Review Of Star Health Insurance

Introduction

Review Of Star Health Insurance is our today’s topic. Star Health Insurance is one of the best insurance providers in India. The insurer has more than 10,000 network hospitals where the members can avail of cashless treatments.it has a claim settlement ratio of 90% backed up by positive customer feedback. One of the major benefits is no co-payment is required for individuals below 60 years of age.

Performed and ranked constantly alongside some of Indian’s top health insurers, Star Health and Allied Insurance Co Ltd has been conferred with many awards. Some awards are,
I. Most Innovative new Product of the year, 2020.
II. Best BFSI Brands, 2019.
III. Best Health Insurance Provider of the Year, 2018-19.

The insurance policies cover hospitalization expenses, critical illness Add-ons, ambulance charges, maternity expenses, organ donor expenses, medical check-up costs, AYUSH treatment, and many more.

Star Health Insurance at a glance

  1. Network hospitals – 10,000+.
  2. Waiting period for pre existing diseases – 4 years.
  3. Claims settlement ratio – 90%.
  4. Number of policies issued – 2579591.
  5. Grievances solved – 98.72%.
  6. Renewability – lifetime.

Features of Star Health Insurance Plans for the family

  1. Available in both individual and family floater plans.
  2. No involvement of third party administrator.
  3. Availability of direct in house settlement of claims.
  4. Simple and easy process of cashless hospitalization at more than 9000 hospitals across India.
  5. Claim settlement services are hassle free yet fast.
  6. Pre medical screening is only required for person ageing 50 years or above.

Age criteria

In general adults between 18-65 years of age and children between 16 days to 25 years of age can be insured under Star Health Policies.

Policy inclusions

  1. Sum Insured option ranges from Rs. 1-25 Lakhs.
  2. Minimum entry age is 18 years with lifetime renewability option.
  3. Family floater policy offers coverage to parents and children including new born babies.
  4. Initial waiting period is 30 days from the date of inception.
  5. In-patient hospitalisation expenses are covered including operation theater charges.
  6. Day care treatments can claim.
  7. Organ donor transplantation charges are also covered.
  8. Pre and post hospitalization expenses can be reimbursed for 60 days and 90 days respectively.
  9. Domiciliary hospitalisation expenses are covered upto the sum assured limit only after 3 days of treatment at home.
  10. Air ambulance cover upto 10% of the basic sum insured is provided for sum insured amount of Rs. 5 Lakhs and above.
  11. Add on covers are available for emergency domestic medical evacuation, AYUSH treatment and New born baby.

Policy exclusions

  1. Pre existing diseases are not covered until successful completion of 48 months of waiting period.
  2. Injury or illness due to war or nuclear radiation.
  3. Cosmetic surgery, surgery for sex change, plastic surgery etc are not covered.

Star Health Insurance plans

Star Family Health Optima Insurance Plan

It is a family floater health insurance plan that provides coverage to individuals and family members as well under a single policy.

Features

I. The policy provides auto-recharge upto 300% of Sum Insured.
II. One major benefit of the policy is, that policy offers coverage to newborn babies from the 16th day of birth and onwards.
III. Organ transplantation expenses along with hospitalization charges, ambulance, doctor, or surgeon fees are covered.
IV. The plan provides air ambulance benefit, accidental death and disability cover, ou patient dental and ophthalmic treatment cover.

Details

I. Entry age – 18-65 years(adults) and 16 days to 25 years(children).
II. Sum Insured – Rs. 1-25 Lakhs.
III. Members covered – 1 adult member(Individual policy) and 5 members (floater policy – Self, spouse, and upto 3 children).

Star Senior Citizens Red Carpet Health Insurance Plan

This policy is specifically designed for senior citizens above the age of 60 years. The coverage is available on both individual and family floater basis and does not require pre-medical screening.

Features

I. The policy provides coverage for in-patient hospitalization expenses including nursing fees, room rent, anesthetics, and other related expenses.
II. It covers Modern treatments expenses.
III. The policy provides coverage for pre-existing diseases after a waiting period of 12 months.
IV. Daycare procedures and organ donor expenses are also covered.

Details

I. Entry age – The minimum and maximum age limits are 60 years and 75 years respectively.
II. Sum Insured – Rs. 1-7.5 Lakhs (individual policy) and Rs. 10/15/20/25 Lakhs (floater policy).
III. Members covered – 1 adult member (individual policy) and 2 members (floater policy – Self and spouse).

Star Comprehensive Health Insurance Plan

The policy provides health cover to people aged just from 3 months and upto 65 years. The policy also has coverage for newborn babies and maternity benefits.

Features

I. Personal accidents resulting in permanent disability or sudden death events are covered without any additional payment.
II. Ayurveda, Unani, Siddha, and Homeopathy treatments are covered under this policy.
III. Out-patient ophthalmic treatment, domiciliary hospitalization, or modern treatment care expenses can be claimed.
IV. 10% co-pay is applicable for the person above the age of 60 years.
V. Extra benefits are offered like health check-ups, bariatric surgeries, air ambulance at no additional cost.

Details

I. Age limit – 18-65 years for adults and 3 months to 25 years for children.
II. Sum Insured – Rs. 5 Lakhs – Rs. 1 Crore.
III. Members covered – 1 adult member(individual policy) and 5 members(floater policy – Self, spouse, and upto 3 children).

Star Medi Classic Health Insurance Plan

The plan covers expenses incurred due to any disease, illness, or injury. The premiums for this plan can be paid monthly, quarterly, or half-yearly.

Features

I. The policy provides auto restoration upto 200% of the sum insured if, exhausted in case of an individual plan.
II. Psychiatric and psychosomatic disorder treatment expenses are covered.
III. Non-Allopathic treatment can claim.

Details

I. Age limit – the minimum entry age is 5 months whereas, it can be as early as 16 days in the case of the Gold plan. The maximum entry age is 65 years.
II. Sum Insured –
Rs. 1.5-15 Lakhs and Rs. 3-25 Lakhs(Gold plan).
III. Members covered –
1 adult member(individual policy),
4 members(family package plan – Self, spouse, and upto 2 children).

Star Health Gain Insurance Plan

This policy provides mediclaim cover to an individual along with their family.

Features

I. People between the age group of 92l1 days and 65 years are covered under this policy.
II. 20% co-pay is applicable on every claim amount.
III. Both in-patient and out-patient treatments are covered.
IV. The amount saved from out-patient treatment gets carried forwarded to the next policy year.
V. Applicable waiting period –
30 days for accidental cases,
24 months for diseases and illnesses,
48 months for pre-existing diseases.

Details

I. Age limit – The minimum entry age is 18 years and a maximum of 65 years for adults. Whereas, for children, the minimum and maximum age limits are 91 days and 25 years respectively.
II. Sum Insured – Rs. 1-5 Lakhs.
III. Members covered –
1 adult member(individual policy),
5 members(floater policy – Self, spouse, and upto 3 children).

Star Super Surplus Insurance Plan

It is a top-up health plan which doesn’t require any pre-medical screening. It is suitable to extend coverage benefits over and above the existing health plan.

Features

I. Cover air ambulance charges.
II. Organ donor expenses are covered.
III. Maternity expenses are also covered upto the specified limit.

Details

I. Age limit – The minimum entry age is 18 years and a maximum of 65 years for adults. Whereas, for children, the minimum and maximum age limits are 91 days and 25 years respectively.
II. Sum Insured –
Rs. 7-10 Lakhs(Silver plan),
Rs. 5-25 Lakhs(Gold plan).
III. Members covered – 1 adult member (individual policy) and 5 members (floater policy – Self, spouse, and upto 3 children).

Star Diabetes Safe Insurance Plan

It is a health insurance policy specifically designed for Diabetes patients. The policy covers both type 1 and types 2 diabetes patients.

Features

I. Out-patient medical expenses can be claimed.
II. Personal accident compensation is provided equally to 100% of the sum insured.
III. Room rent, anesthesia, medicines, surgeon fees can be also claimed.

Details

I. Age limit – The minimum and maximum age limits are 18 years and 65 years respectively.
II. Sum Insured – Rs. 3-10 Lakhs.
III. Members covered – 1 adult member(individual policy) and 2 members(floater policy – Self and spouse).

  1. Star Cardiac Care Health Insurance Plan.
    The policy is suitable for people with existing cardiac diseases. Applicants need not to go under any pre medical screening to get coverage under this scheme.

Features

I. The policy provides coverage against heart diseases after a waiting period of just 90 days.
II. Included benefits are hospitalization expenses, out-patient expenses, personal accident, and cataract treatments are covered.
III. All the daycare treatments are claimable.

Details

I. Age limit – The minimum age limit is 10 years and the maximum age limit is 65 years.
II. Sum Insured – Rs. 3 & 4 Lakhs.
III. Members covered – only individual.

Star Criticare Plus Health Insurance Plan

The policy pays in a lump sum for expenses due to any illness, injury, accident, or all the major illnesses specified by the policy.

Features

I. The policy provides coverage for in-patient hospitalization expenses including room rent, nursing fees, medication expenses for a minimum of 24 hours.
II. It covers 9 specified illnesses.
III. The policy covers pre-hospitalization expenses for upto 30 days and post-hospitalization expenses along with ambulance charges(if any).
IV. Cancer, brain tumor, kidney disease, organ transplantation, coma, etc are covered.

Details

I. Age limit – The minimum and maximum age limits are 18 years and 65 years respectively.
II. Sum Insured – Rs. 2-10 Lakhs.
III. Members covered – only individual.

Star Cancer Care Gold Plan (Pilot Product)

The policy is specifically designed for persons having been diagnosed with Cancer.

Features

I. Offers cover against the risk of spreading Cancer or second Cancer.
II. No pre-acceptance medical check-up is required.
III. Coverage –
A. Offers lump sum benefit on events such as recurrence of second Cancer.
B. Interventional and surgical therapy are covered.
C. Also provides cover for non-interventional and non-surgical therapy expenses.

Details

I. Age limit – The minimum and maximum age limits are 5 months and 65 years respectively.
II. Sum Insured – Rs. 3-5 Lakhs.
III. Members covered – only individual.

Star Special Care Insurance Policy

This policy is specifically made for children suffering from Autism Spectrum Disorder.

Features

I. Parents can buy this policy for their child to get the best treatment available.

Details

I. Age limit – the minimum and maximum age limit are 3 years and 25 years respectively.
II. Sum Insured – Rs. 3 Lakhs.
III. Members covered – only individual.

Star Health Novel Coronavirus Insurance Policy

The policy is suitable for COVID-19 positive persons. The policy offers a lump sum amount for treatment. Here also, the applicants need not go under any medical screening before buying the policy.

Features

I. It has an in-house claim settlement process and No third-party administrator involves.
II. The sum insured amount is paid in a lump sum for diagnosis and hospitalization expenses.

Details

I. Age limit – For adults, the age limit is 18-65 years and for children, the age limit is 3 months to 25 years.
II. Sum Insured – Rs. 21,000-42,000.
III. Members covered – only individual.

Star Out-patient Care Health Insurance Policy

This plan is designed to cover the costs incurred on outpatient consultation for individuals as well as entire families. The plan has 3 variants like Silver Gold and Platinum Plan.

Features

I. The policy covers the expenses of Ayurveda, Homeopathy, Unani, Yoga, Siddha, and Naturopathy centers.
II. Coverage provided for diagnostic, physiotherapy, and pharmacy at any network facility of Star Health Insurance.
III. The plan also covers out-patient dental and ophthalmic treatment arising due to accidental injuries.

Details

I. Age limit – For adults, the age limit is 18-50 years whereas, the age limit is 31 days to 25 years for children.
II. Sum Insured – Rs. 25,000 – 1 Lakh.
III. Members covered – 1 adult member(individual policy) and 6 members(floater policy).

Star Health Insurance( Arogya Sanjeevani Policy)

It is a simple health insurance policy with a comprehensive range of coverage benefits. The premiums can be paid on a monthly, quarterly, half-yearly, or yearly basis.

Features

I. Applicants above the age of 50 years need to go through medical screening before buying the policy. Below that age, no screening is required.
II. In-patient hospitalization expenses like room rent and hospitalization charges are covered.
III. Daycare procedures can claim.
IV. 12 modern treatments including Oral chemotherapy, Stem cell therapy, Robotic surgeries, Balloon sinuplasty, and deep brain stimulation are covered.
V. The cost of in-patient treatments including Ayurveda, Siddha, Unani, etc is covered.

Details

I. Age limit – The minimum and maximum age limit are 3 months to 65 years respectively.
II. Sum Insured – Rs. 1-10 Lakhs.
III. Members covered -Adult member(individual policy) and 5 or more members(floater policy – Self, spouse, children, parents, and parents-in-law).

Star Hospital Cash Insurance Policy

The policyholder gets the ability to receive a daily cash allowance for hospital expenses in this scheme. The plan is available in 2 variants like Basic Plan and Enhanced plan.

Features

I. The policy provides lump-sum benefits for the hospitalization period.
II. 6 types of hospital cash benefits including sickness hospital cash, childbirth hospital cash, ICU hospital cash, Accident hospital cash, Convalescence hospital cash, and Worldwide hospital cash are provided(childbirth, Convalescence, and worldwide hospital cash benefits are available under the enhanced plan only).

Details

I. Age limit – Adults between the age of 18 and 65 years are eligible whereas, children’s age limit is 91 days to 25 years.
II. Sum Insured – Rs. 1,000-5,000/day.
III. Members covered – 1 adult member(individual policy) and 5 members(floater policy – Self, spouse, and upto 3 children).

Young Star Insurance Policy

The policy is designed specially to cover the health needs of people aged upto 40 years. The policy has 2 variants like Silver and Gold plan and comes with monthly, quarterly, semi-annually, or annually premium installment options.

Features

I. Applicants need not go through under any pre-policy medical check-up.
II. In hospitalization treatment expenses like room rent, medicines, ICU charges, doctor’s fees,s, etc are covered.
III. Delivery expenses and hospital cash benefits are available only under the Gold plan.
IV. Provides an additional 25% sum insured upto Rs. 10 Lakhs in case the insured person is wearing a helmet during a road accident.

Details

I. Age limit – The age limit for adults is between 18-40 years and 91 days to 25 years for children.
II. Sum Insured – Rs. 3 Lakhs to 1 Crore.
III. Members covered – 1 adult member (individual policy) and 5 members (floater policy – Self, spouse, and upto 3 children).

Star Accident Care Health Insurance Policy

This plan is designed to cover people against accidental injuries, disability, or death.

Features

I. The scheme provides compensation in case the insured dies due to an accidental injury.
II. It covers the insured against temporary or permanent total disability due to an accident.
III. Enhanced weekly compensation for upto Rs. 15,000/week is also available.

Star Health Corona Kavach Policy

It is an indemnity policy designed to cover hospitalization expenses arising from COVID-19 treatment. The policy also covers Coronavirus treatment expenses from co-morbid conditions and home care.

Features

I. Home care expenses for COVID-19 treatment are covered upto 14 days.
II. The hospitalization expenses will be covered within 24 hours of continuous admission.
III. The policy also covers the expenses of COVID-19 treatment if, taken in AYUSH hospital.
IV. Pre and post-hospitalization expenses are covered for 15 days and 30 days respectively.
V. The plan comes with an optional cover of hospital daily cash.

Details

I. Age limit – Adults between the age of 18-65 years and children between 1 day to 25 years of age are eligible for the policy.
II. Sum Insured – Rs. 50,000 – 5 Lakhs.
III. Members covered – 1 adult member (individual policy) and 4 or more members (floater policy – Self, spouse, children, parents, and parents-in-law).

How to claim your Star Health Insurance Plan

Cashless claim process

I. Visit the insurance desk at the reception of the Network listed hospital you are going for treatment.
II. Show the policy ID for identification.
III. A doctor from their team will verify, after verification the team will process the claim along with the terms and conditions.
IV. The insurer network hospital would cross-check and submit the pre-authorization claim form.
V. After all the formalities, a field doctor will assist you and the claim will get settled according to the terms and conditions.

Required documents

I. Star Health ID Card.
II. Duly signed and filled claim form.
III. Police FIR or Medico-legal certificate needs to submit in case of accidental hospitalization.
IV. Test reports original copies.
V. All original invoices.
VI. Hospital discharge summary.

Reimbursement claim process

I. Post-discharge, you will have to clear hospital bills. Do make sure that you have collected all the documents related to the treatment.
II. Submit the signed and filled claim form with all necessary documents to the nearest branch of Star Health.
III. As per the policy terms and conditions, the claim will be settled thereafter.

Required documents

I. Duly signed and filled the claim form.
II. Original chemist invoices with prescription.
III. Medical test reports.
IV. Surgeon’s bill, nature of surgery/operation.
V. FIR/Medico-legal certificate in case of accidental hospitalization.

Note: you may have to submit other necessary and related documents for the claim settlement if, asked by the insurer.

Offered benefits by Star Health Insurance

Individual health insurance plan benefits

I. Individuals aged 18-65 years are eligible for the plan.
II. There is no sub-limit on room rent and treatment costs.
III. Insurance cover includes hospital cash benefits and free health check-up facility after the completion of a certain number of consecutive claim-free years.
IV. Insurance policies from Star Health cover several day-care procedures.

Family health insurance plan benefits

I. Affordable health insurance coverage is available on a floater basis.
II. For a claim-free renewal, you can get up to a 100% increase in the sum insured.
III. No sub-limit on room rent and treatment costs.
IV. The policy will cover dental and ophthalmic treatments on Out-Patient Department(OPD) basis.
V. Insurance benefits include air ambulance facility and second medical opinion.

Senior citizens health insurance plan benefits

I. Senior citizens aged 60-75 years can apply for the plan.
II. No pre-insurance medical test requires.
III. Insurance covers pre-existing diseases from the 2nd year onwards.
IV. Policy comes with a guaranteed lifetime renewability option.
V. Medical consultations can be availed as an out-patient in a network hospital.

Accident care individual health insurance plan benefits

I. Insurance cover for accidental death, permanent disability, and temporary disablement.
II. Get enhanced weekly compensation up to Rs.15,000/week for up to 100 weeks.
III. Get an educational grant for dependent children.

Star Health Insurance Health Check-up

Star Health Insurance covers health checkups for every 1-3 claim-free years under the Family Health Optima Insurance Plan, Star Comprehensive Insurance policy, and Medi-classic Insurance Policy. A regular health checkup can help identify an illness or prevent the onset of one. A health checkup can be expensive, which is why an insurance policy that covers your health check-up costs can be beneficial.

Tax benefits

Under Section 80D of the Income Tax Act, 1961, the policyholder can get tax deductions for a premium paid towards a health insurance policy.

Assessee and his/her family is below 60 years of age.

Rs. 25,000(self,spouse and children),
Rs. 25,000(parents),
Rs. 50,000(Total deduction under Section 80D).

Assessee and his/her family is less than 60 years of age and parents are above 60 years old.

Rs. 25,000(self,spouse and children),
Rs. 30,000(parents),
Rs. 55,000(Total deduction under Section 80D).

Assessee and his/her parents are 60 years and above

Rs. 30,000(self,spouse and children),
Rs. 30,000(parents),
Rs. 60,000(Total deduction under Section 80D).

Contact

Star Health & Allied Insurance Co Ltd.
New Tank Street, Valluvar Kottam Hogh Road, Chennai – 600034.
Call – 044 2828 8800.

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