Star Health Insurance Benefits

A few of the features offered by Star Health Insurance are given below:-[1]

• Wellness Program:- Star Health Insurance provides a wellness program to its policyholders. This program helps a customer stay healthy and have a better lifestyle. Taking part in this program and staying healthy will help the policyholders gain bonuses and discounts on their renewal premiums.
• Talk To Star:- Star Health Insurance also provides access to their policyholders for doctors consultations and second opinions via text messages, video calls, or phone calls.

Note: InsuranceDekho guides you through any difficulties while connecting with the health care providers.

• COVID-19 Helpline:- Star Health Insurance also gives their policyholder the benefit of the COVID-19 helpline where you can get any of your concerns or consultations related to COVID-19 sorted by doctors through phone calls, video calls, or text messages.
• Diagnostic Centers:- Star Health Insurance provides access to over 1,600 diagnostic centers to their policyholders that collect lab samples and also do health check-ups in-house. This makes the recovery of a policyholder easier and more relaxed.
• E-pharmacy:- Ordering medicines online at a discounted price is another benefit provided by Star Health Insurance to their policyholders. Store pick-ups are also offered by these pharmacies. This benefit is available across 2,780 cities in India.

A few of the benefits of purchasing Star Health Insurance Policy are:-[1]

• Medical Tests:- No pre-medical check-ups are required for customers who buy health insurance at a young age. The age limits for this requirement to not apply to a customer are 18 years to 40 years of age. [3]
• Lower Premiums for people buying at Young Age:- The youth are healthy compared to the health of senior citizens or anyone above 45-50 years. The customers have the advantage of paying lower premiums if they are healthy and young.
• Tax Benefits:- The benefits on Tax are another benefit under Star Health Insurance. If the premiums are paid then a deduction on the customers of Tax is available. There is also another benefit where the customer has a tax deduction which is if he gets the health check-ups included in their plans.
• Critical Illness:- Star Health Insurance also provides coverage for 35+ critical illnesses. These critical illnesses are divided into 4 groups. Those 4 groups are Critical illness policy, policy for diabetes, policy for cancer, and policy for cardiac ailments. These medical treatments cost a lot and Star Health providing coverage on them lessens the burden on a policyholder further.
• No Claim Bonus:- A policyholder has the benefit of a no-claim bonus every year where no claims are made. This will enhance the sum insured which will benefit the policyholder in later years where he might need medical coverage.
• Dental Coverage:- Star Health Insurance also offers dental coverage in its outpatient plans. Plans such as Star Outpatient Care Policy and Star Comprehensive Insurance Plan cover Dental treatments of their policyholder.

Q1. Does Star Health Insurance offer coverage for pre-existing diseases?

Ans:- Yes, star Health Insurance offers coverage on pre-existing diseases after a waiting period of 12 months.

Q2. Can cashless claims be made with Star Health Insurance?

Ans:- Yes, cashless claims in the network hospitals of Star Health Insurance can be made. Star Health settles 89.9% of cashless claims within 2 hours.

Q3. Does Star Health Insurance give the benefit of adding riders and add-ons to the existing policy?

Ans:- Yes, Star Health Insurance has the benefit of Star Extra Protect which can be added to your existing policy to enhance it with more benefits and coverage.

Q4. Is organ donation covered by Star Health Insurance?

Ans:- Yes, Organ donation expenses are covered by Star Health Insurance. However, the organ transplantation from the donor to the recipient insured is payable.

Q5. Does Star Health offer dental coverage?

Ans:- Yes, Star Health Insurance offers dental coverage under 2 of their plans. The plans that cover this benefit are Star Outpatient Care Insurance Policy and Star Comprehensive Insurance Plan.