufficient. The Super Surplus Health Insurance Plan is a top-up plan that will cover medical costs, over and above a threshold limit. The plan is designed to cover exorbitant medical expenses with affordable premiums up to 1 crore sum insured. The Super Surplus Top-Up plan is available both on an individual and floater basis that can cover your family too.

Cardiac Care Platinum Health Insurance Plan

Your heart needs all the extra care and timely protection. Cardiac Care is a unique health insurance plan that helps individuals from the age of 7 to 70 years, diagnosed with a cardiac ailment or undergone a cardiac surgical intervention

Star Comprehensive Health Insurance Plan

As the name itself says, Star Comprehensive Health Insurance Plan is an all-inclusive plan that can cover the entire family from an entry age of 18 to 65 with a lifetime renewability benefit.
With individual and family floater coverage, this health insurance plan offers various sum insured options. Depending on their needs, individuals/families can choose the specified sum insured option with a minimum of 5 lakhs and a maximum of 1 crore.

Senior Citizen Red Carpet Health Insurance Plan

Star Senior Citizen Red Carpet Health Insurance Plan is an ideal health insurance policy for senior citizens in the age group of 60 and 75 years. The policy comes with a lifelong renewal option, covering a range of daycare procedures/treatments, pre-existing diseases, modern treatments and significant medical interventions that may be required for the elderly.

The USP of this plan is that, on choosing sum insured options of 15 lakhs and above, a nominal co-payment of 30% is applicable for all medical claims and can get exemption from co-payment on cataract surgeries.

Return your parent’s unconditional support and love they bestowed. Ensure parents receive the right protection and care during their old age by gifting them the Senior Citizen Red Carpet Policy and avail tax exemption under section 80D.

Family Health Optima (Floater) Health Insurance Plan

Providing family needs can be economically challenging. Hence, a super saver policy keeping the expenses to a minimum yet covering the whole family can be your option. The FHO (Floater) Health Insurance Plan is appropriately priced so that you can cope with the most challenging health issues of every family member, even the youngest ones.

Protect your newborn from the very start of the 16th day of birth from any medical complications with in-hospitalization charges covered.

This plan comes with an array of USPs like Automatic Restoration at 300% of sum insured, repatriation of mortal remains, compassionate travel, emergency domestic medical evacuation, organ donor expenses, recharge benefit, sum insured for road traffic accidents, assisted reproduction treatment and more.

Mediclassic Health Insurance Plan

The Mediclassic Health Insurance Plan provides a plethora of benefits for individuals. With this feature-packed health insurance plan, anyone from 16 days to 65 years can be covered with no capping on age for renewals after 65 years.

Arogya Sanjeevani Health Insurance Plan

Arogya Sanjeevani means wellness forever, something we want for ourselves and everyone around us. This wholesome health insurance plan mandated by IRDAI allows higher penetration of health insurance including self, spouse, dependent children and parents up to 65 years of age, of course with a lifelong renewal option.

If purchasing affordable health insurance covering the basics is on your wish list, the Arogya Sanjeevani Policy is a great choice for the rural population offering a 20% discount. Preserve the tight-knit bonds of families in sickness and health with coverage up to 10 lakhs for in-patient hospitalisation, daycare procedures, COVID-19 treatment, AYUSH treatment and more.

Outpatient Care Insurance Policy

It’s better to solve a problem in the beginning than it becomes much bigger. Consulting a doctor to resolve a problem, outpatient consultations and treatments are the most crucial in the general maintenance of our health. Outpatient treatments cannot be avoided and will be on top priority to feel good. Imagine the money you could save on that consultation with your dentist for a root canal, or the times you have visited an eye clinic.

The Outpatient Care Insurance Policy covers outpatient treatment expenses like consultant fees, pharmacy bills, payments for X-rays, investigations and diagnostics physiotherapy, the so-called out-of-pocket expenses that may not be covered in your standard health plan.

This health policy is available in three variants – Silver, Gold and Platinum. It is an industry-specific health insurance plan exclusively covering OP consultations. Reap the benefits of premiums discounted up to 25% post 2 claim-free years.

Hospital Cash Health Insurance Plan

When it comes to treating a loved one, even the little things matter. Star Hospital Cash Health Insurance Plan is designed to take care of every little expense you incur during your hospitalisation.
The Hospital Cash Health Insurance Plan provides daily hospital cash when you are confined in the hospital.

The Policy can be a supplement or add-on to all the medical plans offered by Star Health. You can avail of cash-in-hand benefits of up to Rs. 5000 per day for the number of days chosen by you.

Young Star Health Insurance Plan

India is one of the countries with the youngest population globally. India’s millennials are a valuable asset to the economic growth of the country. Hence, the youth of the nation should be filled with vibrancy and energy. Capitalize on the most vibrant years of your life with the help of the Young Star Health Insurance Plan. The plan is specially designed for young adults below 40 who envision a healthy life for themselves and their families.

The plan offers a wide range of benefits ranging from incentive-led wellness programs, the lowest waiting periods, coverage of pre- and post-hospitalisation expenses, no-claim bonus, annual check-ups, automatic restoration of the sum insured and additional basic sum insured for road traffic accidents.

Star Micro Rural and Farmers Care Health Insurance Plan

Access to good health and hospitals must be available to all. In the case of the Star Micro Rural and Farmers Care Health Insurance Plan, it does not matter where you live or how much you earn. This health insurance plan is designed to safeguard the hands that feed us.

Get an individual health insurance plan for a sum insured of Rs. 1 lakh and a family floater plan for Rs. 2 lakh, respectively. Get coverage on room rent, consultant fees, ICU charges, modern treatments and all daycare procedures

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