Star Health Insurance Plans

If you want a financial help at the time of hospitalisation, it is better to take any of the Star Health Insurance Plans. Star Health Insurance Company is mainly started to provide medical insurance to the people. There are different types of Star Health Medical Insurance Plans each offer various features to its customers. Read the complete article and know which Star Health policy is best for you.

The medical costs are increasing day by day. An individual who hasn’t saved that much money will face a problem during hospitalisation. We all know that our health is our wealth. So, to protect our health, it is better to take a health insurance policy. Star health is offering many plans to protect your health. The Star Health Plan covers the surgical and medical expenses of an insured individual at the time of hospitalisation. In the case of illness or injury, the company directly pays to the hospital/care provider of the individual or reimburses the expenses incurred.

There are 4 types of Star Health Medical Insurance Plans. It is difficult for an individual to choose a plan from all those Star Health Plans. So, below we have provided the brief details like the review, features, benefits, inclusions, exclusions, etc. of all these plans. Check the details and take a Star Health Medical Plan that satisfies your requirement.

Family Health Optima Insurance Plan.
Senior Citizens Red Carpet Health Insurance Plan.
Star Comprehensive Insurance Policy.
Medi-Classic Insurance Policy (Individual).

Star Health Family Health Optima Insurance Plan

Family Health Optima Insurance Plan is a Single policy with wider coverage for the whole family at an affordable premium.

Features and Benefits of Family Health Optima Plan

Without any extra cost, you can get extra sum insured, i.e., up to 30% of sum insured.
For every block of 3 years of policy coverage, Health Checkup costs up to Rs. 5,000/-.
New-born baby will cover from 16th day under this plan.
It covers Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
It covers over 400 Day care procedures.

Inclusions of Star Family Health Optima Plan

Donor expenses for organ transplantation.
Coverage of Inpatient hospitalisation expenses for a minimum of 24 hours.
It covers Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialist Fees, Cost of Medicine and drugs, etc.
Pre-Hospitalisation expenses covered upto 60 days before admission into the hospital.
Post Hospitalisation expenses covered upto 90 days after discharge from the hospital.

Exclusions of Star Family Health Optima Insurance Policy

Pre-existing diseases are not covered until the 48 consecutive months of continuous coverage have elapsed.
Any disease during the first 30 days from the commencement of policy excluded.
Any transplant and related surgery expenses excluded during first 2 years of the continuous policy.
Expenses on Cataract, Glaucoma, diseases related to Thyroid, diseases of ENT, diseases of the prostate, etc. are not covered.
Gall bladder and pancreatic diseases not covered.
Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Other expenses as detailed in the policy broucher.

Eligibility of Family Health Optima Insurance

Entry Age:	Minimum: 18 Years Maximum: 65 Years
Entry Age for dependent children:	Minimum: 16 days Maximum: 25 Years
Renewal:	Lifelong Renewal
Family:	Proposer, spouse, dependent children
Policy Term:	1 Year

For more information regarding Star Health Insurance Plans, refer Family Health Optima Insurance Plan Broucher.

Star Health Senior Citizens Red Carpet Health Insurance Plan

Star Health Senior Citizens Red Carpet Health Insurance Plan is for Senior citizens aged between 60 to 75 years. Below are the features, benefits, inclusions, exclusions, etc. regarding this policy.

Features & Benefits of Senior Citizens Red Carpet Health Plan

Pre-insurance medical test is not required.
From the 2nd year onwards, it covers pre-existing diseases.
Higher SI (Sum Insured) coverage upto Rs.10 Lakhs.
It provides Guaranteed lifetime renewals.
Outpatient consultation in network hospitals.

Inclusions of Senior Citizens Red Carpet Health Insurance

Specific day-care procedures covered.
Post-hospitalisation expenses are paid as lump-sum upto the limit specified.
Coverage of Inpatient hospitalisation expenses for a minimum of 24 hours.
It covers Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialist Fees, Cost of Medicine and drugs, etc.
Ambulance charges are covered for emergency transportation to the hospital as per specified limits.

Exclusions of Star Health Senior Citizens Red Carpet Health Policy

Pre-existing diseases are not covered until the 48 consecutive months of continuous coverage have elapsed.
Any disease during the first 30 days from the commencement of policy excluded.
Any transplant and related surgery expenses excluded during first 2 years of the continuous policy.
Expenses on Cataract, Glaucoma, diseases related to Thyroid, diseases of ENT, diseases of the prostate, etc. are not covered.
Gall bladder and pancreatic diseases not covered.
Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Other expenses as detailed in the policy broucher.

Eligibility of Senior Citizens Red Carpet Health Insurance Plan

Entry Age:	Minimum: 60 Years Maximum: 75 Years
Policy Term:	1 Year
Renewal:	Lifelong Renewal

For more information regarding Star Health Insurance Plans, refer Senior Citizens Red Carpet Health Insurance Plan Broucher.

Star Comprehensive Insurance Policy

In Star Comprehensive Insurance Policy, medical expenses incurred on Bariatric surgical procedures and its complications covered. Below are the features, benefits, inclusions, exclusions, eligibility, etc. regarding this plan.

Features and Benefits of Star Comprehensive Insurance

It covers Air ambulance assistance, Second medical opinion.
For every block of 3 claim free years, Cost of health check up covered.
Hospital cash benefit.
Over 400 Day care procedures are covered.
Cover for maternity and Newborn baby.
Dental / ophthalmic cover on OPD basis.
Without additional cost, it provides Personal Accident Cover against permanent total disability and death.

Inclusions of Star Comprehensive Plan

Coverage of Inpatient hospitalisation expenses for a minimum of 24 hours.
It covers Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialist Fees, Cost of Medicine and drugs, etc.
Ambulance charges are covered for emergency transportation to the hospital as per specified limits.
Pre-Hospitalisation expenses covered upto 30 days before admission to the hospital.
Post Hospitalisation expenses covered upto 60 days after discharge from the hospital.
Outpatient Dental, Ophthalmic treatment.
Hospital Cash.
Health Check up.
Bariatric Surgery, etc.

Exclusions of Star Health Comprehensive Insurance Plan

Pre-existing diseases are not covered until the 48 consecutive months of continuous coverage have elapsed.
Any disease during the first 30 days from the commencement of policy excluded.
Any transplant and related surgery expenses excluded during first 2 years of the continuous policy.
Expenses on Cataract, Glaucoma, diseases related to Thyroid, diseases of ENT, diseases of the prostate, etc. are not covered.
Gall bladder and pancreatic diseases not covered.
Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Other expenses as detailed in the policy broucher.
There are also some exclusions applicable for Accidental Death and Permanent Total Disability.

Eligibility of Star Health Comprehensive Insurance

Entry Age:	Minimum: 18 Years. Maximum: 65 Years.
Entry Age for Dependent Children:	Minimum: 3 Months. Maximum: 25 Years.
Policy Term:	1 Year.
Renewal:	Lifelong Renewal.
Policy Type:	Both on Individual basis and Family floater basis.
Family:	Self, Spouse and Dependent children.

For more information regarding Star Health Insurance Plans, refer Star Comprehensive Insurance Policy Broucher.

Medi-Classic Insurance Policy (Individual)

Medi-Classic Insurance Policy (Individual) is one of the best Star Health Insurance Plans. Below are the features, benefits, inclusions, exclusions, eligibility, etc. regarding this plan.

Features and Benefits of Star Health Medi-Classic Insurance Policy

There is ‘no claim bonus’ of upto 5% for every claim free year subject to the maximum of 25% is allowable.
For every block of 4 claim free years, Health Checkup costs up to Rs. 5,000/-.
There are Optional Covers like Hospital cash and patient care cover.
It covers 101 day-care procedures.
It provides the Automatic restoration of Sum assured by 200%.

Inclusions of Star Health Medi-Classic Policy

Coverage of Inpatient hospitalisation expenses for a minimum of 24 hours.
It covers Surgeon, Medical Practitioner, Anesthetist, Consultants, Specialist Fees, Cost of Medicine and drugs, etc.
Ambulance charges covered for emergency transportation to the hospital as per specified limits.
Post-hospitalisation expenses paid as lump-sum upto the limit specified.
Pre-Hospitalisation expenses covered upto 30 days before admission to the hospital.
Non-Allopathic Treatments covered up to specified limits.
Pre-Existing Diseases/Illness covered after 48 months of the continuous policy.
HIV positive persons can take this policy provided the CD 4 count at the time of entry is above 350.

Exclusions of Medi-Classic Insurance Plan

Pre-existing diseases are not covered until the 48 consecutive months of continuous coverage have elapsed.
Any disease during the first 30 days from the commencement of policy excluded.
Any transplant and related surgery expenses excluded during first 2 years of the continuous policy.
Expenses on Cataract, Glaucoma, diseases related to Thyroid, diseases of ENT, diseases of the prostate, etc. are not covered.
Gall bladder and pancreatic diseases not covered.
Treatment arising from childbirth, pregnancy, miscarriage, etc. not covered.
Other expenses as detailed in the policy broucher.

Eligibility of Star Medi-Classic Insurance Policy

Entry Age:	Minimum: 5 Months. Maximum: 65 Years.
Policy Term:	1 Year.
Renewal:	Lifelong Renewal.

For more information regarding Star Health Insurance Plans, refer Star Health Medi-Classic Insurance Policy Broucher.

Star Health Medical Insurance – Buying Process

From all the above mentioned Star Health Insurance plans, you can buy the required policy at the Star Health Insurance Branch Office or contact the agent of Star Health Insurance company. To buy a Star Health Plan, a proposal form/application form is required. Some policies have the facility to buy through online. The documents that may be necessary to buy Star Health Medical plans are,

Application form.
Address proof.
A medical examination may be required in some cases, based on the age of the person and sum assured.

How to claim Star Health Insurance Plan?

Star Health provides best Claim Services which ensures that all settlements are just and timely. To claim a Star Health Plan follow the process mentioned below.

Cashless Claim Process

If the covered person is aware of the hospitalisation in advance,

Please contact the toll-free number: 1800 425 2255.
Fax the Pre-Authorization form duly filled from the hospital at 1800 425 5522 or Non-Toll-free: 044 28302200.
Carry your ID card and policy schedule.

If the covered person meets with an accident or suffers from any other illness that requires immediate admission to the hospital,

After the patient is taken to the hospital and avails treatment, family need to contact the toll-free help line – 1800 425 2255.
Fax the Pre-Authorization form duly filled from the hospital at 1800 425 5522 or Non-Toll-free: 044 28302200 within 24 hours of admission.

Reimbursement Claim Process

If the insured pays the expenses himself with the hospital and gives prior intimation about the treatment to the company, then later, he can claim for a reimbursement of those expenses.
You need to fill the claim form and submit to the nearest Star Health office along with some documents.
Then the company will settle the claim in subject to policy terms and conditions.

Star Health Plan Premium Calculator

If you want to calculate the premium amount or any other, you can make use of the Star Health Insurance Plan Premium Calculator. For calculation, the details that you may need to enter are,

Name of the Policyholder.
Email Id.
Mobile Number.
DOB.
Sum Assured.

How to renew Star Health Insurance?

The policy term of Star Health Insurance Plans is 1 year. Each Star Health plan provides the lifelong renewal facility. After the completion of the policy term, if you want to continue the policy you can renew the Star Health Medical Insurance plan. You can renew through Online or Offline. If you want to renew through offline you have to visit the nearest Star Health Branch office. This is a time taking process so it is better to follow the online process. The online procedure to renew the Star Health Insurance is as follows.

Visit the Star Health website www.starhealth.in.
On the top menu, you can find the ‘Renewals’ option.
Click on that and enter the Policy Number, DOB, E-Mail and Phone Number.
Click on proceed and make the Star Health Insurance Renewal.