Star Health Insurance- Buy/Compare Medical Insurance

Star Health and Allied Insurance Company Limited, India’s first separate and only Health Insurance provider, Limited is a joint undertaking between 5 renowned companies which were approved by IRDA- Insurance Regulatory Development Authority which is the governing body in India for all insurance companies. Star Health Insurance was established in India way back in 2006 with exposure in various fields of insurance like health insurance, overseas Mediclaim policy, personal accident plans etc. The company provides an extensive range of health insurance products to all individuals across various sections of society.

Star Health Insurance Review

1. The company has a huge network of 9600 plus hospitals available for cashless hospitalization in India with 460 plus branch offices
2. In-house claim settlement unit
3. The Claim Settlement Ratio of the company for the financial year 2018-19 was 90%
4. Grievances solved is at 98.72%
5. Gross written premium is INR 5401 for the financial year 2018-19
6. Employee strength of more than 10600

Star Health Insurance Review – Benefits

The benefits of Star Health Insurance plans can be summarized as below:

1. Tailormade plans as per the necessity of the customer
2. Reasonable price with transparency
3. The company settled over 90% of the cashless claims within a period of 2 hours
4. Ever since its inception, Star has settled over 5.2 million claims
5. With an agent strength of over 3.6 lakhs, the company has established a strong network across the country
6. Progressive and various plan structures and easy to choose features
7. Cashless treatment in more than 11,000 network hospitals in India
8. Hassle-free claim settlement conveniences without any 3rd party involvement.
9. Top class and swift service
10. More than 400 branches are present in India
11. 24*7 assistance call centre toll-free no 1800 425 2255/1800 102 4477
12. Effective Complaint redressal forum

Click the link below, enter a few details & sail away with the most appropriate health insurance policy for your needs.

Save Upto 60% on Star Health Insurance Policy

Health Insurance Plans of Star Health:

Star Health Insurance Company has a wide range of health insurance plans which are as below:

1. Star Family Health Optima Health Insurance Plan
2. Star Senior Citizens Red Carpet Health Insurance Plan
3. Star Comprehensive Health Insurance Plan
4. Star Medi-Classic Health Insurance Plan
5. Star Health Gain Insurance Plan
6. Star Super Surplus Health Insurance Plan
7. Star Diabetes Safe Health Insurance Plan
8. Star Cardiac Care Health Insurance Plan
9. Star Net Plus Health Insurance Plan
10. Star Care Micro Health Insurance Plan
11. Star Criticare Plus Health Insurance Plan
12. Star Family Delite Health Insurance Plan
13. Star Cancer Care Gold Health Insurance Plan
14. Star Special Care Health Insurance Plan
15. Star Hospital Cash Health Insurance Policy
16. Star Micro Rural and Farmers Care
17. Star Outpatient Care Insurance Policy
18. Young Star Insurance Policy
19. Star Health Arogya Sanjeevani Policy
20. Star Novel Coronavirus Insurance Policy
21. Star Health Corona Rakshak Policy
22. Star Health Corona Kavach Policy

Let’s understand in detail the benefits, features and eligibility of the above Star Health Insurance Health Plans

1. Star Family Health Optima Health Insurance Plan

Star Health Insurance has exclusively designed this plan for the family to cover the financial risk arising out of any untoward incident. This Star Health policy delivers widespread coverage to the entire family through a family floater plan under one umbrella. One can avail tax benefits under section 80 (D) of the Income Tax Act. The main Star Health insurance policy details include the following:

1. Auto Recharge facility at nil cost
2. The benefit of Health Check-up for every claim-free year
3. The company provides an added sum insured at no extra cost
4. Complete coverage for Assisted Reproductive Treatment
5. From the 16th day, a newborn baby is also covered under this plan.
6. Coverage of Donor expenses if organ transplantation is needed
7. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital.
8. Cover for medical treatment for a period exceeding three days

Eligibility of Star Family Health Optima Health Insurance Plan

Entry age	18 years to 65 years and New Born baby from 16th day
Sum assured	INR 3 lakhs to INR 5 Lakhs, INR 10 Lakhs, INR 15 Lakhs, INR 20 Lakhs, INR 25 Lakhs
Premium	Depends on the age and sum assured
Policy Term	1 year

2. Star Senior Citizens Red Carpet Health Insurance Plan

An appropriate plan for the senior citizens which provides complete protection provided by Star Health Insurance.

The benefits are as follows:

1. No medical test required before applying for the policy
2. Protection up to INR 25 lakhs on an individual as well as Floater
3. From 2nd year there is full coverage of the pre-existing diseases
4. The benefit of Outpatient consultation in the network hospitals 
5. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital

Eligibility of Star Senior Citizens Red Carpet Health Insurance Plan

Entry age	65 years to 70 years
Sum assured	INR 1 lakhs to INR 10 Lakhs
Premium	Depends on the age and sum assured
Policy Term	1 year, 2 years and 3 years

3. Star Comprehensive Health Insurance Plan

The most popular plan by Star health Insurance which has all-inclusive and many benefits. Some of this Star Health insurance policy details are:

1. No capping of room rent
2. Additional Coverage of ambulance, 2nd medical opinion, organ donor expenses, Ayush treatment, domiciliary hospitalization, coverage on OPD and complicated medical actions
3. Coverage of Health check-up cost for each claim-free year and maternity
4. Automatic restoration to the extent of 100%
5. Coverage for Personal Accident against Death and Permanent Total disablement
6. Sum insured increase by 100% for every claim-free year
7. The decrease in waiting time for pre-existing diseases
8. Wellness activity coverage
9. Coverage of newborn or newly married spouse 

Eligibility of Star Comprehensive Health Insurance Plan

Entry age	18 years to 65 years  Dependent Child -3 months to 25 years
Sum assured	INR 5 lakhs to INR 25 Lakhs
Premium	Depends on the age, the sum assured and family size
Policy Term	1 year

4. Star Medi-Classic Health Insurance Plan

Medi Classic Insurance from Star health Insurance is an individual and family health plan that offers for compensation of hospitalisation expenditures incurred due to disease, illness, sickness and or accidental injuries to keep the dreams alive and lead a tension free life.

Main benefits of this Star Health policy are:

1. Auto restoration up to 200%
2. The benefit of increased by 5% of the basic sum insured for claim-free years, subject to a maximum of 25% 
3. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments

Eligibility of Star Medi-Classic Health Insurance Plan

Entry age	5 months to 65 years  Beyond 65 years- Only Renewal
Sum assured	INR 1.5 lakhs to INR 15 Lakhs
Premium	Depends on the age, the sum assured and Area wise Zone Distribution
Policy Term	1 Year

5. Star Health Gain Insurance Plan

A unique individual and family health plan by Star health Insurance which offers complete flexibility to the insured thereby choosing a sum insured and a premium as his/ her convenience and family size.

Let us see the benefits:

1. Coverage of Outpatient and Inpatient costs
2. An absolute flexible plan to choose individual as well as a floater for family
3. Choice of 4 flexible premium selections with 5 Sum Insured choices
4. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital 

Eligibility of Star Health Gain Insurance Plan

Entry age	91 days to 65 years  Beyond 65 years- Only Renewal
Sum assured	INR 1 lakh to INR 5 Lakhs
Premium	INR 15000, INR 20000, INR 25000 and INR 30000
Policy Term	1 Year

6. Star Super Surplus Health Insurance Plan

Traditional health policies provide basic health cover for the insured individual. But health is always unpredictable and needs more attention and therefore more financial coverage to combat with the ailments. Star Health Insurance brings Super Surplus Insurance plan that offers much bigger coverage so that one is ready to face all the unwanted health hazards.

The main benefits of this Star Health policy are:

1. No requirement of medical test
2. Higher coverage in the regular benefits like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital 
3. Availability of 2 Plans namely: Silver Plan and Gold Plan

Eligibility of Star Super Surplus Health Insurance Plan

Entry age	18 years to 65 years, Child- 3 months to 25 years
Sum assured	INR 3 lakhs to INR 10 Lakhs
Premium	Depends on the age and sum assured
Policy Term	2 years

7. Star Diabetes Safe Health Insurance Plan

Star Health Diabetes Safe by Star Health Insurance, an individual and family health plan, plays a very important role in a health insurance plan of a family. People with diabetes are in requirement of instant medical support. Due to the increasing cost of medical expenses, it is important to have a plan which will take care of all the needs with respect to this ailment health.

The main benefits of this Star Health policy are

1. Coverage of hospitalization costs for both Type 1 and Type 2 Diabetes
2. Flexible policy selections for individual and floater together with 2 pans available which are Plan A and Plan B
3. The benefit of Automatic Restoration of the full Sum Insured
4. Coverage for Out-Patient expenditures like costs for, Diagnostic tests, Medical consultations medicine and drugs
5. Reimbursement for Accidental Death of the selected insured person
6. Nil waiting Period for Diabetes and its problems under Plan A and 12 months Waiting period under Plan B

Eligibility of Star Diabetes Safe Health Insurance Plan

Entry age	18 years to 65 years
Sum assured	INR 3 lakhs to INR 10 Lakhs
Premium	Depends on the age and sum assured
Plan Types	Plan A -Pre-Policy Medical Checkup  Plan B- No Pre-Policy Medical Checkup
Policy Term	1 year

8. Star Cardiac Care Health Insurance Plan

The plan is specially designed for patients who have the prevailing heart or cardiac disease by Star health Insurance. Star Cardiac Care understands the worries and disturbance caused due to this health issue and therefore provides a complete solution.

The main benefits of the plan are:

1. Coverage of hospitalization costs for both accident and non-cardiac treatments
2. Flexible plan selections for an individual with 2 pans available which are Silver Plan and Gold
3. Coverage for Out-Patient expenditures like costs for, Diagnostic tests, Medical consultations medicine and drugs
4. Reimbursement for Personal Accidental Death at no extra cost

Eligibility of Star Cardiac Care Health Insurance Plan

Entry age	10 years to 65 years
Sum assured	INR 3 lakhs and INR 4 Lakhs
Premium	Depends on the age, sum assured and Plan chosen
Policy Term	1 year
Co-Payment	10% of claimable expenditures for individuals with the entry age of 60 years

9. Star Net Plus Health Insurance Plan

A distinct individual health plan which caters to HIV positive individuals for the first time in India by Star health Insurance. The amount will be paid to the insured person only if it is proposed by Non-Governmental Organisations (NGOs), government agencies or registered societies who are involved in the treatment and care of HIV-infected persons. However, covered patients should be the family members of the proposer.

The main benefits of this Star Health policy are:

1. No need for submitting bills or receipts, however, the prerequisites of the plan are to be met
2. The plan gives strong financial support for better care of HIV positive individuals

Eligibility of Star Net Plus Health Insurance Plan

Entry age	No Limit
Sum assured	INR 30000- INR 50000
Premium	INR 2500 to INR 4000

10. Star Care Micro Health Insurance Plan

Star Care by Star health Insurance is an individual and family health insurance plan that provides guard for individuals and his family on payment of a single premium under a single sum insured. The Single Annual sum insured will cover the entire family members if the floater option is chosen.

The main benefits of the plan are:

1. Individual and Floater policies in Tier I and Tier II places in India
2. Regular coverage benefits include room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital
3. No pre-policy medical check-up

Eligibility of Star Care Micro Health Insurance Plan

Entry age	18 years to 65 years, Child- 2 years to 25 years
Sum assured	INR 1 lakh
Premium	Depends on the age, the sum assured and Tier 1 & II Cities

11. Star Criticare Plus Health Insurance Plan

Star Criticare Plus Insurance from Star Health Insurance is an individual policy that provides compensation of hospitalization expenditures incurred due to disease, illness, sickness and or accidental injuries and offers a lump sum in case the insured individual is being detected with a major illness or disease as per the list in the policy.

Let us see the main benefits of this Star Health policy :

1. The benefit of complete coverage of 9 stated critical illnesses
2. The benefit of Lump sum compensation on the diagnosis of critical illness
3. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments

Eligibility of Star Criticare Plus Health Insurance Plan

Entry age	18 years to 65 years
Sum assured	INR 2 lakhs to INR 10 Lakhs
Premium	Depends on the age and sum assured
Policy Term	1 year

12. Star Family Delite Health Insurance Plan

Star Family Delite from Star Health Insurance is a family health plan that provides compensation of hospitalization expenditures incurred due to disease, illness, sickness and or accidental injuries and offers a lump sum in case the insured individual is being detected with a major illness or disease as per the list in the policy.

Let us see the main benefits of this Star Health policy:

1. The benefit of complete coverage of 9 stated critical illnesses
2. The benefit of Lump sum compensation on the diagnosis of critical illness
3. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments

Eligibility of Star Family Delite Health Insurance Plan

Entry age	18 years to 65 years and Dependent Child -5 months to 25 years
Sum assured	INR 2 lakhs to INR 3 Lakhs
Premium	Depends on the age and sum assured

13. Star Cancer Care Gold Health Insurance Plan

Star Cancer Care Gold Insurance from Star Health Insurance is an individual policy that is only designed keeping in mind the cancer patients and huge costs that is associated with this dangerous disease. This is the first Insurance Plan in India which is being launched on a pilot basis for cancer patients. /p>

Let us see the main benefits of this Star Health policy:

1. Coverage of the risk of scattering of Cancer- Metastasis and relapse of Cancer or Second Cancer
2. The benefit of complete coverage of 9 stated critical illnesses
3. The benefit of Lump sum compensation on the diagnosis of critical illness
4. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital and Non-allopathic treatments

Eligibility of Star Cancer Care Gold Health Insurance Plan

Entry age	5 months to 65 years diagnosed with Cancer Stage 1 and Stage 2
Sum assured	INR 3 lakhs to INR 5 Lakhs
Premium	Depends on the age and sum assured
Policy Term	1 year

14. Star Special Care Health Insurance Plan

Star Special Care Insurance from Star Health Insurance is individual health insurance crafted for children who are being detected with Autism Spectrum Disorder.

Let us see this Star Health insurance policy details:

1. The benefit of regular indemnity health cover
2. No pre-policy medical test
3. Regular benefits coverages like room charges, boarding and nursing expenses, Day Care procedures, ambulance charges, Pre-Hospitalization costs up to 60 days prior to admission in the hospital, Post-hospitalisation costs incurred up to 90 days after discharge from the hospital 
4. Coverage of special treatments like Behavioural Physiotherapy, Therapy, Speech Therapy and Occupational Therapy under OPD

Eligibility of Star Special Care Health Insurance Plan

Entry age	3 years to 25 years
Sum assured	INR 3 lakhs
Premium -Excludes Tax	Age Bracket (in years) Premium (Rs) 3-10 4800 11-20 5325 21-25 6075
Policy Term	1 year

15. Star Hospital Cash Health Insurance Policy

Star Hospital Cash Insurance from Star Health Insurance is an individual and family policy that is offered for compensating the additional expenses during hospitalization.

Let us see the Star Health insurance policy details:

1. Benefit in terms of a lump-sum payment for the term of hospitalization
2. Two plans offered namely: Basic Plan and Enhanced Plan
3. Coverage of Daycare treatments
4. Predefined Hospital Cash Amount/ day reimbursement depending on the Number of Hospital Cash Days
5. The benefit of Convalescence Hospital Cash, Child Birth Hospital Cash and Worldwide Hospital Cash under Enhanced Plan

Eligibility of Star Hospital Cash Health Insurance Policy

Entry age	18 years to 65 years and Dependent Child until 25 years
Sum assured	INR 3 lakhs to INR 5 Lakhs
Premium	Depends on the age and sum assured
Policy Term	1 year, 2 years and 3 years

16. STAR Micro Rural and Farmers care Insurance Policy

Launched under the guidelines of IRDA, the STAR Micro Rural and Farmers Care Insurance Policy is a standard policy for the people living in rural areas. Understanding the needs of the people and their families living in the rural areas, STAR Health has designed a special and affordable policy to cater to their healthcare needs. 

Micro Rural and Farmers Care Insurance Policy have been specially designed for the convenience of the rural families and it ensures that these people do not have to compromise with their health at any point in time due to any illness/accidents. This Policy is available both for you and your family (family can include self, spouse, dependent children up to the age of 25 years)

Main Features of the Micro Rural and Farmers Care Insurance Policy:

1. Micro Rural and Farmers Care Policy come in two types of plan: the Individual Plan and the Family Floater Plan.
2. The Policy covers in-patient’s medical expenses:
• Room, Nursing, and Boarding expenses up to 1% of the sum insured.
• Fee payment of surgeons/specialist/Medical Practitioner/Anesthetist
•  Charges of Anesthesia, Blood, Oxygen, Operation Theatre, ICU, medicines, drugs, surgical appliances shall be covered.
• Medical expenses incurred due to chemotherapy, radiotherapy, dialysis, and installation of pacemaker/stent will be borne by the company.
3. Expenses incurred in all daycare procedures shall be covered.
4. The STAR Micro Rural and Farmers Policybear the expenses of Cataract Treatment as INR 10,000 per eye and up to INR 15,000 per policy period.
5. This STAR policy requires no pre-acceptance medical screening.
6. The STAR Micro Policy provides Instalment facilities to their clients( Instalments can be paid quarterly, half-yearly or annually)
7. This policy covers the expenses of specific Modern/New-age treatments.
8. The Policy also covers the expenses of hospitalization caused due to coronavirus.
9. A lifelong renewal facility is available
10. This policy promises faster and hassle-free claim settlement
11. The Micro Rural policy has a low waiting period of 30 days (other than accidents).
12. Availability of cashless payment across network hospitals makes claims easier and quicker.

Eligibility Parameters ofSTAR Micro Rural and Farmers Insurance Policy:

Entry Age	Adults from 18 to 65 years of age Dependent children from 12 months to 25 years of age ‘Family’ will include self, spouse, and up to two dependent children
Type of Policy	Individual and Floater type.
Policy Term	1 year
Sum Insured	INR 1,00,000 for Individual INR 2,00,000 for Family
Waiting Period	30 days except for accidents 6 months for pre-existing diseases.
Pre-acceptance Medical Screening	Nil

17. STAR Outpatient Care Insurance Policy

A policy that is very clear and self-explanatory from its name, the STAR Health Outpatient Care Insurance Policyis a health policy launched as per the guidelines of IRDA by STAR Health. Always seen and practised for ages, Insurance policies have only covered the medical expenses for in-patients, and the rest of the outpatient charges have been borne by the patients themselves. In solution to this problem, STAR Health has designed a special program to help bear the charges of outpatient consultancy including doctors’ fees, diagnostic tests, pharmacy bills, non-allopathic treatments, and many such medical expenses.

Main Features of theSTAR Outpatient Care Insurance Policy:

1. This STAR Policy offers both Individual and Floater type policies in three plans:
1. Silver
2. Gold
3. Platinum.
2. This affordable policy allows you to have a family plan of up to 6 members (self, spouse, and up to 4 dependent children)
3. Under this STAR policy, the company will bear all outpatient consultation expenses incurred at any network hospital.
4. After 2 consecutive claim-free years, you would be eligible for a 25% discount on the premium charged. 
5. The Outpatient care Policy will bear any expenses incurred during the consultations and treatments that are non-allopathic (AYUSH treatments).
6. The company will bear the charges incurred due to diagnostics as an outpatient at network hospitals.
7. Under this policy, the pharmacy expenses incurred as an outpatient will be covered.
8. Physiotherapy expenses are covered as well.
9. The expenses of any kind of dental treatment (either natural or by an accident) as an outpatient shall be borne by the company.
10. The Outpatient Care Insurance Policy will provide coverage for any ophthalmic check-up, treatment, or surgery at network hospitals.
11. This policy comes with the provision of a lifelong renewal facility.
12. There is a flexibility of coverage as there are three different plans that are offered.
13. The STAR Health Policy promises fast and hassle-free claim settlements at network hospitals.

Eligibility Parameters for theSTAR Outpatient Care Insurance Policy:

Entry Age	Adults: 18 to 50 years of age. Children: 31st day to 25 years of age (the ones who are dependent) The Family can include up to 6 members.
Type of Plans	Individual and Family Floater in: Silver Gold platinum
Policy Term	1 year
Sum Insured	INR 25,000, INR 50,000 , INR 75,000 and INR 1,00,000
Coverage	At all network hospitals
Waiting period for Pre-existing ailments	Silver: 48 months Gold: 24 months Platinum: 12 months

18. Young STAR Insurance policy:

STAR Insurance is a company that likes to think about its clients from different economic backgrounds and derive a solution for every possible problem. This health insurance policy launched under the guidelines of IRDA has its explanation hidden in its name itself,Young Star Insurance policyis a special program designed for the young people who have just started their family or earnings. It is often said that people in the age group of 18- 40 years are highly energetic, passionate, hard-working, and successful. This is the time in everyone’s life where a dependent child converts himself/herself into a self-sufficient human being. 

While a person is busy laying their foundation for a good life ahead, taking care of the health and well-being of self and family can often go for a toss. To avoid this very situation and be prepared for the mishappenings, theYoung Star Insurance policyhas been designed for you and your special ones. This STAR health policy is the most efficient plan to prevent any kind of financial crisis at the time of a medical emergency.

Major features of the Young STAR Insurance Policy:

1. The policy comes in both Individual and Floater policies in two types of plans: 
1. Gold Plan
2. Silver Plan
2. The company bears the in-patient’s medical expenses:
• Room, nursing, and boarding expenses as stated by the hospital.
• Fee payment for Surgeons/Anathesist,/Medical Practitioner/Specialist.
• The charges for blood, oxygen, anaesthesia, drugs, medicines and other such requirements will be borne by the company.
• The charges for Operation Theatre and ICU shall be covered.
• The charges for the emergency transfer of a patient by road ambulance shall be covered.
3. The Young Star policy covers the pre-and-post hospitalization expenses of the patient up to 60 and 90 days respectively.
4. According to the requirements, the company in collaboration with the expert team can provide an e-medical opinion to the insurer.
5. Young Star Insurance policy provides coverage on specific modern/new-age treatments.
6. Medical expenses incurred due to all daycare procedures shall be borne by the company.
7. This policy provides the instalment facility to their clients, the premium can be paid quarterly, yearly, annually, biennially, and even triennially.
8. The Young Star health insuranceeven covers the health check-up charges in accordance with the policy period.
9. This STAR health policy covers the expenses of road traffic accidents.
10. This policy allows mid-term inclusion of new members (legally adopted child, newly married spouse, or newborn)
11. A special wellness program is introduced where the policyholder can earn rewards just by tracking their health and lifestyle.
12. No requirement of pre-acceptance medical screening
13. Thisyoung star policyoffers 100% automatic restoration of the sum.
14. A cumulative bonus of 20% will be awarded for each claim-free year.
15. Special additional features under the gold plan are available.

Eligibility Parameters of theSTAR Young Star health insurance policy:

Entry Age	18 years to 45 years 91 days to 25 years for dependent children Family can include 5 members( self, spouse, and 3 dependent children)
Type of Plans	Individual and Family Floater type in : Gold Silver
Policy Term	1 year/ 2 years/ 3 years
Sum Insured	INR 5,00,000, INR 10,00,000, INR 15,00,000, INR 20,00,000, INR 25,00,000, INR 50,00,000, INR 75,00,000, and INR 1,00,00,000
Renewability of Plan	Lifelong
Pre-acceptance Medical Screening	Nil

19. STAR Health Arogya Sanjeevani Policy

 Arogya Sanjeevani Policy, a super affordable and efficient policy offered by Star Health Insurance. The policy is a standard health insurance policy launched under the guidelines of IRDA, the name itself gives a clear view of the uniqueness of this policy. This policy is specially designed to look after an individual’s health and to cover the most important clinical aspects for a speedy recovery of the person. Arogya Sanjeevani Policy comes with numerous benefits and will protect you and your family from any financial crisis at the time of a medical emergency.

The main features of the policy include:

1. Arogya Sanjeevani Policy comes in two types of plan options: Individual Plan and Family Floater Plan.
2. The policy covers in-patient’s medical expenses:
• Room, Nursing, Boarding expenses up to 2% of the sum insured.
• ICU and ICCU expense up to 5% of the sum insured.
• Payment of Doctors/specialist fees either directly or to the hospital.
• Coverage of OT charges, oxygen, Blood, Anesthesia, medicines, drugs, and all such other charges.
3. Pre- and Post-hospitalization charges are covered up to 30 days and 60 days respectively.
4. Medical expenses aroused from any day-care treatments are covered.
5. Arogya Sanjeevani Policy covers the expenses of Cataract 
6. Arogya Sanjeevani Policy provides instalment facilities to its clients (premium can be paid quarterly or half-yearly)
7. This Policy shall bear any Dental or Plastic surgery expenses if declared a medical necessity post any accident/illness.
8. Specific New Age/Modern Policies are covered.
9. Hospitalization expenses due to the Coronavirus are included in the policy.
10. This Policy comes with a lifetime renewability feature that will help their clients to renew this policy for as long as they live.
11. For every claim-free year, this policy rewards a cumulative bonus of 5% on the sum insured.
12. The policy covers the charges of Road Ambulance to a maximum of 2000 per hospitalization.
13. The policy also covers the expenses on alternate AYUSH treatments 
14. A lower co-payment option is offered at the time of settlement, which is 5% of the total claim amount.

Eligibility Parameters of Arogya Sanjeevani Policy:

Entry Age	18-65 years (Children aged between 3months to 25 years, who are economically dependent can be covered along with parents)
Sum Insured	INR 50,000 – INR 10 LAKHS
Policy Term	1 year
Type Of Policy	Individual and Floater Basis
Pre-acceptance medical screening	Pre-acceptance health screening will be mandatory for persons above 50years of age.
Waiting Period	30 days for illness/diseases (except accidents)
Co-Payment	5% applicable on the total claim amount

20. Star Novel Coronavirus Insurance Policy

This unpredicted attack of a deadly virus has left the world stunned and disturbed every individual’s personal and professional life. The sudden outbreak of this coronavirus disease has infected billions and killed millions of people around the world. At this point, it is proved that taking care of your health is the most important thing in life, and if we take this pandemic lightly, it is going to affect us severely. 

It’s not that we have to just be fearful and scared of the disease but certain measures can surely help us throw this out of our lives. Apart from following the social distancing norms, cleaning and sanitizing the surroundings and yourself, and wearing face covers, masks, etc, there are still people getting infected by covid-19 every day. 

To help you and your family overcome these situations, Star health has launched a special Star Novel Coronavirus Insurance Policy that will make sure you are capable of getting the required treatment without worrying about the costs. This policy is special, affordable and one of its kind, that will help you fight against this deadly virus.

Main features of the Star Novel Coronavirus Insurance Policy:

1. A lump sum amount will be paid by the company if the insured person is diagnosed positive with covid-19 and requires hospitalization.
2. Star Health Novel Coronavirus insurance policy is designed with a short waiting period of 16 days from the date of commencement of the policy.
3. This insurance policy requires no pre-medical acceptance screening or testing of the contracted person.
4. The Novel Coronavirus insurance policy offers the feature of a 15 day free-look period for its clients.
5. On investing in this star health insurance policy, there will be a tax benefit available for the clients.
6. This insurance policy promises faster and hassle-free claim settlement for its clients.
7. Cashless hospitalization shall be provided wherever possible.

Eligibility parameters for the Star Novel Coronavirus Insurance Policy:

Entry age	18 to 65 years of age
Type of plan	Individual
Sum insured	INR 21,000 and INR 42,000
Policy term	1 year
Pre-acceptance medical screening	Nill
Premium Applicable	INR 299+ GST and INR 598+GST
Waiting period	16 days

21. Star Health Corona Rakshak Policy

One thing that has influenced all our lives today is the deadly COVID-19 virus. The whole nation is fighting this pandemic together by getting vaccinated, taking safety measures, helping out each other, avoiding physical contact and so, thus Star health Insurance has also joined this battle by offering this Corona Rakshak Insurance policy.

 A policy that is very clear from its name, the Star Health Corona Rakshak policy is a step taken by Star health insurance to protect you, and to cover your medical expenses in case of any emergency situation caused. 

It’s time we all get together to join hands and fight against this dangerous virus, eat healthy to boost our immunities, stay indoors and reduce contamination, and invest our savings in the Star Health Corona Rakshak policy to avoid any kind of financial scarcity at the time of a difficult situation. 

Main features of Star Health Corona Rakshak Policy:

1. If the insured person is diagnosed positive with COVID-19 virus and requires hospitalization, the company will provide a lump-sum benefit of 100% of the sum insured.
2. The star health Corona Rakshak policy requires no pre-medical acceptance or testing.
3. The star health corona Rakshak policy provides a low waiting period of 15 days from the day of commencement of the policy.
4. Availability of specific tax benefits on buying this policy.
5. Star health corona Rakshak insurance policy promises cashless hospitalization wherever required.
6. This insurance policy provides faster and hassle-free claim settlement.
7. The company provides direct in-house settlement of claims.

Eligibility Parameters for Star Health Corona Rakshak Policy:

Entry Age	18 years to 65 years
Type of Plan	Individual
Sum Insured	INR 50,000, INR 1,00,000, INR 1,50,000, INR 2,00,000, INR 2,50,000.
Policy Term	105 days (3 ½ months), 195 days (6½ months), 285 (9½ months)
Pre-medical acceptance	Nill
Waiting Period	15 days

22. Star Health Corona Kavach Policy

Coronavirus is not just a disease now, it has played with the lives of many people and shattered many houses. Its impact prevails for days even if the person has recovered, as it can not only affect your mind and body but can also cause financial scarcity in the family. 

Star Health Corona Kavach Policy is specially designed to help people and their families overcome financial losses and recover to attain good health as soon as possible. This insurance policy will be a support system for you so that you will never have to compromise with the health of your loved ones due to economic reasons.

The Star Health Corona Kavach policy will stand as a shield for you and your family to provide coverage to the medical requirements when needed.

Main features of the Star Health Corona Kavach Policy:

1. The policy offers two types of plans, one on an individual basis and the other on a family floater basis.
2. If the insured person is diagnosed positive of COVID:
• The expenses of room, boarding, nursing as specified by the hospital shall be borne by the company
• Intensive Care units(ICU)/Intensive cardiac care units(ICCU) expenses shall be covered.
• Payment of fees for specialist/medical practitioner/anaesthetist/surgeon.
• The charges for anaesthesia, blood, oxygen, Operation theatre, medicines, drugs, surgical appliances, ventilator charges shall be borne by the company.
• Costs towards diagnostics, PPE kits, masks, gloves, diagnostic image modalities, and other similar expenses shall be covered.
• Road ambulance charges up to a maximum of INR 2000 shall be covered.
3. If the insured person is diagnosed positive of COVID and has been advised for home treatment, the company will bear the medical expenses incurred, benefits include:
• The charges for medicines that are prescribed in written
• The expenses incurred due to diagnostic tests undergone, whether at home or diagnostic centre
• Charges for nursing or medical staff
• Doctors consultation charges
• Charges of a Pulse oximeter, Nebulizer, and Oxygen cylinder will be borne by the company.
4. The Star Health Corona Kavach policy also includes the expenses incurred due to co-morbid conditions.
5. The policy provides coverage for AYUSH treatments to the insured person when diagnosed positive for COVID or co-morbid conditions
6. Pre-and post-hospitalization charges are covered up to 15days to 30 days respectively.
7. A cash benefit of 0.5% of the sum insured will be paid by the company after each day for up to 15 days.
8. Star Health Insurance will provide a discount of 5% on premium to the health workers(doctors, nurses, etc)as directed by the IRDAI.
9. Star health corona Kavach policy requires no pre-acceptance medical screening or testing.
10. Star Health Insurances is offering a low waiting period of 15 days in the policy.
11. The policyholders will be eligible for tax benefits.
12. Star Health Insurance promises faster and hassle-free claim settlements for its clients.
13. Availability of cashless hospitalization at all network hospitals.

Eligibility parameters for Star Health Corona Kavach policy:

Entry age	Adults: 18 years to 65 years Dependent children: 1 day to 25 years (‘Family’ includes self, spouse, parents and parents-in-law, dependent children)
Type of plans	Individual Family floater
Policy term	105 days (3 ½ months), 195 days (6 ½ months), 285 days (9 ½ months)
Sum insured	INR 50,000, INR 1,00,000, INR 1,50,000, INR 2,00,000, INR 2,50,000, INR 3,00,000, INR 3,50,000, INR 4,00,000, INR 4,50,000, INR 5,00,000.
Pre-medical acceptance	Nil
Waiting Period	15 days

How to buy Star Health Insurance policies?

You can buy Star Health Insurance plans online or offline. The offline plans are sold either by the insurance advisors or directly from the company. All you need to do is visit the branch yourself and then purchase the same after consulting with the insurance agents or the sales managers of the company.

However, there is an online mode of buying Star Health Insurance plans as well and that is through the company’s website. The company allows you to buy its policies online in a simple manner.

The easiest way would be to buy the best health or motor insurance plan from Turtlemint. Turtlemint is an online platform wherein you would find a wide variety of motor and health insurance options to choose from. You can compare and choose the plan as per your coverage needs and affordability. The process of buying Star Health Health Insurance or Star Health Motor Insurance policies online through Turtlemint is as follows –

• Visit https://www.turtlemint.com/
• Then you need to choose health or car or bike, depending on your requirement
• To buy a health plan, you need to
• Enter in your details which would include the following 
• Gender
• Age
• Age of the members whom you want to cover
• Whether you have any pre-existing illnesses to declare
• The annual income level of the family for being recommended an ideal sum insured
• Area PIN Code so that you can check the networked hospitals
• Once the details are entered, you will be presented with a list of some of the best health insurance plans available in the market 
• You can compare and select the best health insurance plan
• After choosing the plan you would have to fill up an online application form
• The premiums would also have to be paid online 
• Once the premiums are paid and the form is submitted, you would be able to buy the plan easily
• To buy a car or bike insurance plan, you need to
• Enter the vehicle number or continue without mentioning the car number
• The details that you need to enter are:
• Make & model
• Manufacturing Year
• Fuel Type
• Variant
• Expiry Date
• Previous policy type
• Made any claims in the previous year
• NCB on previous policy
• Previous policy insurer
• Your contact details
• Once the details are entered, you will be presented with a list of some of the best motor insurance plans available in the market 
• You can compare and select the best car or bike insurance plan
• After choosing the plan you would have to fill up an online application form
• The premiums would also have to be paid online 
• Once the premiums are paid and the form is submitted, you would be able to buy the plan easily

You can compare a wide range of health insurance policies and choose the one that suits your requirements

The renewal process of Star Health Insurance Plans

Renewing Star Health Insurance plans is also an easy affair. You can renew the policy online through the company’s website using the following steps –

1. Visit the company’s home page and renew the same online
2. You will be redirected to a new page wherein you can provide your policy details. You can, then, pay the renewal premium and the policy would be renewed

Renewal of Star Health Health Insurance or Star Health Motor Insurance Policies can also be done online through Turtlemint. If you have bought the policy through Turtlemint you are an existing customer. You would have the login details with which you can log into your Turtlemint account. After you are logged in, choose the health or car or bike insurance plan which you would want to renew, click on ‘Renew’ and you would be able to check the policy details. If you want to renew without any changes, pay the renewal premium and the policy would be renewed.

Process of Claims of Star Health Insurance Plans

Star Health Claims Services is an easy and customer-friendly procedure that ensures that all settlements are handled within a specified time and without any delay. The cashless claim is available across all our network hospitals in the country. Following steps needs to be followed to make a claim:

1. Cashless Health Insurance Claims Process

1. Visit the insurance desk of the network hospital
2. Display the ID card for the purpose of identification
3. The Network hospital will verify the identity post which the pre-authorization form is submitted to the insurance company
4. A doctor will evaluate the required documents and process the claim as per the terms and conditions of the health insurance plan
5. A nominated field doctor to make the hospitalisation simple
6. The claim will be settled post completing the required procedures and as per the terms and conditions of the insurance policy

2. Reimbursement Health Insurance Claim Process

1. A nominated field doctor to make the hospitalisation simple 
2. All hospital bills to be paid after discharge and all original documents of treatment and costs incurred to be collected
3. The Star Health Insurance Claim form needs to be filled and submitted together with all the original documents to the nearby Star Health branch office
4. The claim will be settled as per the terms and conditions of the policy

The claims can be also settled through Turtlemint. Turtlemint is a company that provides customers with the facility of claim settlement through a squad of claim specialists. The company needs to be informed by calling their toll-free number 1800 266 0101 or via an email at claims@turtlemint.com. Post this, the claim department will connect and coordinate with Star Health Insurance Company to process the claims.

Documents required for claims:

1. Completed claim form with correct details that include present address, Contact number and email ID
2. The 24*7 helpline numbers 1800 425 2255 / 1800 102 4477 must be notified before filling up the form
3. All bills, receipts and discharge certificate or card in original from the hospital
4. An original prescription with original bills from chemists
5. Valid Receipt and examination test reports from a pathologist certified by a note from the visiting medical practitioner or surgeon advising the required test
6. Details with the nature of operation done with the bills and receipt from the surgeon
7. In accident cases, a self-declaration / FIR / MLC
8. Attending doctor’s certificate
9. NEFT and KYC details of the policyholder

Star Health Insurance Review – Exclusions

Below are the few exclusions of Star Health Insurance policy

1. During the initial 30 days from the commencement of the policy date, diseases contracted by the insured individual. This exclusion will not be applicable in the case of the insured individual who is already covered under any other individual plan or any group health insurance plans for a nonstop period of previous 12 months without any break
2. Treatment or surgery for tooth unless those were required due to an accident caused needing hospitalization. Implantation of the tooth is also not covered
3. Recuperation, general weakness, or rest cure, lack of Nutrition conditions
4. Disorders in Mental, Psychiatric, and behavioural state
5. Deliberate self-damage
6. Intoxication, use of drug or alcohol, tobacco chewing and smoking
7. STD Disease and Venereal Disease
8. Injuries or diseases which are directly caused or may be caused indirectly by or arising due to invasion, war, the act of a foreign enemy, (irrespective of the war is actually announced or not)
9. Injuries or diseases which are directly caused or may be caused indirectly by nuclear materials or weapons
10. First 2 Years of nonstop operation of insurance cover:
1. The expenditures for cataract treatment, or treatment for glaucoma, retinal detachment or macular degeneration, disc (except which is caused due to an accident), varicose veins and varicose ulcers, expenses for treating benign prostatic hypertrophy, sinus treatments, treatment for tonsil, Chronic Suppurative Otitis Media and connected diseases etc.
2. Any treatments for example conservative, a laparoscopic treatment, treatment for interventional for Hepatobiliary gallbladder disease and genitourinary calculi and pancreatic issues
3. Treatments for diseases like interventional, laparoscopic conservative, and open for Uterine prolapse, Non-Functional Uterine Bleeding, treatment for Pelvic Inflammatory Diseases, treatment of diseases of Gynaecological disorder of fallopian tubes together with ovaries
4. Traditional and operational treatment of bone diseases except for those which are caused due to an accident

Star Health Insurance Review – Inclusions

Following are the inclusions by Star Health Insurance Company

1. Pre-existing diseases are protected post 48 months of nonstop insurance with any other Insurance Company in India. 
2. Pre-Hospitalization costs up to 30 days
3. Post-Hospitalization costs up to 60 days, however, the amount will not surpass the sum calculated at 7% of the hospitalization expenditures subject to a maximum of Rs 5000.
4. Cost of Room rent
5. Surgery Cost
6. Nursing and Boarding
7. Anaesthetist
8. Charges for X-Ray, medicines, drugs, dialysis, diagnostic materials etc.
9. Charges for Medical practitioner, Specialists, Consultants etc.

Modes of payment in Star Health insurance

Star Health insuranceprovides a simple and appropriate method of paying the premium online for both new policies as well as renewal. One can visit the official site retail.starhealth.in/renewal and can make the payment by just entering the policy number and the registered date of birth. After the submission, the page will be redirected to pay the premium via debit card, credit card, internet banking.

Review of Star Health insurance

Star Health insurance Company has many health plans to choose from. The Company has taken into consideration of all individuals with the possible diseases and has designed the products, like a cancer care plan, plan for HIV patients and many more.