List of Diseases Covered Under Star Health Insurance Plans
Updated On Sep 04, 2023
Star Health and Allied Insurance Co Ltd, a leading health insurance company in India, has its headquarters in Tamil Nadu. With over 13,000 network hospitals, Star Health is renowned for offering effortless cashless claim settlement services. Moreover, with branches spread all over the country, it makes it easier for policyholders to visit their nearest Star Health branch and get their queries sorted. So, owing to all the services offered by Star Health, a number of customers now choose Star health insurance plans. Now, to help you, we have listed down the diseases that are covered under the Star Health Insurance plans.
Table of Contents
A List of Diseases Covered Under Star Health Insurance Plans
Listed below are some of the diseases that are covered under Star Health Insurance plans:
- Diabetes: Diabetes is one of the most common health problems that a lot of us are dealing with. It is a medical condition that results in increased blood sugar levels. Moreover, diabetes is categorised into type 1 and type 2, and most of the health insurance plans offered by Star Health provide coverage for this.
- Cancer: The Star Cancer Gold Care Plan is one which is specifically designed to provide financial compensation in case the policyholder is diagnosed with cancer. Cancer is mainly caused due to abnormal growth of body cells and is of different types.
- Covid-19: Almost all the health insurance plans offered by Star Health provide coverage for the treatment of Covid-19. This includes both pre and post hospitalisation expenses.
- Cardiac diseases: There are different plans offered by Star Health Insurance such as Star Criticare Plus, Star Cardiac Care that provides coverage for different kinds of heart-related problems. Some of the heart problems that are covered include stroke, heart attack, etc.
- Cataract: Cataract is one of the most common kinds of eye disease that may often lead to blindness, thus it is important to get coverage for this. A number of health insurance plans offered by Star Health provides coverage for cataract.
- Brain Tumour: The Star Criticare provides coverage for a brain tumour. Brain tumour is a medical condition when there is abnormal growth of brain cells.
- Autism Spectrum Disorder: Autism Spectrum Disorder is a medical condition which affects the verbal and non-verbal functioning of an individual. The Star Special Care policy offered by Star Health provides coverage for autism spectrum disorder.
In addition to those listed above, there are a number of other diseases that are also covered under Star health insurance plans such as psychiatric and psychosomatic disorder, cerebrovascular stroke, chronic kidney diseases, and others.
Popular Health Insurance Plans Offered by Star Health Insurance
Listed below are the popular health insurance plans offered by Star Health Insurance:
- Star Health Family Optima Insurance
- Star Cardiac Care Insurance
- Star Cancer Care Gold
- Star Health Gain Insurance
- Star Diabetes Safe Insurance
- Star Novel Coronavirus Insurance
To buy any of these health insurance plans, you can easily go to the official website of Star Health and Allied Insurance Co Ltd, select a desired plan, pay for the premium and finally buy the plan.
Benefits of Star Health Insurance
- Cashless Facility: Access to 14,000+ network hospitals nationwide.
- In-house Claim Settlement: Managed by qualified doctors, available 365 days a year.
- No Mandatory Medical Screenings: Most policies do away with the need for pre-insurance medical checks.
- Tax Benefits: Save up to Rs 1 lakh on your taxable income.
- Flexible Coverage: Offers protection both for individuals and on a family floater basis.
- Generous Coverage Limit: Policies offer a sum insured of up to two crores.
- Customer-Centric Approach: Policies designed with the customer's needs at the forefront.
- Quick Claim Process: Hassle-free claims settled in under two hours.
Take Away
Thus, It is recommended to take a health insurance policy that covers you for most diseases so that you are protected in most cases. But before buying a policy, you must assess various factors such as your requirements, add-on covers, premium of a policy, and family medical history, so that you know which illness you are more prone to and can buy a policy accordingly.
FAQs
Q. What is health insurance?
A. It is a type of insurance that pays for medical expenses incurred by the insured. Depending on the type of health insurance, either the insured pays out of pocket and is then reimbursed, or the insurer directly pays the provider. Health insurance can also offer protection against a range of potential health-related costs, from routine check-ups to emergency medical services and long-term care.
Q. Why do I need health insurance?
A. Having health insurance is beneficial for several reasons:
- Financial Protection: Medical treatments can be expensive. Insurance protects you from high unexpected costs, helping you manage financial risks.
- Access to Care: Insured individuals often have better access to a broad range of services, ensuring timely and quality care.
- Preventive Services: Many insurance plans cover preventive services at no additional cost, encouraging early detection and prevention of potential health issues.
- Peace of Mind: Knowing you're covered can provide peace of mind, as you don't have to worry about how to pay for unexpected medical expenses.
Q. How do I choose the correct health insurance plan?
A. Selecting the right plan involves considering:
- Needs Assessment: Analyse your health needs and risks. Do you need a plan with maternity or mental health coverage?
- Coverage: Review what services are covered, such as hospitalisation, prescriptions, or specialist visits.
- Cost: Look at premiums, deductibles, copayments, and out-of-pocket maximums.
- Network: Ensure your preferred healthcare providers and facilities are in-network.
Limitations and Exclusions: Some plans may not cover specific treatments or have waiting periods for pre-existing conditions.
Q. What is a deductible?
A. It is the amount of money you must pay out of pocket for covered health services before your insurance plan begins to pay. For instance, if your deductible is 1,000, your plan won't pay anything until you've met that 1,000 threshold. However, not all services require the deductible to be met first; preventive services might be covered before reaching it.
Q. What's the difference between HMO, PPO, and EPO plans?
- HMO (Health Maintenance Organisation): Requires members to select a primary care physician (PCP). Referrals from the PCP are typically needed to see specialists. Services outside the HMO's network usually aren't covered unless it's an emergency.
- PPO (Preferred Provider Organisation): Offers more flexibility in choosing healthcare providers. You don't need a referral to see specialists. Out-of-network services are covered but often at a higher out-of-pocket cost.
- EPO (Exclusive Provider Organisation): Similar to PPO but generally doesn't cover care outside its network, except in emergencies.
Q. What is a premium, and how is it determined?
A. A premium is the amount you pay for your health insurance, usually monthly, quarterly, or annually. It's separate from other out-of-pocket costs like deductibles, copayments, or coinsurance. Several factors determine the premium amount:
- Plan Type: Comprehensive plans with more benefits generally have higher premiums.
Age: Older individuals often pay higher premiums since they may be at a higher risk for health issues. - Location: Healthcare costs vary by region, impacting the premium.
- Tobacco Use: Some insurers charge more for tobacco users due to associated health risks.
- Number of Enrollees: Whether you have individual coverage or a family plan will affect the total premium.
- Insurance Company's Costs: If an insurer's costs rise due to high claims in the previous year, they might increase premiums to cover those costs.
Also Read: Things You Didn’t Know Health Insurance Covers
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
