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Star Health Insurance Plans Overview

Star health insurance offers 23 health insurance plans. The premium of these plans starts from Rs. 413/yr. The sum insured ranges from Rs. 1,000 - 1 Cr. Details of the comprehensive coverage provided by the following 23 Star health insurance plans are listed below:

Star Cancer Care Gold Health Insurance Plan

Starting Premium- ₹ 17,400/yr

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.

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

Eligible Age

5 months - 65 years

PED Waiting Period

4 years


3 Lakh - 5 Lakh



Star Cardiac Care Health Insurance Plan

Starting Premium- ₹ 14,095/yr

"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"

Eligible Age

10 years - 65 years

PED Waiting Period

4 years


3 Lakh - 4 Lakh



Star Cardiac Care Insurance Policy-Platinum

Starting Premium- ₹ 26,538/yr

Introduced under the guidelines of IRDAI,the STAR Cardiac Care Insurance Policy-Platinum is a licensed and standard policy inaugurated for individuals that have been diagnosed with a Cardiac disorder/ ailment or have undergone a Cardiac Surgical Intervention The policy understands that your heart needs extra attention and timely protection. Hence, the unique cardiac Care Insurance Policy is designed so that individuals do not have to compromise with their Cardiac health at any point. However, the Policy is eligible for individuals falling into the 7-70 years of age group.

Main Features of the Cardiac Care Insurance Policy-Platinum

  1. Cardiac Care Insurance Policy-Platinum comes in three sections: one which is applicable for Accident and Non-cardiac ailments, one for Cardiac ailments, and the third for out-patient expenses.
  2. The Policy covers in-patient’s medical expenses including
    • Room, Boarding, and Nursing expenses as provided by the Nursing home/hospital
    • All charges of blood, Anaesthesia, oxygen, ICU,surgical appliances, operation theatre, medicines, drugs, and diagnostic materials
    • Fee payment of all medical practitioners, specialists, surgeons, Anaesthetist, and consultants
    • All medical expenses sustained due to health checkups, rehabilitation, pain management programs,Conventional Coronary Angiogram Tests, heart transplantation, and cardiac devices.
  3. The Cardiac Care Insurance Policy-Platinum covers all charges incurred in daycare procedures
  4. The Policy sustains all expenses of Cataract Treatment up to payable limits
  5. The STAR Cardiac Care Insurance Policy-Platinum offers brilliant installment facilities to its clients. Installments can be paid half-yearly and quarterly. It can also be paid annually or Biennial (once in 2 years), and Triennial (once in 3 years)
  6. The Policy offers E-medical opinions from the expert panel of the company
  7. Besides covering ambulance charges for emergency transportation
  8. The Policy has coverage for all new age/modern Cardiac treatments
  9. The Policy offers different waiting periods. For section 1, the waiting period is
    • 30 days for all treatments (other than accidents)
    • 24 months for certain special diseases/illnesses
    • 48 months for treating pre-existing/ chronic diseases

Eligible Age

7 years - 70 years

PED Waiting Period

4 years


5 Lakh - 15 Lakh


10% increase in cover;max upto 100%

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There is no such limit on the number of Star Health Insurance Claims which an insured can take in a year, however, the limit is on the Sum Insured which is the maximum permissible amount in any policy which one can avail of.

A Health Card is similar to the identity card which helps one to get the cashless facility at the network hospitals.

Yes, you can, however, the coverage will only be applicable in India.

Yes, the premium paid under the health insurance plan is exempt under the Income Tax Act, 1961.

The following factors need to be considered which are:

  1. Need to check for the waiting period
  2. Need to check for the pre-existing disease coverage
  3. Need to check the exclusions
  4. Need to check the room rent

eIA means an Electronic Insurance Account wherein all your insurance policies can be stored in a centralized manner. You can opt to open an eIA account with Star Health Insurance by filling up and submitting the account opening form available with the company. once your eIA account is opened, all your policies would be electronically stored in the account. Star Health would allot you a number for the eIA account which would be your eIA number. You can quote this number when buying insurance from other companies and the policies issued would be digitally stored in the eIA account.

To make premium payments of your Star Health Insurance policy online you can use credit cards, debit cards, net banking facility, NEFT or RTGS, mobile wallets and UPI platforms.

To make a valid claim in your Star Health Insurance policy you should contact the insurance company immediately and follow the stipulated claim process. The process has been described above which you can follow and get your claims settled. You can also make a claim through Turtlemint and Turtlemint would follow the claim process on your behalf and get your claims settled at the earliest.

Star Health is a reputed health insurance provider in the Indian insurance market which offers a range of comprehensive health insurance plans. The plans offered by the company have inclusive coverage benefits at affordable premiums. Moreover, the company has a network of more than 9900 hospitals for easy cashless claims and approves 90% of such claims within 2 hours. In-house claim settlement also ensures that your claim process is smooth and hassle-free. Given these reasons, you should buy Star health insurance plans.

The requirement of pre-entrance medical check-up depends on your age, the sum insured that you choose and the type of policy that you buy. Under many plans, medical check-ups are not needed up to 45 years of age. Some plans do not need check-ups even up to 55 years of age and in senior citizen policies, there is no need for medical check-ups. However, if you opt for high sum insured and/or have an adverse medical condition, medical check-ups might be needed. So, the requirement of medical check-ups varies across plans and the underwriting principles followed by the company.
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