Star Health Insurance: A Comprehensive Guide 2023

Table of Contents

Introduction

Star Health and Allied Insurance Co Ltd started in 2006 as India’s first independent health care coverage organization. The organization offers magnificent administrations in health, overseas travel insurance, personal accident, and that’s just the beginning. An assortment of health care coverage plans are given by Star Health care coverage at reasonable rates. The guarantor centers around furnishing client driven administrations alongside item development. It right now utilizes more than 12,800 individuals and works 640 branch workplaces across India.

Star Health Insurance has first class contributions for everybody, whether they are people, families, or companies. In excess of 11,000 emergency clinics in the guarantor’s organization offer credit only consideration to guaranteed individuals.

List of Star Health Insurance Plans:

Star Health Insurance plans
Type of Plan Policy Term
Star Women Care Insurance Policy1, 2, and 3 years
Star Comprehensive Insurance Policy1, 2, and 3 years
Senior Citizens Red Carpet Health Insurance Policy1, 2, and 3 years
Family Health Optima Insurance Plan1 and 2 years
Star Health Premier Insurance Policy1, 2, and 3 years
Super Surplus Insurance Policy1 and 2 years
Medi Classic Insurance Policy (Individual)1 and 2 years
Star Health Gain Insurance Policy1 year
Star Micro Rural and Farmers Care1 year
Star Hospital Cash Insurance Policy1, 2, and 3 years
Star Out Patient Care Insurance Policy1 year
Young Star Insurance Policy1, 2, and 3 years
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.1 year
Star Health Assure Insurance Policy1, 2, and 3 years
Star Extra Protect – Add on CoverAccording to the base policy
Table for the list of the policy plans and their terms

The Features and all included Policies of the Star Health Insurance Policy Details are discussed bellow:

1. Star Women Care Insurance Policy

Understand what’s included( IMPORTANT HIGHLIGHTS ):
Star Women

Star Health Insurance Policy Details for Star Women Care Insurance Policy are-

Policy Type: This approach can be profited either on an Individual or Floater premise.

Policy Term: This strategy can be profited for a term of one, a few years.

Pre-Medical Examination: No pre-acknowledgment clinical screening is expected to benefit this strategy. Nonetheless, pregnant ladies need to present their output reports taken at Star Wellbeing indicated check places during the twelfth and twentieth seven day stretch of their pregnancy. The caused expenses of such a sweep should be borne by the safeguarded.

Individual Entry Age: Just female people matured somewhere in the range of 18 and 75 years can profit this arrangement as Individual Aggregate Protected.

Floater Entry Age: To profit the Floater Aggregate Guaranteed there ought to be somewhere around one female grown-up in the family matured somewhere in the range of 18 and 75 years. This strategy conceals a limit of to three ward youngsters from 91 days to 25 years. Under this approach, the protected little girl can keep on being concealed max to 30 years old, assuming she is unmarried and additionally jobless.

Sum Insured: The Aggregate Protected choices under this approach are Rs.5,00,000/ – , Rs.10,00,000/ – , Rs.15,00,000/ – , Rs.20,00,000/ – , Rs.25,00,000/ – , Rs.50,00,000/ – and Rs.1,00,00,000/ – .

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours because of disease, injury or mishaps are covered.

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs caused as long as 60 days before the date of admission to the clinic are additionally covered.

Post-Hospitalization: Post-hospitalization clinical costs as long as 90 days from the date of release from the emergency clinic are covered.

Room Rent: Room, boarding and nursing costs brought about during in-patient hospitalization are concealed to 1% of the Aggregate Guaranteed each day for Rs. 5 lakh Total Safeguarded; any room (with the exception of suite or above class) for Rs. 10/15/20/25 lakh Total Protected choices, and any space for Rs. 50/100/lakh Aggregate Guaranteed choices.

Street Ambulance: This approach covers rescue vehicle charges for confirmation in emergency clinic, for moving starting with one medical clinics then onto the next for better clinical therapy and from medical clinic to home.

Air Ambulance: Air rescue vehicle costs are concealed to 10% of the Aggregate Guaranteed for the whole strategy time frame.

Modern Treatment: Costs brought about for present day medicines like Oral Chemotherapy, Intravitreal infusions, Mechanical Medical procedures, and so on. are concealed as far as possible referenced in the arrangement condition.

AYUSH Treatment: In persistent hospitalization costs caused for the treatment under Ayurveda, Unani, Siddha and Homeopathy frameworks of prescriptions in AYUSH emergency clinics are concealed to the Aggregate Guaranteed.

Day Care Techniques: Clinical medicines and surgeries that require under 24 hours of hospitalization because of mechanical headways are covered.

Star Mother Cover: Covers the costs of a Solitary Private A/c Space for the stay of the mother in the clinic in the event that the protected individual is an offspring old enough under 12 years, gave the youngster is treated in ICU and there is a permissible case for hospitalization.

Shared Accommodation

Costs caused on possessing a common convenience by the protected individual are concealed as far as possible referenced in the strategy provision.

Rehabilitation & Pain Management: Costs brought about for Recovery and Agony The executives are concealed to the predetermined sub-breaking point or most extreme up to 10% of the Aggregate Guaranteed whichever is less, each strategy year.

Organ Contributor Costs: In-patient hospitalization costs caused for organ transplantation from the Benefactor to the beneficiary protected individual are payable given the case to transplantation is payable. Moreover, the costs caused by the Contributor, (if any) for the inconveniences that require a Re-try A medical procedure/ICU confirmation will be covered.

In Utero Fetal Surgery / Repair: Costs caused for In Utero Fetal medical procedures and methods referenced in this strategy are covered with a holding up period. Nonetheless, the sitting tight period won’t make a difference for treatment connected with inborn sickness/deserts for the new conceived.

Voluntary Sterilisation Expenses

Costs caused for Deliberate Disinfection (Tubectomy/Vasectomy) are covered after a holding up period, gave in the event that the safeguarded individual is hitched and he/she is 22 years or more.

Miscarriage due to Accident: Singular amount is accommodated unsuccessful labor emerging because of a mishap according to the furthest reaches of the strategy, dependent upon a holding up period.

Coverage for Non-medical Items: On the off chance that there is an acceptable case under the approach, non-clinical things determined in this arrangement will become payable.

Short term Conferences: Costs caused on clinical meetings as a short term are concealed as far as possible as referenced in the arrangement.

Preventive Health Check Up: Wellbeing examination costs brought about for the tests referenced in the strategy record are covered for each approach year up to as far as possible.

Programmed Rebuilding of Aggregate Protected: On halfway or full usage of the Aggregate Protected during the arrangement time frame, 100 percent of the Total Guaranteed will be reestablished once in the very strategy year that can be used for all cases and ensuing hospitalization.

Cumulative Bonus: Combined reward is given at 20% of the Total Safeguarded for each guarantee free year subject to a limit of 100 percent of the Total Protected.

Star Wellbeing Project: Wellbeing program intended to persuade and support the sound way of life of the guaranteed individual through different health exercises. Furthermore, the acquired health extra focuses can be used for profiting reestablishment limits.

Long-Term discount: Profit 10% rebate on second year premium and 11.25% on second and third year premium.

Portion Choices: The strategy premium can be paid on a quarterly or half-yearly premise. It can likewise be paid on a yearly, biennial (once in 2 years) and third (once in 3 years) premise.

2. Star Comprehensive Insurance Policy

Understand what’s included( IMPORTANT HIGHLIGHTS ):
Star Comprehensive

Policy Type: This approach can be profited either on an Individual or Floater premise.

Entry Age: Any individual matured somewhere in the range of 18 and 65 years can profit this approach. Subordinate kids are covered from the 91st day onwards as long as 25 years.

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours because of disease, injury or mishaps are covered.

Pre-Hospitalization: Pre-hospitalization clinical costs caused as long as 60 days before the date of admission to the clinic are covered.

Post-Hospitalization: Post-hospitalization clinical costs as long as 90 days from the date of release from the emergency clinic are covered.

Room Rent: There is no covering on room lease (Confidential Single A/C room), Boarding and Nursing costs under this strategy.

Street Rescue vehicle: The strategy covers emergency vehicle charges for admission to the medical clinic, moving starting with one medical clinic then onto the next clinic for better offices and from clinic to the home.

Air Rescue vehicle: Air rescue vehicle costs are likewise concealed to Rs. 2,50,000/ – per hospitalization, to the limit of Rs. 5,00,000/ – per strategy period.

Mid-Term Inclusion: The recently hitched companion and infant can be remembered for the arrangement by paying an extra premium. The holding up periods will be appropriate from the date of consideration of new joiners.

Day Care Procedures: Clinical medicines and surgeries that require under 24 hours of hospitalization because of mechanical headways are covered.

Modern Treatment: Present day treatment costs are payable to the degree of the cutoff points referenced in the arrangement statement.

Hospital Cash: A money benefit for each finished day in the clinic is given up as far as possible referenced in the strategy proviso for a limit of 7 days for every hospitalization and 120 days for each approach period.

Domiciliary Hospitalization: Costs caused for domiciliary hospitalization, including AYUSH, which is taken for a time of over three days on the counsel of a Clinical Specialist are covered.

Delivery Expenses: Conveyance costs including the Cesarean segment (both pre-natal and post-natal) are concealed to as far as possible dependent upon the limit of two conveyances.

New Born Cover: The hospitalization costs for the new conceived child are concealed to as far as possible in light of the selected Aggregate Safeguarded.

Vaccination Expenses: Immunization costs for the new conceived child are concealed to as far as possible in view of the selected Aggregate Protected.

Automatic Restoration of Sum Insured: Endless supply of the fundamental Total Guaranteed during the approach time frame, 100 percent of the Aggregate Safeguarded will be reestablished once in the arrangement period.

Co-Payment: This approach is exposed to co-installment of 10% of every single case sum for new as well as reestablishment arrangements for protected people whose age at the hour of section is 61 years or more.

Bariatric Surgery: Hospitalization costs brought about for Bariatric surgeries are concealed to the furthest reaches of Rs. 2,50,000/- and Rs. 5,00,000/ – which are comprehensive of pre and post-hospitalization costs.

AYUSH Treatment: Costs caused for the treatment under Ayurveda, Unani, Siddha and Homeopathy frameworks of medications in AYUSH Clinics are concealed to as far as possible.

Outpatient Consultation: Short term expenses other than Dental and Ophthalmic medicines caused in any Organized Office are concealed as far as possible referenced in this strategy.

Outpatient Consultation – Dental & Ophthalmic: Short term costs brought about for Dental and Ophthalmic medicines are concealed as far as possible referenced in the arrangement condition. The safeguarded individual is qualified to profit this advantage after each block of three years.

Organ Donor Expenses: In-Patient hospitalization costs brought about for organ transplantation from the giver to the beneficiary protected individual are payable given the case to transplantation is payable.

Health Check-Up: Wellbeing examination costs caused at Organization Emergency clinics are concealed to as far as possible for each guarantee free year.

Second Medical Opinion: The Guaranteed individual can profit a Second Clinical Assessment from a Specialist in the organization of clinical professionals. Clinical records can be shipped off the mail id e_medicalopinion@starhealth.in.

Star Wellness Program: Wellbeing program intended to inspire and support the solid way of life of the guaranteed individual through different health exercises. Furthermore, the acquired wellbeing extra focuses can be used for profiting recharging limits.

Instalment Options: The strategy premium can be paid on a quarterly or half-yearly premise. It can likewise be paid on a yearly, biennial (once in 2 years) and third (once in 3 years) premise

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3. Senior Citizens Red Carpet Health Insurance Policy

Understand what’s included( IMPORTANT HIGHLIGHTS ):
Senior Citizens

Policy Term: This policy can be profited for a term of 1,2 or 3 years.

Sum Insured: The Total Guaranteed choices under this strategy are Rs. 1,00,000/-, Rs. 2,00,000/-, Rs. 3,00,000/-, Rs. 4,00,000/-, Rs. 5,00,000/-, Rs. 7,50,000/- , Rs. 10,00,000/-, Rs. 15,00,000/-, Rs. 20,00,000/- and Rs. 25,00,000/-. The Total Protected choice of Rs. 10,00,000/- to Rs. 25,00,000/ – is accessible on a Floater premise.

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours by virtue of sickness, injury or mishaps are covered.

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs brought about as long as 30 days before the date of admission to the medical clinic are additionally covered.

Post-Hospitalization: Post-hospitalization clinical costs are concealed to 7% of the hospitalization costs according as far as possible referenced in the approach statement.

Room Rent: Room, boarding and nursing costs brought about during in-patient hospitalization are concealed to Rs. 10,000/ – for the most extreme Aggregate Guaranteed picked.

ICU Charge: Up to 2% of the Aggregate Protected is payable as ICU charges for the Summarize Guaranteed to Rs. 10 lakhs. Also, for the Total Guaranteed of Rs. 15 lakhs to Rs. 25 lakhs, ICU energizes are covered to

Street Ambulance: Emergency vehicle charges brought about for shipping the guaranteed individual to the medical clinic by confidential rescue vehicle administration are covered.

Day Care Techniques: Clinical medicines and surgeries that require under 24 hours of hospitalization because of mechanical headways are covered.

Cataract Treatment: Costs caused for Waterfall treatment are covered after a holding up time of two years up as far as possible referenced in the strategy statement.

Co-payment: This arrangement is exposed to co-installment of 30% for all cases.

Health Check-Up: For each guarantee free year, the costs brought about for a yearly wellbeing examination at Organization Clinics are concealed to as far as possible.

Instalment Options: The strategy premium can be paid on a quarterly or half-yearly premise. It can likewise be paid on a yearly, biennial (once in 2 years) and third (once in 3 years) premise

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4. Family Health Optima Insurance Plan

Understand what’s included( IMPORTANT HIGHLIGHTS ):

Policy Type: This Policy gives helps just on a Floater premise.

Entry Age: Any individual matured somewhere in the range of 18 and 65 years can profit this arrangement. Subordinate youngsters are covered from the sixteenth day onwards as long as 25 years.

Family Size: This strategy gives wide inclusion to relatives including self, companion, subordinate kids (most extreme 3), endlessly guardians in-regulation.

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours by virtue of sickness, injury or mishaps are covered.

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs caused as long as 60 days before the date of admission to the clinic are additionally covered.

Post-Hospitalization: Post-hospitalization clinical costs as long as 90 days from the date of release from the emergency clinic are covered.

Shared Accommodation: Costs caused on possessing a common convenience by the protected individual are concealed as far as possible referenced in the strategy statement.

Road Ambulance: Emergency vehicle charges for the transportation of safeguarded individual by confidential rescue vehicle are concealed to Rs. 750/ – per hospitalization and Rs. 1500/ – per strategy period.

Air Ambulance: Air rescue vehicle costs are concealed to 10% of the Aggregate Guaranteed for the whole strategy time frame.

Automatic Restoration of Sum Insured: Endless supply of the constraint of inclusion during the strategy time frame, 100 percent of the Aggregate Safeguarded will be reestablished multiple times in a similar strategy year.

Cumulative Bonus: For Total Protected choices Rs. 3,00,000/ – or more, Aggregate Reward is accessible at 25% of the lapsing Total Safeguarded in the subsequent year and extra 10% of the terminating Total Protected for the ensuing years. The most extreme reasonable reward will not surpass 100 percent

Additional Sum Insured for Road Traffic Accident (RTA): In the event that the guaranteed individual meets with a Street Car crash bringing about an in-patient hospitalization, then, at that point, the Aggregate Protected will be expanded by 25% subject to a limit of Rs.5,00,000/ – .

Assisted Reproduction Treatment: The Organization will repay clinical costs brought about on Helped Proliferation Treatment, where shown, for sub-richness 1. Holding up time of three years from the date of first origin of this arrangement is pertinent. 2. Most extreme obligation of the Organization for such treatment will be restricted to Rs.1 lakh for aggregate safeguarded of Rs.5 lakh and Rs.2 lakhs for aggregate guaranteed of Rs.10 lakhs or more for each block of three years.

Hospitalization Cost for Treatment of New Born Baby: Cover begins from sixteenth day after birth and dependent upon a constraint of 10% of the Total Protected or Rupees 50,000, whichever is less, gave the mother is safeguarded under the strategy for a persistent time of a year without break. Note : Prohibitions No.1(Code Excl 01), Avoidance No.2(Code Excl 02), Rejection No.3(Code Excl 03) and the above sublimit won’t have any significant bearing for treatment connected with Inborn Inner infection/abandons for the new conceived.

AYUSH Treatment: Costs caused for the treatment under Ayurveda, Unani, Siddha and Homeopathy frameworks of drugs in AYUSH medical clinics are covered.

Emergency Domestic Medical Evacuation: Costs brought about towards the transportation of the protected individual from the getting emergency clinic one more emergency clinic for treatment are covered according as far as possible referenced in the strategy condition.

Compassionate Travel: The air transportation costs caused up to Rs. 5000/ – are payable for a close relative to venture out to the clinic in the event of hospitalization of the guaranteed individual for dangerous crisis times, at the spot away from safeguarded standard spot of home.

Second Medical Opinion: The Protected individual can profit a Second Clinical Assessment from a Specialist in the organization of clinical experts.

Modern Treatment: Current treatment costs are payable up as far as possible referenced in the approach condition.

Recharge Benefit: Accessible up as far as possible.

Day Care Procedures: Clinical medicines and surgeries that require under 24 hours of hospitalization because of mechanical progressions are covered.

Domiciliary Hospitalisztion: Costs caused for domiciliary hospitalization, remembering AYUSH for the guidance of a clinical professional for a period surpassing three days are covered.

Organ Donor Expenses: Costs caused for organ transplantation are concealed to a furthest reaches of 10% of the Total Safeguarded subject to the limit of Rs. 1,00,000/ – whichever is less.

Repatriation of Mortal Remains: The costs caused for the bringing home of mortal remaining parts of the guaranteed individual are concealed to Rs. 5,000/ – per strategy period.

Cataract Treatment: Costs caused for Waterfall treatment are concealed as far as possible referenced in the strategy proviso.

Treatment in Significant Service Providers: In the event that the treatment is gone through in a medical clinic recommended by the Organization, a single amount of 1% of the Aggregate Protected subject to a limit of Rs. 5,000/ – per strategy period is payable.

Health Check-Up: Wellbeing examination costs brought about at Organization Medical clinics are concealed to as far as possible for each guarantee free year.

Co-Payment: This approach is exposed to co-installment of 20% of every single case sum for new as well as restoration strategies for safeguarded people whose age at the hour of section is long term or more.

Instalment Options: Premium can be paid Quarterly and Half Yearly. Premium can likewise be paid Every year and Biennially (once in 2 years). Note: Assuming Portion Office is settled on long term arrangements, the full premium appropriate for long term terms ought to be paid in quarterly or half yearly inside the expiry of the main year.

Upfront Discount: 5% markdown for filling the way of life and propensities related survey at the initiation of this arrangement.

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5. Star Health Premier Insurance Policy

Understand what’s included  (IMPORTANT HIGHLIGHTS ):

Sum Insured: The Aggregate Safeguarded choices under this strategy are Rs.10,00,000/ – , Rs.20,00,000/ – , Rs.30,00,000/ – , Rs.50,00,000/ – , Rs75,00,000/ – and Rs.1,00,00,000/ – . Be that as it may, the Aggregate Safeguarded of Rs.75,00,000/ – and Rs.1,00,00,000/ – can be profited by individuals matured as long as 65 years as it were. This is relevant just at the hour of origin of this arrangement.

Policy Term: This strategy can be profited for a term of one, a few years.

Pre-Acknowledgment Clinical Screening: Pre-acknowledgment clinical screening isn’t expected to profit this arrangement independent of the age and Aggregate Protected picked.

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours because of disease, injury or mishaps are covered.

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs brought about as long as 60 days before the date of admission to the emergency clinic are likewise covered.

Post-Hospitalization: Post-hospitalization clinical costs brought about as long as 90 days from the date of release from the medical clinic are covered.

Room Rent: Room, boarding and nursing costs caused during in-patient hospitalization are concealed to 1% of the Aggregate Guaranteed or to the limit of Rs. 20,000 every day.

Home care Treatment: Costs caused on home consideration treatment for determined conditions are concealed to 10% of the Aggregate Safeguarded subject to limit of Rs. 5 Lakh in a strategy year. The guaranteed individual can benefit this help either on a credit only or repayment premise.

Coverage for Non-medical Items: In the event that there is a permissible case under the arrangement, non-clinical things determined in this approach will become payable.

Road Ambulance: This approach covers emergency vehicle charges for affirmation in clinic, for moving starting with one emergency clinics then onto the next for better clinical treatment and from medical clinic to home.

Air Ambulance: Air emergency vehicle costs are concealed to Rs. 2.5 lakh per hospitalization to the limit of up to Rs. 5 lakh for each strategy period.

Domiciliary Hospitalization: Costs caused for domiciliary hospitalization, remembering AYUSH for the guidance of a clinical expert for a period surpassing three days are covered.

Day Care Procedures: Clinical medicines and surgeries that require under 24 hours of hospitalization because of innovative progressions are covered.

Organ Donor Expenses: In-patient hospitalization costs brought about for organ transplantation from the Contributor to the beneficiary safeguarded individual are payable given the case to transplantation is payable. What’s more, the costs caused by the Contributor, (if any) for the entanglements that require a Re-try A medical procedure/ICU confirmation will be covered.

Hospice Care: Payable up to 10% of the total protected subject to a limit of Rs.5 lakhs, whenever profited at our Organized office. This cover is accessible after a holding up time of two years from the origin of the strategy.

Rehabilitation & Pain Management: Costs caused for Restoration and Agony The board are concealed to the predefined sub-breaking point or most extreme up to 10% of the essential Aggregate Protected whichever is less, per strategy period.

AYUSH Treatment: In-patient hospitalization costs caused for the treatment under Ayurveda, Unani, Siddha and Homeopathy frameworks of medications in AYUSH clinics are concealed to the Aggregate Guaranteed.

Bariatric Surgery: Costs brought about on hospitalization for Bariatric surgeries are concealed as far as possible referenced in the approach provision.

Modern Treatment: Costs brought about for present day medicines like Oral Chemotherapy, Intravitreal infusions, Automated Medical procedures, and so on. are concealed to half of the Aggregate Guaranteed determined in the strategy plan.

Cumulative Bonus: Combined reward is given at 20% of the Aggregate Safeguarded for each guarantee free year subject to a limit of 100 percent of the Aggregate Protected.

Co-payment: Pertinent for Guaranteed people whose age at the hour of section is over 65 years. Every single case under the Strategy will be dependent upon a Co-installment of 20% relevant to guarantee sum acceptable and payable according to the agreements of the Arrangement.

Health Check-Up: Health Check-Up costs are concealed to as far as possible for each guarantee free year.

Instalment Options: The strategy premium can be paid on a quarterly or half-yearly premise. It can likewise be paid on a yearly, biennial (once in 2 years) and third (once in 3 years) premise. This office isn’t accessible for long haul (long term) choices.

Star Wellness Program: Wellbeing program intended to inspire and support the sound way of life of the guaranteed individual through different health exercises. What’s more, the procured health extra focuses can be used for profiting reestablishment limits up to 10%.

Family Discount: At the point when two grown-ups are covered under the strategy on a Floater premise Total Guaranteed, then, at that point, a 40% rebate on the premium is accessible as a floater markdown for the more youthful part.

Young Age Discount: For grown-ups matured 50 years or more, on the off chance that the life partner is matured under 50 years, a family floater cover can be offered considering the premium old enough 50 years limited by 10% for the companion.

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6. Super Surplus Insurance Policy

Understand what’s included( IMPORTANT HIGHLIGHTS ):

Policy Term: This strategy can be profited for a term of a couple of years.

Lifelong Renewal: This strategy gives a long lasting restoration choice.

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours by virtue of sickness, injury or mishaps are covered.

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs caused as long as 60 days before the date of admission to the emergency clinic are additionally covered.

Post-Hospitalization: Post-hospitalization clinical costs as long as 90 days from the date of release from the emergency clinic are covered according as far as possible referenced in the approach statement.

Room Rent: Room (Single Private A/C room), boarding and nursing costs caused during in-patient hospitalization are covered.

Road Ambulance: Rescue vehicle charges including private emergency vehicle brought about for shipping the protected individual to the clinic are concealed to Rs. 3000/ – per strategy period.

Air Ambulance: Air Emergency vehicle costs are concealed to 10% of the Aggregate Safeguarded pertinent for Total Guaranteed of Rs. 7 lakhs or more.

Modern Treatment: Current treatment costs brought about either as an in-patient hospitalization or day care treatment are payable to the degree of as far as possible referenced in the approach statement.

Delivery Expenses: Conveyance costs including the Cesarean segment are concealed to Rs. 50,000/ – per conveyance to the limit of two conveyances. This can be profited following a year holding up period.

Organ Donor Expenses: Organ transplantation costs are payable subject to the accessibility of the Aggregate Protected assuming the safeguarded individual is the beneficiary.

Recharge Benefit: On weariness of the Aggregate Guaranteed for the excess strategy time frame, an extra reimbursement is given once during the arrangement time frame up to as far as possible.

Wellness Services: Wellbeing programs intended to propel and support the sound way of life of the protected individual through different health exercises.

E-Medical Opinion: E-Clinical Assessment office from the Organization’s master board is accessible on the solicitation started by the protected individual.

Defined Limit: Defined Limit implies the sum up to which the organization won’t be at risk during the strategy time frame.

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7. Medi Classic Insurance Policy (Individual)

Understand what’s included( IMPORTANT HIGHLIGHTS ):

Entry Age: Any individual between 5 months and 65 years can profit this approach.

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours because of disease, injury or mishaps are covered. 

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs caused as long as 30 days before the date of admission to the medical clinic are additionally covered.

Post-Hospitalization: Post-hospitalization clinical costs as long as 60 days from the date of release are covered according as far as possible referenced in the approach provision.

Room Rant: Room, boarding and nursing costs caused during in-patient hospitalization are concealed to 2% of the essential Aggregate Protected of Rs. 5000/ – each day.

Road Ambulance: Rescue vehicle energizes to Rs. 750/ – per hospitalization and over all restriction of Rs. 1,500/ – per strategy period for transportation of the guaranteed individual by confidential emergency vehicle administration are covered.

Day Care Procedures: Clinical medicines and surgeries that require under 24 hours of hospitalization because of innovative progressions are covered.

Modern Treatment: Costs caused for current medicines like Oral Chemotherapy, Intravitreal infusions, Mechanical Medical procedures, and so on. are concealed as far as possible referenced in the approach provision.

Non Allopathic Treatment/AYUSH: Costs brought about for the treatment under Ayurveda, Unani, Siddha and Homeopathy frameworks of medications in AYUSH emergency clinics are concealed to 25% of the Aggregate Guaranteed subject to the limit of Rs. 25,000/ – during the policy period.

 Cataract Treatment: Costs caused for Cataract treatment are concealed as far as possible referenced in the arrangement provision.

Automatic Restoration of Basic Sum Insured: On fatigue of the restriction of inclusion during the approach time frame, 200% of the essential Aggregate Guaranteed will be reestablished once during the strategy year that can be used for sickness or infection inconsequential to ailment or illness for which cases were made.

Psychiatric and Psychosomatic coverage: Costs caused for the treatment of Mental and Psychosomatic problems interestingly are covered assuming the guaranteed individual is hospitalized for 5 sequential days.

Family Package Plan: Accessible for people from 5 months to 45 years. The total protected is allotted similarly among guaranteed relatives. Wellbeing Exam advantages will be determined on the approach Aggregate Protected and similarly split between every one of the guaranteed people.

Cumulative Bonus: The safeguarded individual will be qualified for Combined reward determined at 5% of the essential Total Guaranteed for each guarantee free year subject to a limit of 25% of the fundamental Total Protected.

Health Check-Up: Costs caused towards the expense of wellbeing check-ups are concealed to 1% of the fundamental Aggregate Protected subject to the limit of Rs. 5000/ – for the fundamental Total Protected of Rs. 2,00,000/ – or more. The protected individual is qualified for this advantage after each block of four case free years subject to a persistent inclusion.

Co-payment: This strategy is exposed to a Co-installment of 10% of every single permissible case sum, for new as well with respect to the strategies hence reestablished for guaranteed people whose age at the hour of passage into this strategy is 61 years or more.

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8. Star Health Gain Insurance Policy

Understand what’s included( IMPORTANT HIGHLIGHTS ):

In-patient Hospitalization: Hospitalization costs caused for a time of over 24 hours because of sickness, injury or mishaps are covered.

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs brought about as long as 30 days before the date of admission to the medical clinic are additionally covered.

Post-Hospitalization: Post-hospitalization clinical costs as long as 60 days from the date of release from the medical clinic are covered.

Room Rant: Room, boarding and nursing costs caused during in-patient hospitalization are concealed to 1% of the fundamental Aggregate Guaranteed each day.

Road Ambulance: Emergency vehicle energizes are covered to Rs. 750/ – per hospitalization and Rs. 1500/ – per strategy period for transportation of the safeguarded individual to the medical clinic by confidential rescue vehicle administration.

Day Care Procedures: Clinical medicines and surgeries that require under 24 hours of hospitalization because of innovative progressions are covered.

Modern Treatment: Costs brought about for current medicines like Oral Chemotherapy, Intra Vitreal infusions, Automated Medical procedures, and so on are concealed as far as possible referenced in the arrangement provision.

Cataract Treatment: Costs brought about for Waterfall treatment are concealed as far as possible referenced in the strategy statement.

Co-payment: This strategy is exposed to a Co-installment of 20% of every single permissible case sum, for new as well with respect to the arrangements hence restored for safeguarded people whose age at the hour of section into this approach is 61 years or more.

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9. Star Micro Rural and Farmers Care

Understand what’s included( IMPORTANT HIGHLIGHTS ):

Policy Term: This strategy can be profited for a term of one year.

Entry Age: Any individual matured somewhere in the range of 18 and 65 years can profit this approach. Under the Floater premise, up to 2 ward youngsters matured between a year and 25 years are covered.

In-patient Hospitalization: Hospitalization costs caused for a time of over 24 hours because of disease, injury or mishaps are covered.

Room Rant: Room, boarding and nursing costs are concealed to 1% of the Aggregate Safeguarded each day.

ICU Charges: ICU charges at actuals are covered under this approach.

Day Care Procedures: Clinical medicines and surgeries that require under 24 hours of hospitalization because of mechanical headways are covered.

Modern Treatment: Current treatment costs are payable up as far as possible referenced in the policy clause.

Co-payment: This strategy is exposed to a Co-installment of 20% of every single permissible case sum, for new as well with respect to the arrangements thusly reestablished for safeguarded people whose age at the hour of passage into this approach is 61 years or more.

Cataract treatment: Waterfall medicines are concealed to Rs. 10,000/ – per eye and up to Rs. 15,000/ – per strategy period.

Instalment Options: Policyholders can pay their expenses either on a quarterly or half-yearly premise. It can likewise be paid yearly.

Lifelong Renewal: This strategy offers a deep rooted restoration choice.

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10. Star Hospital Cash Insurance Policy

Understand what’s included( IMPORTANT HIGHLIGHTS ):

Sickness Hospital Cash: Day to day emergency clinic cash because of infection is given up to the clinic cash sum for the most extreme number of days picked by the safeguarded. Under Essential arrangement, one day deductible is pertinent.

Accident Hospital Cash: Everyday emergency clinic cash because of mishaps is given up to 150% of the medical clinic cash sum selected by the protected individual for the most extreme number of days picked by the safeguarded.

ICU Hospital Cash: Everyday medical clinic cash for ICU costs because of affliction or injury is given up to 200% of the clinic cash sum selected by the safeguarded individual. The greatest number of emergency clinic cash days fluctuates among individual and floater arrangements.

Convalescence Hospital Cash: If there should arise an occurrence of hospitalization past 5 continuous days, one day extra emergency clinic cash sum is given as strengthening emergency clinic cash.

Child Birth Hospital Cash: Female safeguarded people are qualified to profit everyday emergency clinic cash benefit towards labor after a holding up time of a long time from the principal beginning of this strategy.

Worldwide Hospital Cash: In the event of hospitalization towards ailment or injury outside India, 200% of day to day medical clinic cash sum subject to greatest number of days picked by the safeguarded individual is given.

Day Care Procedures: Costs caused for the predefined day care medicines referenced in the strategy condition are concealed to multiple times in a strategy year.

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11.  Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.

Understand what’s included( IMPORTANT HIGHLIGHTS ):

Policy Term: This strategy can be profited for a term of one year.

Pre-Clinical Assessment: Individuals matured 50 years or more are expected to go through pre-clinical screening at the Organization’s selected focuses prior to profiting this arrangement.

Sum Insured: The strategy gives the Total Safeguarded choices going from Rs. 50,000/- to Rs. 10,00,000/ – (in the products of Rs. 50,000/-).

In-Patient Hospitalization: Hospitalization costs caused for a time of over 24 hours because of sickness, injury or mishaps are covered.

Pre-Hospitalization: Notwithstanding in-patient hospitalization, the clinical costs brought about as long as 30 days before the date of admission to the emergency clinic are likewise covered.

Post-Hospitalization: Post-hospitalization clinical costs as long as 60 days from the date of release are covered.

Room Rant: Room, boarding and nursing costs brought about during in-patient hospitalization are concealed to 2% of the Aggregate Protected subject to the limit of Rs. 5000/ – each day.

ICU Charges: ICU energizes to 5% of the Aggregate Protected are covered subject to the limit of Rs. 10,000/ – each day.

Road Ambulance: Rescue vehicle energizes are covered to Rs. 2000/ – per hospitalization.

Day Care Procedures: Clinical medicines and surgeries that require under 24 hours of hospitalization because of mechanical headways are covered.

AYUSH Treatment: Costs brought about for the treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy frameworks of meds in AYUSH emergency clinics are concealed to the furthest reaches of the Aggregate Safeguarded.

Rural Discount: For distinguished Country regions, a 20% rebate on premium is accessible for both Individual and Floater strategies.

Lifelong Renewal: The strategy gives long lasting recharging choice.

Cumulative Bonus: Combined reward is given at 5% of the Total Safeguarded for each guarantee free year subject to a limit of half of the Aggregate Protected.

Co-payment: Every single case under the Strategy will be dependent upon a Copayment of 5% relevant to guarantee sum permissible and payable according to the agreements of the Arrangement.

Cataract Treatment: Costs caused for Waterfall treatment are concealed to 25% of the Aggregate Safeguarded or Rs. 40,000/ – whichever is less per eye in one arrangement year.

Instalment Options: This strategy premium can be paid on a quarterly or half-yearly premise. It can likewise be paid yearly.

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What is Covered under Star Health Insurance? 

Here is a list of costs covered under Star Health care coverage plans or Star Health Insurance plans :

  • With clinical costs continually rising, Star Health Insurance plans cover pre-and post-hospitalization costs related with in-patient hospitalization.
  • Hospitalization costs related with sickness or mishaps including room lease, specialist meeting expenses, ICU charges, medical procedure charges, and so on., are covered.
  • Medical procedure and therapy periods that once called for a great deal of time have been decreased in view of advances in innovation. Consequently, childcare strategies and medicines are covered by health care coverage arrangements.
  • Domiciliary medicines did at home on the specialist’s suggestion are covered by Star Health Insurance plans
  • Road Traffic Accident related ongoing hospitalisations are ordinarily covered by mediclaim plans.
  • The expenses related with a wellbeing examination are likewise covered by clinical insurance contracts alongside hospitalization.
  • Health care coverage designs additionally cover therapies from elective clinical frameworks like Ayurveda, Unani, Homeopathy, Yoga and Naturopathy, Siddha, and so forth.
  • In the event that your doctor’s visit expenses cost more than your Aggregate Safeguarded, the rebuilding benefit naturally reestablishes 100 percent of your Total Protected after it has been completely or somewhat depleted.
  •  

What is Not Covered under Star Health Insurance?

Here are the prohibitions of Star Medical coverage:

  • Self-caused wounds are not covered under Star Health Insurance.
  • Health care coverage strategies don’t cover expenses that happen because of corrective or plastic medical procedure performed to work on one’s appearance.
  • Costs connected with medical problems welcomed on by participating in unsafe or experience sports won’t be covered.
  • Most of health care coverage arrangements don’t give inclusion to costs connected with the administration of stoutness or weight reduction.
  • The costs related with the acquisition of eyeglasses, wheelchairs, braces, portable hearing assistants, and other comparative guides won’t be covered by Star Health care coverage strategies.
  • Dental treatments or procedures won’t be covered except if they are required due to mishaps that outcome in hospitalization. Here are the rejections of Star Medical coverage:

How to Buy Star Health Insurance Plan Online?

The steps to buy a Star Health Insurance plan online are given below:

Move towards Steps to Buy Star Health Insurance plans online:

Step 1: Visit the official website/  authority site of Star Health Insurance. 

Step 2: Click on the ‘Buy Now’ button. 

Step 3: Enter all the mentioned data.

Step 4: Select an insurance plan as per your necessity.

Step 5: Pay the premium. 

Step 6: You will get the policy documents at your registered email address.

Star Health Insurance Renewal Process

You can easily renew your Star Health Insurance plan online whenever you want. The process to renew your Star Health Insurance plan online are as given below:

Step 1: Visit the official site of Star Health Insurance. 

Step 2: Click on the option- ‘Renew’ .

Step 3: Enter your date of birth and policy number. 

Step 4: Click on ‘Submit’ . 

Step 5: Do the payment of your premium . 

Step 6: A renewed copy of your Star Health Insurance plan will be given at your registered email address.

The basic renewal process enable you to pay through official website, mobile app, e-wallet, and more. Moreover, the organization likewise gives a beauty time of 30 days, permitting you to renew your health insurance policy even after the due date without it passing.

Benefits of Star Health Insurance

The advantages related with purchasing Star Health Insurance plans are listed below:

  • The products are client driven and intended to take care of the requirements of a different gathering of people.
  • Star Health care coverage advances a solid way of life through imaginative wellbeing drives.
  • The safety net provider has settled 89.9% of the credit only cases in the span of two hours in network emergency clinics all over India while 92% of the repayment claims are settled soon.
  • Star Medical coverage has a boundless organization of 14,000+ organization emergency clinics the nation over.
  • Star Medical coverage depends in the in-house guarantee group as opposed to the Outsider Organization (TPA) to work with a quicker guarantee settling process during the most basic hour.
  • The organization has a serious inside group of specialists to process and facilitate your medical coverage plan claims.
  • Star Health care coverage offers free telemedicine administrations to everybody. A particular application called Converse with Star Application was made explicitly for this utilization.
  • You can get to 1,635 analytic focuses all over India as well as the office of wellbeing check-ups at endlessly home pickup of lab tests.
  • The back up plan offers medications at lower costs on the web. It has store picks as well as home conveyance in 2,780 urban communities the nation over.
  • Emergency clinics cooperated with Star Wellbeing offer careful and clinical benefits at reasonable rates.
  • You can take part in health projects to acquire compensations for remaining fit. The prizes can be reclaimed to get recharging limits.
  • Assuming that you pay charges for you as well as your family, you will be qualified for guarantee charge derivations of up to Rs.25,000. A higher expense derivation of up to Rs.1 lakh can be guaranteed by the people who pay charges for their folks.
  • Other than health care coverage expenses, charge allowances can be guaranteed for costs related with preventive wellbeing check-ups. Annual expense derivations of up to Rs.5,000 can be guaranteed under Area 80D of the Personal Assessment Act, 1961.

Star Health & Allied Insurance Network Hospitals:

Star Health and Allied Insurance has tie-ups with numerous medical clinics the nation over where policyholders with Star Health Insurance policy can benefit cashless hospitalization as well as repayment facilities.

To find an organization emergency clinic close to your home, select your state and city starting from the drop box on the web-based online Network Hospital Locator. You will get a list of network hospitals with contact details immediately. Star Health Network Hospital members can benefit cashless transaction and get bundle rates for distinguished methods.

Star Health Insurance Customer Care

Star Health care coverage’s client assistance works nonstop to offer consistent help to its clients. In the event of any questions or issues, you can get help from the guarantor in any of the ways listed below:

Toll-free number: 1800 425 2255, 1800 102 4477

WhatsApp number: +91 95976 52225

Email address: support@starhealth.in, claims@starhealth.in

To learn about world’s top 10 best Health insurance Companies: click here

Ranjit Kurmi
Ranjit Kurmi
Articles: 8

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