Star Health Insurance || Star Health Insurance Renewal

Star Health Insurance is India’s first standalone health insurance company , its operations spread very quickly in 2006 .

Star Health and Allied Insurance Company Limited specialize in providing health insurance at a low cost to its customers, especially for health insurance, overseas Mediclaim policy, and personal accident.

The insurer has more than 8800 hospitals, which provide cashless payment facilities, with more than 340 branches worldwide.

Star Health is extremely popular compared to other company’s plans through its relatively inexpensive health insurance plans.

Star Health Insurance offers excellent plans that provide extended coverage to all medical costs of individuals , families , children , senior citizens and parents.

Hospitalization, health screenings, medical tests, ambulance, a second opinion from a specialist, the treatment of serious disease, treatment at home, organ transplants, Ayurvedic treatment, diabetes cover, all expenses, etc. are included in the majority of duly star.

Health Insurance Scheme.

Table of Contents

Highlights of Star Health Insurance

Number of networked hospitals	8800+
Waiting period for pre-existing diseases	4 years
Portability	Yes
Issued policies	3089558
Renewability of policy	Life span
concession	available
NCB Bonus	5% -100%
Tpa investment	No
Resolved complaints	98.96%
Free look period	15 days
Grace	30 days
Claim Settlement Ratio ( 2017-18)	61.76%

Why Buy Star Health Insurance ?

Estimated Claim Ratio:

The estimated claim ratio of

a company determines the percentage of claims accepted and paid. The ratio should be between 60% to 100% as directed by IRDA. When we talk about the incomplete claim settlement ratio of Star Health Insurance, it is 60.4%.

Customer Satisfaction Ratio:

The customer plays an integral role in the growth of the company, due to which prioritizing them is of prime importance. On the other hand, Star Health Insurance, with an army of satisfied customers, has paid Rs 2552.30 crore for the claim settlement. In addition, 90% of cashless claims are attended to and cleared within 2- hour intervals.

Quick & Smooth Claim Service:

Star Health has set an excellent record of claim settlement where it settled 6,34,692 claims very smoothly and without any hurdles for the current financial year. This shows how fast Star Health Insurance Customer Care is engaged in providing solutions and thus ensures customer satisfaction.

Award Title Earned:

Health Insurance Provider of the Year – Silver Award, by Business Today, Health Insurance Company of the Year Finteleket, Best Health Insurance Provider of the Year 2018-19, starting with the current list of awards received by Star Health in the Health Insurance category. 2017 and many more to roll down.

Cashless treatment facility:

the insured after being admitted to the hospital for which you get from an accident or illness, there is an urgent medical need, this feature is activated. Star Health Insurance fully bears all hospitalization expenses.

8,800+ networked hospitals across India :

Star Health has the largest network of hospitals unlike other health insurance players in the market. A policyholder can avail benefit from any of the nearest local hospitals for any illness, or accident with the permission of Star Health Insurance.

Lifetime Renewal:

The policyholder is provided with the option to carry all the benefits earned in the previous policy year as well as renew the existing policy. Star Health Insurance allows you to renew the policy online with convenience and little effort.

Special Coverage for Parents and Children:

The Health Insurance Plan launched by Star Health brings a full-coverage plan specifically for seniors or parents and children covering their related illnesses and medical expenses.

Discount on renewals and awards:

When a policyholder’s application for renewal passage of one or two third policy in accordance with the policy term, you will get discounts or bonuses.

Online Facility:

Star Health Insurance promotes the use of electronic forms to facilitate customers and enhance the customer experience in claim settlement.

Where is this feature useful?

Use this feature claims process and can be used to raise a question about the benefits gained in the policy, the status of the claim, to submit claims online, upgrade policies, online filling the form, expert advice, and more.

Types of Star Health Insurance Plans

Star Health Insurance offers a wide range of plans for families as well as individuals.

Some plans have a wide range of insurance amounts like Senior Citizen Red Carpet , Family Health Optima ( Rs 3 lakh to Rs 25 lakh) etc.

While the insurance amount available under some plans is limited to a fixed amount, which is Rs 1 lakh for Star Care Micro and Rs 3 lakh for Star Special Care.

List of plans by Star Health Insurance:

Star Comprehensive Insurance Policy

The most popular is the health insurance plan launched by Star Health, which is the most preferred choice of customers due to the high volume of coverage with affordable premium rates.

Is Medical Benefit given ?

Room charges, boarding expenses, nursing expenses with a maximum amount of Rs.5,000 / – per day for 3/4 lakh of the sum insured and more than 5 lakhs of the sum insured in a single private A / C room.
Costs incurred through the lifting of services by surgeons, anesthetists, medical practitioners, consultants.
Use of medical facilities such as anesthesia, blood, oxygen, operation theater charges, pacemakers, medicine, and drugs, etc.
Ambulance service if the insured needs immediate transport to the nearest hospital. A maximum of Rs 750 is given per hospital.
Pre and post-hospitalization expenses, for which the insured spends a considerable amount of money, are covered to a certain extent.
Air ambulance facility available at the chosen insurance amount and up to 10% of the insurance amount can be used.
Ayush treatment Second Medical Opinion for Insured Persons who are unsure of the diagnosis results of a particular disease and wish to seek professional advice to clarify doubts.
Donor expense for organ transplant where the insured is equipped with the organ and 10% of the insurance amount can be used for organ extraction from the donor’s body.
Treatment is done at home only for more than 3 days upon hospitalization.
Assisted reproductive treatment

Minimum Entry Age	For children 5 years and 91 days
Maximum Entry Age	65 years
Insurance amount	3 Lakhs to 50 Lakhs
Number members can be included	Under Individuals Policy: One member under family floater: 6 members
Premium payment term	One year
Methods of premium payment	Yearly / monthly

Family Health Optima Insurance Plan

Star Family Health Optima Plan which caters to the health needs of individuals and family through compensation of medical expenses arising out of surgery/treatment / diagnostic tests, health checkups, etc.

What are the medical costs and benefits involved ?

The automatic refill of insurance amount if the insured has consumed the entire amount of the insurance amount through continuous claims. The refill can be increased up to 3 times each time up to 100%.
Additional Sum Insured for Road Traffic Accident ( RTA) which causes debris in body parts and insured is admitted to hospital. A maximum of Rs 5 lakh is allowed from the insurance amount.
An illness or accident requires immediate treatment in a hospital under the regulation of a medical doctor in a patient hospital with major expenses being anesthesia, blood, anesthetic, medical practitioner, consultant and specialist fees, surgeon fees, oxygen, operation theater fees, Pharmaceuticals are included.
Air ambulance cover is a transport service equipped with all medical facilities and is offered if there is no availability near the hospital. The insured can claim up to 10% of the basic insurance amount per year and Rs. May apply to 5 Lakhs of Sum Insured.
Pre-post-hospitalization expenses are given fixed limits and fixed days as indicated in the terms and conditions of the policy.
Infant expenses such as daily nutrition, immunization, medication, etc., insurance amount of 50,000 or 10% are covered by, and take cover birth 16 will start Day.
Emergency home medical evacuation is a facility that helps in transporting the insured from the hospital where the treatment is currently taken to the hospital, which is recommended by the medical professional.
Return of mortal remains where Rs.5,000 is given to the insured person’s house at a cost of Rs.200 per head in respect of his insurance and distribution. The cost will include the cost of embalming, coffin charges, etc.
During an emergency, the insured can avail of treatment benefits in the health hospitals preferred by the Star Network. There will be a lump sum payment of 1% of the sum assured, where the amount should not exceed Rs 5,000 per year.
Shared accommodation for any type of treatment during inpatient hospitalization.
Donor expense for an organ transplant as advised by a medical specialist to the insured person.
The cost of health insurance is covered for a maximum insurance amount up to a maximum of Rs 3,500. The cost of a health check-up is normal for every person and it can happen more than once a year.
The maximum amount paid for assisted reproductive treatment and sub-deformity cases is Rs 1 lakh for the sum assured of Rs 5 lakh and Rs 2 lakh for the insurance amount of Rs 10 lakh or more.
Ayush treatment where treatment is related to Ayurveda, Unani, Siddha, and Homeopathy. The organization is governed by the treatment, the Quality Council of India / National Akreediasn board must be licensed under on health.
Treatment is done at home if there is a lack of a bed or the medical condition of the insured is weak.
No medical examination is required for a policyholder under 50 years before purchasing the policy.

Minimum Entry Age	18 years
Maximum Entry Age	65 years
Insurance amount	3/4/5/10 Lakhs
Number of members can be included	Under Individuals Policy: One member under family floater: 6 members
Premium payment term	One year
Methods of premium payment	Yearly / monthly

Medi Classic Insurance Policy (Individual)

This plan helps to fix the health related issues of individuals and family members at a cheaper cost. The intention behind this plan is to maintain your savings by providing timely coverage during emergency treatment of any disease or accidents.

What are the medical costs and benefits involved ?

All expenses incurred in inpatient hospitalization are duly paid to inform the company of the same. 1% of the insurance amount will be given on the occurrence of any of the expenses like pharmacy bill, consultation fee, surgeon fee, doctor’s fee, blood, room service fee , nursing , operation theater cost etc.

Emergency ambulance facility for up to Rs 1500 per policy term in each hospital .

Non-allopathic treatment where the insured is selected to have 25% of the insurance amount and the hospital from where the treatment is taken should be under regulation by the government.

Restoration of insurance up to 200% of the sum assured along with all benefits has been used towards the claim settlement. For example, if you have opted for an insurance amount of Rs 5 lakh, which is fully paid with benefit, then 200% of Rs 5 lakh ie 10 lakh will be paid.

A cumulative bonus equal to 25% of the insurance amount is credited to the benefit pool of the Star Health Medi Classic plan. Bonus is given only if no claim is made by the insured in the policy year of the insurance policy.

101 daycare treatments that can be cured by a medical professional within 24 hours.

Coverage for family members of any age from 91 days of child up to 65 years of an adult. Parents can include their dependent child who does not earn until the age of 25 years.

Saves your annual tax payment on annual salary and provides relief on heavy tax payment.

Out-patient treatment in any of the network hospitals, and if this facility is not availed during the policy year, the remaining amount is carried forward on the subsequent renewal.

Minimum Entry Age	For children 18 years / 91 days
Maximum Entry Age	65 years / 25 years for dependent children
Insurance amount	1.5 / 2/3/4/5/10/15 Lakh
Number of members can be included	Policy under individuals: 1 member under family floater: maximum 4 members
Premium payment term	One year
Methods of premium payment	Yearly / monthly

Senior Citizen Red Carpet Health Insurance Policy

The Star Health Senior Citizen red carpet caters to seniors or parents who have retired and want to secure their lives from daily health expenses.

What are the medical costs and benefits involved ?

Lifetime renewal until the age of maturity.
All types of daycare procedures are covered without any long-term hospitalization.
Coverage entails the hospitalization of a patient who has been living for more than 24 hours for a particular disease listed by the company.
Coverage for pre-existing diseases that are present in the body of the insured before purchasing the policy.
Policyholder’s medical examination report as stress thallium report, sugar (blood and urine), creatinine, the premium on the blood urea and BP Report, etc. 10% is allowed, however, Star Health insurance is not mandatory. These medical tests.
Pre-hospital expenses due to illness for a period of 30 days prior to the insured hospitalization for treatment.
The cost of hospitalization after treatment of the disease and which is recommended by the doctor. The expenses accepted by Star Health Insurance are surgeon/consultant fees, medicines, nursing fees, and drug expenses, diagnostic fees. An amount ranging from Rs 5,000 to Rs 10,000 is given based on the total insurance amount for the chosen expenditure.
Emergency ambulance service in networked or non-networked hospitals will be provided to the insured for quick and comfortable arrival at the hospital for emergency treatment. Maximum coverage of Rs 3,000 is given in the policy term. The minimum policy term is Rs 1,200. Coverage will be according to the insurance amount chosen.
An insurance amount of 50% is guaranteed to pay the expenses, pacemaker costs, blood, oxygen, operation theater charges, anesthesia, etc.
25% of the insurance amount is provided towards payment of specialist fees, anesthetist, medical practitioner, consultant, and surgeon.
Out-patient counseling for doctor consultation for any minor illness in any networked hospitals where Rs 200 is given for each consultation. The policy per year per capita counseling limit will depend on the optimized amount and the type of cover chosen i.e. individual base policies and family floater policies.
Cost health check for an insurance amount of Rs 5 lakh or more. The coverage provided for the same will be between Rs 1,000 and Rs 2,500 per policy year depending on the individuals. For floater basis policies, the minimum and maximum coverage limit are Rs. 3,500 of 4,500 long, which exceeds the insured amount or 10 is equal to Rs million.

Minimum Entry Age	For children 18 years / 91 days
Maximum Entry Age	65 years / 25 years for dependent children
Insurance amount	1/2/3/4/5 / 7.5 / 10/15/20/25 Lakh
Number of members can be included	Policy under individuals: 1 member under family floater: maximum 4 members
Premium payment term	One year / two years / three years
Methods of premium payment	Yearly / monthly

Star Super Surplus (Floater) Insurance Policy

A star health plan that provides protection from many diseases while covering all your daily medical costs which can gradually eliminate your savings if you do not pay attention to time. Once you purchase the health insurance plan, you will save lots will feel anxious and tax payments and medical costs.

The Star Super Surplus is divided into two variants viz.

Rajat Scheme: Consultant’s fees, pre, and post-hospitalization, boarding and nursing expenses, pre-existing diseases, surgeon’s rooms, etc.
Gold plan: Silver plan plus delivery expenses, organ donor expenses, emergency ambulance charge, air ambulance, recharge benefits, medical second opinion, etc. cover all the medical costs mentioned. The details of the benefits of each Star Health Plan are given below. Section, please see for further consideration.

What are the medical costs and benefits involved ?

Benefits under Rajat Plan:

Room rent, boarding, nursing expenses up to a maximum of Rs. 4,000 per day in the inpatient hospital.
Anesthetist and specialist fees, surgeon fees, consultant fees for the same illness for which hospitalization is required.
Costs of pacemakers, blood, oxygen, operation theater fees, anesthesia, drugs, and other related expenses are covered and some percentage of the sum insured is devoted to the settlement mentioned in the policy schedule.
Medical expenses prior to hospitalization up to 30 days before going for treatment of a disease/disease patient.
After being hospitalized for 60 days after being admitted to the hospital are admitted.
Treatment of cataracts and diseases related to bones, cysts, thyroid diseases, ANT diseases, biliary diseases, hernias, diseases related to female sexual organs, eye chambers, etc. are covered under this Star Health Insurance plan and policyholder. Wait 24 months to get coverage.

Benefits under Gold Plan:

All the expenses mentioned above are duly covered and there are also some additional benefits that separate it from the Silver Plan.
Emergency ambulance charges are Rs 3000 per hospital to carry the insured patient.
The Air ambulance facility covers up to 10% of the insurance amount in each policy period, where the purchased insurance amount should be Rs 10 lakh and above.
Medical Secondary Opinions for specific diseases which are covered under the plan and which require the second consultation with a specialized professional doctor in the evaluation and treatment of that particular disease. Second opinion doctors should be selected from the company’s portal of medical practitioners.
Cesarean section delivery (including prenatal, postnatal expenses, and valid medical termination of pregnancy) and delivery costs up to Rs 50,000 are paid according to the policy term. There is a maximum of 2 deliveries.
Organ donation expenses may arise for organ transplants, with the insured reaping the benefits of the organ transplant and the costs incurred during the process of organ extraction and equipment in the insured body. In addition, keep in mind that donor screening expenses and post-donor complications are not included in the coverage.
Recharge of insurance amount for lost and fully consumed amount. The policy explained in the reinstatement table will be to a certain extent for the rest of the term. The insurance amount can be used for the same illness or different illness/accident during the policy term.
Waiver of deductors which will cut cost-sharing for payment of a fraction of the claim amount by the insured. It is applicable only after the completion of 6 policy years and the policyholder has to opt for it.

Minimum Entry Age	For children 18 years / 91 days
Maximum Entry Age	65 years / 25 years for dependent children
Insurance amount	For Silver Plan: Rs 7/10 Lakh For Gold Plan: Rs. 5/10/15/20/25 Lakh
Number members can be included	For silver plan family floater: 4 members For gold plan: 5 members
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star Health Gain Insurance Policy

A type of health insurance that caters to the health demands of families of different ages and different ages.

What are the medical costs and benefits involved ?

An ambulance is for Rs 750 per hospitalization and Rs 1500 per policy term.
Pre-hospitalization expenses that occur prior to actual hospitalization for any listed disease and up to 30 days after the end of the arrival date of hospital admission are covered.
Post-hospitalization expenditure cover is required for greater recovery of diseases for which the benefit of inpatient hospitalization is availed. This cover is valid for 60 days starting from the date of discharge.
The daycare spends for some illness requiring no more than 24 hours of doctor’s supervision. Some of the diseases mentioned under the plan are eye problems, gynecological operations, neurology-related diseases, oncology-related problems, skin operations, tongue operations, orthopedics surgery, etc.
Special coverage for the treatment of cataracts where there is a maximum limit of coverage amount according to the sum insured chosen.

Insurance amount	Coverage per policy term
1/2 lakh	Rs 12,000
Rs 3 lakh	Rs 35,000
4 lakh rupees	Rs 45,000
Rs 5 Lakh	Rs 60,000

Operation theater fee, anesthesia, anesthetist, medical practitioner, consultant, specialist fee, blood, oxygen, diagnostic materials, price of drugs, surgeon, pacemaker cost, drugs that determine the cost of hospitalization of the patient And are covered to a certain extent.
Expenses such as room rent charges, boarding, nursing expenses are covered and coverage equal to 1% of the insurance amount is given.
Covers the costs incurred to avail treatment benefits from a particular doctor from any network facility across India.

Minimum Entry Age	For children 18 years / 91 days
Maximum Entry Age	65 years / 25 years for dependent children
Insurance amount	1/2/3/4/5 Lakh Rs
Number members can be included	Under Family Floater Policy: Maximum 4 Members
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star Care Micro Insurance Policy

Micro Health Insurance which covers all your hospitalization expenses under the policy period, under an equal assured and a premium rate. The premium will vary according to the age of the members and insured members included in this Star Health Plan. This plan is applicable to both individual and family floater policies.

What are the medical costs and benefits involved ?

The insurance amount of one lakh rupees and the cost of the premium is highly affordable.
Hospitalization expenses up to 30 days before the insured person come to the network hospital for treatment of any disease/illnesses or accident.
Post-hospitalization up to 60 days applicable from the date of dispensation from the hospital of treatment. The insured will receive 7% of the hospitalization expenses (exclusive of room charges), but the total payment during the policy period should not exceed Rs 3,000. For the treatment hospitalization becomes inevitable, he 24 should be for a period of more than an hour.
405 daycare treatments are covered and settlement of treatment amount is allowed after the claim is made.
The cost of medicines and medicines recommended for the treatment of the disease.
Emergency ambulance fee for quick and easy transportation of the insured to the hospital for immediate medical assistance of a doctor. The insured will get Rs 500 per hospital, while a total limit of Rs 1000, which can be availed during the benefits policy period.
Cash will be paid for hospitalization in any government hospital and for a maximum period of 14 days. A cash amount of Rs 1000 is provided on a daily basis to the insured up to a specific limit.
High coverage for ICU up to Rs 2,000 per hospital and a maximum of Rs 10,000 for each policy term.
Boarding, room, nursing expenses as 0.75% of the sum insured purchased. Coverage is available in both private rooms or shared accommodation, as selected.
Costs of a pacemaker, blood, surgeon, consultant and specialist fees, anesthesia, anesthetist, oxygen, operation theater fee, medical practitioner, etc. are reimbursed in relation to the limits defined by the company.
Treatment for specific diseases including medical management of major illnesses Medical administration of any other disease, cataracts, serious injuries due to accidents, major surgeries, and other surgeries. Coverage ranging from 7,500 to 40,000 rupees is given in case of any disease.
No pre-policy medical examinations and policyholders may feel comfortable over costing various types of medical tests.
Pre-existing disease coverage where the insured has to comply with the waiting period as prepared by Star Health Insurance.

Minimum Entry Age	18 years
Maximum Entry Age	65 years
Insurance amount	3/4/5/10 Lakhs
Number members can be included	Individuals only
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star family delete insurance policy (available on family floater basis)

This plan is only available on a family floater basis where you can cover your spouse and dependent children under the coverage. The Star Parivar Delete is probably the best family health insurance plan aimed at taking care of the medical needs of different family sizes.

What are the medical costs and benefits involved ?

In case of emergency transfer to Network Hospital, ambulance charges are covered and which are paid according to certain limits.
Pre-hospitalization costs occur before admission to nearby hospitals and will be covered for 30 days. The insured is liable to properly show all expenses through signed documents and dates of events.
Post-hospitalization costs were paid by Star Health, which is 7% of gross hospitalization expenses excluding room rents. The maximum coverage limit appointed for payment of this cost is Rs 5000 and will be covered after 60 days of discharge of the insured.
Daycare procedures cover cardiovascular diseases/illnesses, cataracts, dental surgery, tonsillotomy, infectious diseases, radiotherapy, serious accidental injuries, joint replacements, etc.
Daycare paid coverage for the treatment 3 to insurance amounting to millions of rupees 4500 from Rs 125,000 would be Rs 2 for the insurance amount of Rs million, coverage range 3000 to Rs 110,000 is among the policy term Rs.
Such expenses:
- Blood, oxygen, pacemaker costs, anesthesia.
- Operation theater fee, ICU fee (up to 1.5% of insurance amount ).
- Drugs and medicines.
- Surgeon, consultant, anesthetist, and specialist fees.
- Boarding, room rent, nursing expenses 1% of the insurance amount is provided.
An insurance amount for the entire family, where you do not have to pay a higher premium to include each family member, as there will be a premium for all members.
Emergency ambulance facility for the evacuation of the insured in the hospital who may suffer an accidental injury or some minor/major illness. A maximum limit of Rs 1500 is reserved for this benefit from the sum insured where Rs 750 for each hospitalization Are given.

Minimum Entry Age	5 months (for children) and 18 years (for adults)
Maximum Entry Age	65 years and 25 years (for dependent child)
Insurance amount	2/3 Lakhs
Number members can be included	For Individuals and Family Floaters (maximum 4 members)
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star Criticare Plus Insurance Policy

A health plan that comes with special coverage for critical illnesses / illnesses that are harmful to health. The plan has no maturity age or exit age and is subject to regular renewal.

What are the medical costs and benefits involved ?

This includes room rent allowance, boarding and nursing expenses, with 2% of the sum insured, and a maximum amount in rupees equal to Rs 4,000 per day.
Fees for the benefit of the services of a surgeon, consultant, anesthetist, and specialist.
The cost of drugs and medicines to recover quickly from disease.
The cost of an emergency ambulance is up to Rs 750 per hospital, where the gross limit for the policy term for transferring the insured patient to the hospital is Rs 1,500.
Non-allopathic treatment is covered up to 25% of the insurance amount, and the maximum limit for the policy term is Rs 25,000. The treatment uses traditional methods that still exist and give surprising results.
Pre-hospitalized medical expenses for 30 days prior to actual hospitalization.
On hospitalization expenses equal to 7% (excluding room charges) are calculated on a lump sum basis and paid to the insured. The maximum coverage payable per hospital is Rs 5000.
The policyholder has the option to add family members and can avail of a 5% rebate to add 2 members. Also, a 10% discount will be given if the Star Criticare Plus plan includes more than two members.
Major diseases are covered, such as:
- The first screening of cancer, chronic kidney disease, brain tumor.
- Major organ transplant for the first time.
- Cerebrovascular stroke due to encephalitis.
- The left ventricular ejection fraction is greater than 25% as a result of acute myocardial infarction.
- Established irreversible coma.
- Irreversible Paraplegia.
- Irreversible quadrilateral.

Minimum Entry Age	18 years
Maximum Entry Age	65 years
Insurance amount	3/4/5/10 Lakhs
Number members can be included	Individuals only
Premium payment term	One year
Premium payment mode	Yearly / monthly

Diabetes Safe Insurance Policy

A diabetes-focused health insurance plan that provides financial assistance to a person suffering from type I or type II diabetes mellitus , which can have a dangerous effect on the policyholder’s body.

Star Health Diabetes Safe Plan comes in two different plans:

Plan A: Under this health plan, the insured will get coverage for diabetes from the first day of the policy without a long waiting period. Also, there is no need to be eligible for medical examination to buy a health insurance policy.
Plan B: This plan includes a waiting period of 12 months, where the insured person infected with diabetes has to wait for treatment in a network hospital. This plan mandates the need for a pre-policy check-up before purchasing the policy a step further.

What are the medical costs and benefits involved ?

Treatment expenses due to complete hospitalization for diabetes in networked hospitals.
Diseases arising due to hospitalization accident or any other specified diseases which are not related to diabetes.
Full recovery of lost original insurance amount, where the policyholder is given 100% of the insurance amount, keep the health insurance active.
Cost of hospitalization of the patient for diabetes, non-diabetic diseases, and accidents covering:
- Room (single standard A / C room), boarding and nursing charge during a hospital stay
- Surgeon’s fees, consultant’s fees, or anesthetist’s fees for the treatment of the disease.
- Oxygen, clinical expenditure, blood costs, and other treatment materials are extremely necessary for the completion of treatment.
- Medicines, or pharmacy bills, cover the expenditure of medicines.
All daycare procedures are covered because there is no limit on the number of daycare treatments received during the policy period.
Emergency ambulance for every policy period to help the insured at the time of immediate hospitalization, a fee equal to Rs 2000.
Hospitalization expenses before the time ending 30 days before the date of hospitalization.
Hospitalization up to 60 days after the hospital is given a discharge letter of treatment. The total payment of hospital expenses 7% or maximum hospitalization 5,000 rupees, less whatever, is equal.
Expenses for diabetes only include:
- Donor expenses for kidney transplant surgery where expenses related to inpatient treatment of organ donors are included.
- Dialysis expense of Rs 1000 per dialysis payable for up to 24 months, commences from the month in which dialysis is required, provided the policy is in force.
- The cost of equipping prostheses that are devastated due to disintegration. Coverage of 10% of the insurance amount and the claim is accepted by Star Health Insurance.
- Expenses due to heart disease, kidney disease, eye diseases (excluding cataracts), foot ulcers, diabetic peripheral vascular diseases and other complications of diabetes are duly covered and paid on the claim.
The benefit of the facility is raised in any networked institution.
Fasting for a time every six months / Post-Prandial and HbA 1 c spent testing. The maximum amount that can be claimed is Rs 750 per event and Rs 1500 for each policy term.
Other expenses such as medical counseling, other diagnoses, medicines, and medicines to the extent given below per policy term.

Minimum Entry Age	18 years
Maximum Entry Age	65 years
Insurance amount	3/4/5/10 Lakhs
Number members can be included	Individuals only
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star Cardiac Care Insurance Policy

Star Health Cardiac Care offers two PAN options through which coverage is offered:

Swarna Yojana: Cardiovascular diseases, accidental injuries, and non-physical illnesses. The cover is available for surgical intervention and medical management.
Silver Plan: Cardiovascular diseases, accidental injuries, and non-physical illnesses. Cover for surgical intervention is available.

What are the medical costs and benefits involved ?

A person who has gone from the bottom of any pictorial surgery/treatment, he is eligible to get coverage:
- Percutaneous transluminal coronary angioplasty (PTCA) / coronary artery.
- Bypass graft ( CABG) within a period of 7 years before the proposal.
- Atrial septal defect (ASD) or ventricular septal defect (VSD) is fixed by a treatment.
- Treatment of patent ductus arteriosus (PDA).
- RF ablation is practiced for the improvement of the prevalent cardiac condition.
- Went to an angiogram where no intervention has been medically noted after the entire process of treatment.
All-day care procedures are covered because there is no limit on the number of daycare treatments that come during the policy period.
An emergency ambulance is equivalent to Rs 1,500 during each policy period and Rs 750 per hospitalization to help the insured on immediate hospitalization.
Room, boarding, and nursing expenses are included as a part of in-patient hospitalization. For a better experience during treatment, the maximum coverage can be charged at Rs 5,000 per day.
Hospitalization expenses not exceeding the 30- day deadline to end the hospitalization date.
Hospitalization up to 60 days after the hospital is given a discharge letter of treatment. The total payment of hospital expenses 7% or maximum hospitalization 5,000 rupees, less whatever, is equal.
Out-patient expenses in respect of Star Health insurance at any hospital, daycare center, clinic, diagnostic center. A minimum of Rs 500 is paid per event while a maximum of Rs 1500 per policy term.
The expenses for the treatment of cataracts are payable Rs 20,000 per hospital and Rs 30,000 for the entire policy term.
Personal accident cover for the insured who will receive coverage due to any uninvited accident and bodily injury that is external and visible. The casualty died within 12 calendar months from the date of the accident.

Minimum Entry Age	10 years
Maximum Entry Age	65 years
Insurance amount	3/4/5/10 Lakhs
Number members can be included	Individuals only
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star Cancer Care Gold

This plan was created due to increasing cases of cancer among the population of India. Since there are very few health insurance plans that cover cancer.

What are the medical costs and benefits involved ?

Room rent (single standard A / C), boarding, nursing expenses.
Consultant, Anesthetist, Medical Practitioner, Surgeon Fees, Specialist for consultation/advice for special diseases.
Operation theater charges include blood, oxygen, medicines, anesthesia, and drugs.
The cost of an emergency ambulance to transport the insured to the hospital is Rs 1500 per hospitalization and Rs 2000 per policy term.
Hospitalization expenses up to 30 days before the insured person come to the network hospital for treatment of any disease/illnesses or accident.
Post-hospitalization up to 60 days applicable from the date of dispensation from the hospital of treatment.
A lump sum equal to Rs 1,50,000 for an insurance amount of Rs 3 lakh and Rs 2,50,000 for an insurance amount of Rs 5 lakh is paid for recurrence/metastasis and other cancer indemnities.
Covers surgical and interventional therapy where 1 lakh is given for 1,50,000.
An indemnity cover of Rs 50,000 to Rs 1 lakh will be given for non-surgical medical and non-traditional medical of cancer.

Minimum Entry Age	5 months
Maximum Entry Age	65 years
Insurance amount	3/5 Lakh
Number members can be included	Individuals only
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star Special Care

A plan that manages the medical costs of a child who is diagnosed with symptoms of autism disorder that is the result of an inability to communicate effectively in public and speech impairment.

What are the medical costs and benefits involved ?

All costs related to the treatment of autism disorder are included:
- Room services, boarding, nursing expenses up to Rs 5,000 per day provided by the hospital.
- Shared housing expenses for which Rs 500 is allocated per day and a maximum of Rs 2000 can be used, which can be used for the entire duration of hospitalization. Also, an amount equal to Rs 10,000 will be provided for each policy term.
- Costs incurred for treatment or consultation with a surgeon, anesthetist, medical practitioner, consultant, specialist.
- Medicines, blood, operation theater charges, surgical instruments, oxygen, anesthesia, and drugs, etc.
- Emergency ambulance to the extent of Rs 750 per hospital and a total limit of Rs 1,500 per policy term.
- Post hospitalization costs up to 60 days of hospitalization or up to 60% of hospitalization.

Minimum Entry Age	3 years
Maximum Entry Age	25 years
Insurance amount	Rs 3 lakh
Number members can be included	Individuals only
Premium payment term	One year
Premium payment mode	Yearly / monthly

Star net plus

A health insurance product that provides coverage for HIV has a toxic effect on a person’s health and can cause death-like conditions. This plan is perfect for those who are taking HIV and fighting to end their roots.

What are the medical costs and benefits involved ?

Benefits are divided into 2 parts:

Section 1 ( HIV Section)

The cost of hospitalization of the patient is incurred for the insured who bears the symptoms of the human immune virus.
The insurance amount taken will be paid on making a lump sum claim where you will not need any bills and reimbursement.
If the insured has reached the stage of AIDS, he/she can get coverage without displaying evidence such as medical bills, receipts, violators, etc.

Section 2 ( Medical Section)

Room (single standard A / C room), boarding, and nursing charge during a hospital stay.
Surgeon’s fees, consultant’s fees, or anesthetist’s fees for treatment of the disease.
Radiotherapy, oxygen, operation theater fees, clinical expenses, surgical medical equipment, blood costs, X-rays, dialysis, chemotherapy, and all other treatment materials that become important during the operation.
Expenses associated with medicines and medicines administered as a treatment by a medical professional to cure the disease.
Ambulance services during medical emergencies where the insured requires immediate transport to the nearest hospital for treatment of illness/accident. A maximum of Rs 750 is payable in each hospital and Rs 1,500 is given as an ambulance fee in the policy year.
Post-hospitalization expenses are valid for up to 60 days starting from the date of discharge from the hospital. An amount of 7% of the total hospitalization cost will be reimbursed and can be used up to Rs 5000 per policy term.
Medical fees may arise before the patient’s admission to the nearest hospital for 30 days.

Minimum Entry Age	Government agencies, non-governmental organizations, and registered societies can buy for those they are serving, and if they are infected with HIV positive
Maximum Entry Age
Insurance amount	For Section 1 : Rs 5k / 15k / 30k / 50k For Section 2 : 5k / 15k / 30k / 50k
Number of members can be included	Individuals only
Premium payment term	One year
Premium payment mode	Yearly / monthly

Combo plan by Star Health Insurance

Star first delight
Star first care
Star First Comprehensive
Star first classic
Star first optima
Health Insurance for Corporates

Star Health Travel Insurance

Star Travel Protect Insurance Policy
Star Corporate Travel Protect Insurance Policy
Star Student Travel Protect Insurance Policy

Star Health Personal Accident Insurance

Accident Care Personal Insurance Policy
Student care

eligibility criteria

Star Health Insurance Plan	Minimum Entry Age	Maximum Entry Age	Insurance amount	Number of members can be included	Premium payment mode	Premium payment term
For Individuals and Families:
Star Comprehensive Insurance	5 years / 91 days (for children)	65 years	3 Lakhs to 50 Lakhs	Family Floater: 6 Members	Annually / monthly	One year
Family Health Optima	18 years 16 days (for children)	65 years	3 Lakhs to 25 Lakhs	Person: 6 members Family floater: 6 members ( 2 adults and 5 children)	Annually / monthly	One year / two years / three years
Star Super Surplus (Person and Floater)	For children: 91 days to 25 years, For adults: 18 years	65 years	For Silver Plan: Rs 7/10 Lakh For Gold Plan: Rs. 5/10/15/20/25 Lakh	Silver plan for family floater: 4 members for gold plan: 5 members	Annually / monthly	One year
Medi Classic Insurance Policy (Individual and Family)	For children: 91 days to 25 years: 18 years for adults	65 years	1.5 / 2/3/4/5/10/15 Lakh	Family Floater: Maximum 4 members	Yearly / monthly	One year
Senior Citizen Red Carpet	For children: 91 days to 25 years: 18 years for adults	65 years	1/2/3/4/5 / 7.5 / 10/15/20/25 Lakh	Family Floater: Maximum 4 members	Yearly / monthly	One year / two years / three years
Star health gain	For children: 91 days to 25 years: 18 years for adults	65 years	1/2/3/4/5 Lakh Rs	Family Floater: Maximum 4 members	Yearly / monthly	One year
Star family delete	5 months (for children) 18 years (for adults)	25 years (for dependent children) 65 years	2/3 Lakhs	Family Floater: Maximum 4 members	Yearly / monthly	One year

Star Criticare Plus	18 years	65 years	2/3/4/5/10 Lakh	Person only	Yearly / monthly	One year
Star Care Micro	18 years (for adults) 2 years (for children)	65 years	Rs 1 lakh	Individuals: 1 adult family floater: 4 members	Yearly / monthly	One year
Star diabetes safe	18 years	65 years	3/4/5/10 Lakhs	Self and spouse can be included	Yearly / monthly	One year
Star Cardiac Care	10 years	65 years	3/4 Lakh	Person only	Yearly / monthly	One year
Star Cancer Care Gold (pilot product)	5 months	65 years	3/5 Lakh	Person only	Yearly / monthly	One year
Star net plus	Government agencies , non-governmental organizations and registered societies can buy for those they are serving and if they are infected with HIV positive	Under Section 1 : 5k / 15k / 30k / 50k For Section 2 : Rs 5k / 15k / 30k / 50k / td>	Individuals only	Yearly / monthly	One year
Star Special Care	3 years	25 years	Rs 3 lakh	Individuals only	Yearly / monthly	One year

Claim process of Star Health Insurance

Cashless Claim Settlement Procedure

Access the Insurance Desk of Network Hospitals and display your Health Identity Card issued at the time of purchase of the Star Health Plan.
The doctors of the network hospitals will check the identity of the insured and
The policyholder will have to fill a promotional form to obtain approval for cashless treatment. The company will verify the details with Network Hospital.
After acceptance of the claim, the insured can easily enjoy a cost-free treatment by providing relevant documentation for the treatment.
Cashless claims are settled only after disclosure of the following documents at Network Hospital:
- Discharge Summary and Related Bills
- Cash memo, with proof of a valid prescription.
- Pathological test report submitted by the pathologist and a note from the treating medical expert who advised for the tests.
- Surgeon’s certificate, treatment, surgeon bill, and declaration of receipt.
- Medical practitioner’s certificate to confirm that the insurance is fully healthy and fit.
On the availability of the above documents, Star Health Insurance Company will pay the total claim amount.

Reimbursement claim settlement process

Claims reimbursement applies if treatment is taken from a non-networked hospital or for other medical expenses.

The field doctor will be arranged by Star Health Insurance to facilitate and simplify the hospitalization process.
After the discharge letter is allotted, the insured has to pay all the bills like hospital bills, pharmacy bills, etc. Also, the insured will have to compile all the original documents for the treatment of the disease and all the expenses incurred thereon. .
All evidence of documents other than claims must be submitted to Star Health Insurance.
Subsequently, the claim settlement process will be subject to policy terms and conditions.

List of documents for reimbursement of claim

Fully filled claim intimation form (informing the company before filling the form).
Original bills, receipts, and certificates/cards from the hospital.
Original bills from chemists supported by proper prescriptions.
Receipt and investigative test report from a medical practitioner/surgeon supported by a note from the attending physician and a note as indicated by the test.
Nature of operation and surgeon’s bill and receipt.
Self-declaration / MLC / First Information Report for accident cases.
Attending doctor’s certificate.
If 15 is less than the bed, please submit a hospital registration certificate.

Star Health Insurance Renewable Procedure

Once you purchase the policy from Star Health and allied insurance, the policyholder can apply for renewal of the existing health plan on the policy statement, such as submitting the policy details:
- Policy numbers are mentioned on the policy numbers.
- The date of birth should be the same as the DOB mentioned at the time of purchase.
The above details can be renewed directly online on the website.

How to calculate Star Health Insurance Premium ?

The premium will be calculated based on several factors such as:

Insurance amount opted: The first and most important factor when purchasing Star Health insurance is the insurance amount chosen to cover the future medical expenses of the policyholder and his family.
Policyholder’s age: The second factor for calculating the premium is the age of the eldest member of the main applicant for coverage for the entire family. Whether under the family floater or individuals policy, the premium will be decided after taking into consideration the age of the eldest insured.
The number of family members includes: Another revolving factor is the total members who have been elected to benefit from the coverage. Family members can be added to the policy under the family floater. The maximum limit to include members is limited to 6/5/4 members according to the type of Star Health insurance plan included. Only a few star health plans provide coverage for family members.
Individual or family floater: premium also depends on the type of coverage is, whether individual or family floater policy. Under the family floater, as the number of members increases, the premium rate also increases. However, Star Health offers a premium discount on the inclusion of more than 2 members.

Exclusion of Star Health Insurance

Any disease arising out of involvement in the war, radioactivity, nuclear bombardment,
Expenses related to eyeglasses and contact lenses, hearing aids, crutches, wheelchairs, and other such aids are not included.
Any disease occurring during the first 30 days starting from the date of commencement of the policy.
Circumcision or cosmetic or plastic surgery or beauty treatments and all treatments for erectile dysfunction.
No hospitalization is recommended or mandated by a medical doctor.
Surgical procedures for the treatment of obesity, weight control, and endocrine disorders.

questions to ask (buy online star health insurance)

1. What is the claim interim period of Star Health Insurance ?

Claims can be communicated by calling the Star Health Customer Care toll-free number, which is easily available 24 hours and can be reached at any time.

2. In what time should Star Health Insurance be informed of hospitalization ?

In STAR health plans, there are two types of hospitalization, for which the insured person/family has to inform the claim for acceptance.

For Planned Hospitalization: The occurrence of hospitalization must be reported 24 hours prior to admission to a network or non-network hospital.
To enroll in the emergency hospital hospitalization of 24 within hours to the event.

3. At what time does Star Health Insurance process claim settlement ?

The maximum time taken by Star Health Insurance to settle a reimbursement claim or any other specified claim is 30 days, which meets the regulations set by the IRDA for Health Insurance Claim Settlement.

4. Is any medical examination required before purchasing Star Health Insurance ?

The need for medical examination will depend on the age of the policyholder. Policyholders under the age of 50 are excluded from taking any health examination. However, a health check is compulsory for a person over the age of 50.

Under the Senior Citizen Policy, health check-ups between 60-69 years are not required.

5. Can Star Health Insurance cover Ayurvedic treatment ?

No , Star Health Insurance does not provide coverage for Ayurvedic treatments.

6. What is the maximum number of claims that can be made in a policy year ?

No limit can be placed on the number of claims, but there is a maximum limit on the amount of insurance that can be used per policy term.

7. What is the tax benefit of purchasing a health policy from the Star Health Insurance Policy ?

All premiums paid towards health insurance policy are exempted under Section 80D of the Income Tax Act, 1961.

Bet	SELF, SPOUSE, and DEPENDENT CHILDREN	Parents	80D section total dedicated points
The assessee and his family are below 60 years of age	25,000	25,000	50,000
The assessee and his family are below 60 years of age and the parents are above 60 years of age.	25,000	30,000	Rs.55,000
The assessee and his parents are 60 years and above	30,000	30,000	60,000