Are You Aware of Star Health Insurance Benefits? Read to Know
Updated On Oct 29, 2020
Star Health and Allied Insurance Co Ltd. ranks among leading health insurance providers in India. It provides an array of health insurance products at pocket-friendly rates. Be it individual health insurance, family health insurance, critical illness plans, group health insurance or senior citizen policies, Star Health offers health insurance of many types. Not only this, the insurer has special plans for cancer, diabetic and autistic children.
Coverage Benefits of Star Health Insurance Policies
When you buy a Star Health Insurance Policy, you’re provided with extensive coverage options. However, the cover under a policy can differ from another Star Health policy. So before finalising a policy, get complete information about it.
Here are some of the common benefits:
- Cover for the expenses incurred 30 days prior and 60 days post the hospitalization
- Cover for inpatient treatment such as room rent, nursing costs, boarding expenses, etc.
- Cover for road ambulance, ICU, operation theatre, and fees of the specialist, surgeon, anaesthetist, etc.
- Cover for daycare procedures and organ donor expenses (subjected to policy terms and conditions)
- Cover for alternative treatment like Ayurvedic, Unani, Siddha, and Homeopathic under some policies
- Cover for domiciliary hospitalization if required
Together with these benefits, the health insurance policies of Star Health also offer many Add-on/Optional benefits, such as:
- Outpatient Dental Care
- Maternity Cover
- Co-payment Benefit
- Critical Illness Benefit
It’s important to note that the optional benefits vary from plan to plan. So, make sure you are aware of them before deciding any policy. To avail optional benefits, you need to pay an additional premium.
Why Buy Star Health Insurance Policies?
Besides basic medical cover mentioned above, you can get a handful of other benefits such as tax benefits, cashless treatment, easy claim process, lifetime renewal of the policy, premium discounts, no claim bonus (NCB) and much more. Below are key highlights of Star Health Insurance:
- Availability of yearly or multi-year health insurance policies
- Options of individual health insurance and family health plans
- Compensation on medical health check-ups after consecutive 4 claim-free years
- Cashless treatment facility in more than 9,000 network hospitals
- An option of earning a cumulative bonus for not raising any claim
- Hassle-free claim settlement process with minimal documents
- No co-pay option for applicants below 60 years of age
- 20% of co-payment applicable to the insured above 60 years of age
- Tax benefits under section 80D within the taxable limits
- Lifetime renewability of insurance policies
Besides all these, Star Heath provides you with a premium calculator that enables policy buyers to calculate the premium of a particular health insurance policy. With this feature, you are able to know the premium of the plan before buying it.
Health Insurance Policies of Star Health
Star Health Insurance Company offers a range of health insurance products. Get brief information about them and choose one that is suitable for you.
Star Comprehensive - This policy comes up with no capping on room rent and treatment. It covers complicated surgeries. Read more.
Family Health Optima - It covers you and your family. Major coverage includes newborn baby cover, domiciliary hospitalization cover. Read more.
Star Senior Citizens Red Carpet: This plan is suitable for people above 60 and requires no pre-medical test. It also covers pre-existing diseases. Read more.
Star Health Gain - This plan covers self and family with spouse, children. Read more.
Star Super Surplus - The perfect top-up plan to enjoy additional coverage at a small amount of extra premium. Silver and Gold are the two variants of this plan. Read more.
Star MediClassic - Unique in benefit, this plan covers HIV positive people. However, the CD4 count should be above 350 at the time of policy purchase. Read more.
Cancer Care Gold - This is a boon for the people suffering from cancer. There is lump sum cover of 50% of the sum insured for metastasis, recurrence, and/or second malignancy unrelated to first cancer. Read more.
Diabetes Safe - Like its name, the policy covers diabetic patients with Type 1 and Type 2 diabetes. Read more.
Cardiac Care - It’s a specialized health insurance plan that covers cardiac disease. It is available in two plan options, Gold and Silver. Read more.
Star Special Care - An indemnity-oriented health insurance policy, Star Special Care provides coverage for children with autistic disorders. Read more.
Star Care Micro Insurance - This policy is best suited for the people in Tier I and Tier II cities. Available on individual and family floater basis, the policy covers self, spouse and dependent children. Read more.
Star Net Plus - This policy has been specifically designed for HIV people i.e. those diagnosed with AIDS. Read more.
Star Criticare Plus - This policy of Star Insurance covers 9 specified critical illnesses. You’ll get the sum insured amount on being diagnosed with any of these diseases. Read more.
Star Family Delite - An affordable family floater health plan, Star Family Delite offers protection for the entire family members under a single sum insured. Read more.
Also Read
It's Time You Start Taking Health Insurance Seriously!
Benefits of Health Insurance Policy in India
Final Words
Amid high expensive medical costs, hospital expenses can burn a big hole in your pocket. You may have to break your savings or borrow money from others. The situation turns worse when the earning member of a family is hospitalised. That’s why a health insurance policy by Star Health is a must buy. With the policy in hand, you can get cashless treatment during emergency or get reimbursed for the expenses incurred during the treatment.
So, pick any one of the above health insurance policies from Star Health and keep medical expenses at bay.
