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Star Family Delite Health Insurance

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Star Health Insurance
Family Delite
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Family Delite Health Insurance

With Family Delite, Star Health Health Insurance brings a plan that offers optimal medical facilities for a complete family at affordable costs. The family floater plan which covers spouse and kids other than the proposer denotes that paying a single amount can make your family safer. The policy provides coverage for people who fall between the age group of 5 months and 65 years with lifelong renewability benefits.

To get coverage under the medical insurance plan is simple, but people above 50 years of age are required to go through a medical examination at the nominated centres of the insurance firm, and the cost is borne by the insurance firm itself. The plan is equipped with the sum insured of maximum Rs. 3 Lakh to insure families for specified diseases. The list of coverage under this plan doesn’t stop here, but it extends to several benefits as well. In-patient hospitalisation, pre and post hospitalisation, cover for daycare procedures, ambulance charges, and many other benefits together make this plan a perfect fit for every family. The plan holds the common features as well that is available in any other insurance plan such as tax benefit, free look period, and so on.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre and post hospitalisation expenses
  • Specified daycare treatments are covered
  • Coverage available for ambulance expenses
  • Availability of cashless facility at 9300+ network hospitals across India
  • Inpatient hospitalisation treatment expenses

What's Not Included

  • Expenses incurred on non-allopathic treatment
  • Cost of wheelchair, hearing aids, contact lenses, etc.
  • Dental treatment unless due to accident
  • Expenses on Refractive Error Correction or Lasik  
  • Injury due to nuclear weapons/materials

9625 Star Cashless Network Hospitals in India

Family Delite User Reviews

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What users are saying
  • All
  • Learned about claim settlement...

    I had no clue about the significance of claim settlement ratios. When I came to InsuranceDekho, I saw the website gives it so much priority. To understand how it works, I read the details. It helped me to choose Star Health Insurance’s Family Delite plan for its higher claim settlement ratio.

    By Timir Singh
    On: Feb 22, 2021
  • Helps to make an informed deci...

    InsuranceDekho consists of profound information related to health insurance policies. Along with the standard ones, specific features of each plan are highlighted, which makes each plan coverage easy to comprehend. I am happy that I issued Star Health Insurance’s Family Delite plan.

    By Purnima Chatterjee
    On: Feb 16, 2021
  • Claim settlement assistance

    I landed on InsuranceDekho and made a claim under Star Health Insurance’s Family Delite plan. I read all the instructions beforehand and just followed it step by step. I uploaded the documents online and the claim got settled immediately.

    By Prashanta Nath
    On: Feb 12, 2021
  • Information on claim settlemen...

    Higher claim settlement ratios refer to the trustworthiness of an insurance company. This is why InsuranceDekho highlights this feature of every insurance company. Taking into account the higher claim settlement ratio, I chose Star Health Insurance’s Family Delite plan.

    By Rishita Ghosh
    On: Feb 08, 2021
  • Compare before purchasing

    At the time of purchasing a policy, besides reading the policy-related documents, it is also vital to me that I compare the policies to get the best deal. I am grateful to InsuranceDekho for making it possible. I compared available policies and found Star Health Insurance’s Family Delite plan.

    By Hrishika Bakshi
    On: Feb 02, 2021

Star Family Delite Expert Review

  • Expert Review

    Buying health insurance plans for the family is a tough choice. The proposer has to look for different and distinguished elements before opting one. However, finding a plan like Star Health Family Delite Plan that offers an optimal health protection cover available at an optimal cost is the perfect end for this search. The plan is widely appreciated for delivering a wide array of benefits at reasonable rates. With 9300+ network hospitals across India, the plan can bring easy relief for a family anywhere in the country. Families can choose this plan based on affordability and diversity of offerings.
    The policy offers its coverage from the age of 5 months and extends it to 65 years. The plan doesn’t own any exit age but provides lifelong renewability. However, this policy is available on a family floater basis, where family indicates self, spouse and dependent kids. The plan holds the sum insured amount of Rs. 2 Lakh and Rs. 3 Lakh and comes with a 30-day waiting period for illnesses in the first year of commencement of the plan. Also, a 24 month waiting period is applicable for specified illnesses, treatments and conditions, while the 48 month period is applicable for pre-existing conditions and diseases.  

  • Major Attractions

    Some features of a health insurance plan bring it into the limelight. They don’t just increase the value of the plan but enhance its sale as well. When it comes to significant features available under the Star Health Family Delite Plan, there lies a long list under the plan. By selecting this plan, the policyholders can expose themselves with a variety of benefits comprising of in-patient hospitalisation, pre and post-hospitalisation costs, daycare treatment and procedures, and several other medical expenses. This health insurance plan can easily be regarded as a comprehensive and perfect package for a family. Here are a few benefits that make this plan appealing:

    • Cashless hospitalisation facility is available
    • Sum insured is given on family floater basis
    • Ambulance charges for emergency hospitalisation
    • Coverage offered for specified daycare procedures
    • Cover for pre-hospitalisation and post hospitalisation
    • Coverage offered for in-patient hospitalisation expenses
    • Network of more than 9300+ hospitals across the nation
    • Specified diseases are covered up to the specified limits


  • What’s More?

    The merits of the plan don’t end here. The plan is offered on a family floater basis and owns several other offerings which gift additional advantages to the customers. These extra benefits make the insured members get more comfort in utilising the plan. The plan is an easy and right option for every family. The added benefits of the plan are as follows:

    • Availability of lifelong renewability option 
    • A free look period of 15 days is provided for reviewing the policy
    • No Third Party Administrator, direct in-house claim settlement
    • Premium is eligible for tax relief under Section 80D of the IT Act
    • No pre-acceptance medical screening is required until the age of 50 years
  • Conclusion

    These many benefits together can prove this plan value for money product. The plan tries to deliver the coverage for common medical treatments that can safeguard a family. However, one can observe the absence of a few features too, but its reasonable price makes it acceptable by every family. Hence, it can be considered good to go plan for every family.  
    Getting it is also simple, and it can be ordered directly from the website of Star Health Insurance. InsuranceDekho, an insurance broker, can also help policyholders in buying the plan. The broker firm can help customers in answering their queries and assisting them in opting for the perfect plan. 

Star Family Delite Brochure

  • 1.15 MB
  • PDF Document
  • Sep 02, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Family Delite Health Insurance Plan

  • What is the entry age to get covered under the Star Health Family Delite Plan?

    Entry age to get covered under the plan is between 18 years and 65 years. Dependent kids can also find coverage from the age of 5 months to 25 years. However, there exist no exit age under the plan.

  • What are the relations that can get covered under this health insurance plan?

    Relationships that can be covered under the plan comprise of self, spouse, and kids.

  • How many network hospitals offer cashless hospitalisation for this plan?

    There are 9300+ hospitals across India that provides the cashless facility for Family Delite Plan.

  • What is the waiting period applicable for pre-existing illnesses under this health insurance plan?

    The pre-existing diseases are covered after 48 months of continuous insurance coverage with the plan of Star Health Insurance. 

  • Does Star Health Family Delite Plan offer any free look period?

    Yes, A 15 day free look period from the date of receipt of the policy is offered for reviewing the terms and conditions of the health insurance plan. If an insured person is not comfortable and satisfied with the plan, he can request the cancellation of the policy. However, in such condition, the firm will refund some amount of premium after adjusting the cost of medical examination for pre-acceptance, stamp duty costs and proportionate risk premium for the concerned period, provided no claim has been requested until the cancellation. Free look cancellation isn't applicable during the time of renewal.

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