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Star Health Insurance for Individual

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Highlights
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

Health Insurance Calculator

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Star Health Insurance : Health Insurance for Individual

Mediclassic Insurance Policy is a health insurance plan by Star Health that provides reimbursement for hospitalisation expenses arising due to illness/sickness/disease and/or accidental injuries. Coming with extensive medical coverage for policyholders such as pre and post-hospitalization, room rent charges, nursing expenses, fees for surgeons/doctors, consultants, this Star Health Insurance Plans for Individuals keeps you secured in case of financial emergencies.

Key Features of Mediclassic Insurance Policy Individual

  • Sum insured options ranging from Rs. 1.5 Lakh to Rs. 15 Lakh
  • Lifetime renewability guaranteed
  • NCB of 5% for every claim-free year for up to 25%
  • Automatic restoration of the entire sum insured for up to 200%
  • Discounts of 5% if the premium for 2 years is paid in advance
  • Co-payment for insured persons beyond 60 years of age at entry level
  • Facility to maintain personal health records in electronic format
  • This policy can be bought by an HIV positive person

Scope of Coverage Under Mediclassic Insurance Policy

  • Emergency ambulance expenses
  • 30 days pre-hospitalisation cover
  • 60 days-post-hospitalisation cover
  • 101-daycare procedures
  • Non-allopathic treatments
  • Hospital cash and patient care cover (optional)
  • In-patient hospitalisation for at least 24 hours
  • Health check-up costs for up to Rs. 5,000 for every 4 claim-free years

Medi Classic Insurance Policy Eligibility

Any resident of India who is aged between 5 months to 65 years can be covered under this policy

Exclusions Under Star Health Insurance Plans for Individual

  • Pre-existing diseases are not included in the plan until 48 consecutive months of policy coverage
  • Any disease contracted in the initial 30 days from the date of inception of the policy
  • Use of intoxicating substances including alcohol, drugs, tobacco chewing, smoking, etc.
  • Any disease or injury that is directly or indirectly caused due to war, an act of a foreign enemy, invasion, etc.
  • Dental treatment or surgery is not included until is necessitated due to accidental injuries demanding hospitalisation

Read the policy wording to know more about the product, or contact customer care executives at InsuranceDekho on 1800 1205 698.

Health Insurance Coverage Calculator

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  • Individual
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Disclaimer : Actual Coverage might vary basis your location, age and number of members
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Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
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  • 50 Lacs+ happy customers

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Star Health Insurance Contact Details

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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.

2658 Star Cashless Network Hospitals in India

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FAQ About Star Health Insurance

  • Does Star Health offer health insurance plans for individuals?

    Yes, Star Health has health insurance plans especially designed for individuals. 

  • What all are the plans that Star Health provides for individuals?

    Some of the health insurance plans offered by Star Health for individuals are-Star Health Gain Insurance Policy and Medi-Classic insurance Policy. 

  • What are the sum insured options for health insurance plans for individuals provided by Star Health?

    Star Health provides individual health insurance for sum insured options ranging from Rs. 1 Lakh to Rs. 15 Lakh.

  • Do these health insurance plans provide restoration benefit?

    Yes, automatic restoration benefit is provided by Star Health under almost all such policies by up to 200%. 

  • How much premium is to be paid for individual health insurance plans under Star Health?

    The premium for individual health insurance plans starts from Rs. 2,510 for the lowest sum insured option of Rs. 1 Lakh for an individual aged between 5 months to 35 years. The premium varies on the basis of various factors such as zone, age, location, policy renewal, etc. and can be as high as Rs. 1,97,677.   

Network Hospital in Popular Cities

CityNo of Hospital
Ghaziabad40
Indore55
Ahmedabad230
Pune223
New Delhi178
Jaipur89
Lucknow75
View All