Health Insurance Plans

Mediclaim Health Insurance Policy in India

Health Insurance Plans Provide Comprehensive Coverage

Star Health insurance policies or mediclaim plans cover all 24-hour in-patient hospitalisations due to illness, accidents and daycare treatments/procedures. All related pre-hospitalisation and post-hospitalisation expenses are payable up to the specified days mentioned in the policy clause.

Health Insurance Plans Provide more Flexibility

Star Health Insurance plans provide more flexible benefits when the policyholder buys a mediclaim policy and goes through certain hardships. For instance, when the sum insured gets exhausted, additional coverage is provided without any extra premium. This is where benefits like Automatic Restoration of the basic Sum Insured, Super Restoration of the basic Sum Insured and Road Traffic Accident (RTA) on the sum insured come into place.

Note: These flexible benefits are product/policy specific. Please refer to the policy clause to learn more.

Health Insurance Plans Allow Additional Disease-Specific Coverage

With Star Health, the insured can avail disease-specific policies for critical illnesses, cancer and cardiac ailments along with inpatient hospitalisation as a general mediclaim health insurance policy. We have a wide range of mediclaim health insurance policies to choose from like  Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy and Star Cancer Care Platinum Insurance Policy.

Health Insurance Plans Cover Non-Hospitalisation Expenses

The insured can avail of non-hospitalisation expenses covered with most of our mediclaim Health Insurance Policies. Those include expenses, dental treatments, annual health check-ups, out-patient care treatments, diagnostics, consultations, etc.

Everything You Need To Know About The Mediclaim Policy

Steering the complexities of healthcare expenses in India can be quite overwhelming. With rising medical costs rapidly, a mediclaim policy works as a safety net and a critical resource. This article will direct you through the basic features of mediclaim policies, including mediclaim insurance and tips on choosing the right mediclaim policy in India.

What is a Mediclaim Policy?

A mediclaim policy is a health insurance policy which covers the medical costs incurred during hospitalisation and associated procedures. It gives financial assistance for medical exigencies, lowering the burden on the insured and their families. Mediclaim policy in India provides different benefits, which make them a favourite among individuals looking for financial protection in medical emergencies.

Main Aspects of Mediclaim Policy

• Hospitalisation Coverage: Mediclaim insurance policies cover the cost of hospitalisation because of illness or injury. This consists of nursing charges, room rents, and other allied charges.
• Pre and Post - Hospitalisation Expenses: Many mediclaim policies in India cover medical costs incurred during pre-and post-hospitalisation, ensuring encompassing coverage for the treatment process.
• Daycare Procedures: Few medical procedures do not involve prolonged hospitalisation and can be treated within a few hours. Mediclaim policies even cover such daycare procedures.
• Annual Health Check-Up: Certain mediclaim insurance policies provide the facility of an annual health check-up, motivating people to undergo regular health checks.
• Cashless Facility: Many insurance providers provide cashless treatment at network hospitals, saving the insured from making out-of-pocket payments.
• Outpatient Department (OPD) Cover: Some mediclaim policies cover outpatient treatment, such as diagnostics, consultations, and minor procedures without hospitalisation.
• No Claim Bonus: If the policyholder doesn’t make any claims during the policy term, they are entitled to a no-claim bonus, either as a reduction in the premium or an increase in the sum insured for the next policy year.
• Alternative Treatments: Many policies today cover alternative treatments like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH). This works with the needs of those who want traditional and holistic medical treatment.

Tips to Choose the Right Mediclaim Policy

• Coverage: The policy must have an exhaustive list of medical conditions and treatments.
• Network Hospitals: See if the insurance provider has a large network of hospitals where you can get cashless treatment.
• Claim Settlement Ratio: Choose an insurance provider with a good claim settlement ratio, which shows its ability to settle claims.
• Additional Benefits: Choose plans with extra benefits, such as wellness programs and health service discounts.

Exclusions in Mediclaim Policies

• Pre-Existing Diseases: Many policies exclude coverage for pre-existing diseases after a waiting period.
• Cosmetic Treatments: The cosmetic or beauty treatment expense is not typically covered.
• Self-Inflicted Illnesses: Any illness or injury caused due to self-inflicted injury or suicidal attempts is not covered.

How to Make a Claim?

• Intimate the Insurer: Notify the insurance provider immediately of the hospitalisation or medical treatment.
• Documents to Submit: Please submit all the documents, including medical reports, bills and discharge summaries.
• Cashless Claims: If you use a cashless facility, ensure the hospital is in your insurer’s network and use the procedure for pre-authorisation as required.
• Reimbursement Claims: Your insurer can reimburse you for your medical bills and reports for non-network hospitals. 

Choosing the best mediclaim policy is essential to ensure your family’s health and financial security. Comprehending the different dimensions of mediclaim insurance will help you choose the best for you. Investing in a good mediclaim policy is a step towards a healthier and financially secure future. 

Our Best Health Insurance Plans

Health issues increase with a sedentary lifestyle and advancement in age to a larger population. The current pandemic situation has underlined the need for Health Insurance more than ever before. All our policies provide coverage for COVID-19, on the purchase of a Health Insurance plan by a healthy individual/family, if diagnosed with COVID-19 and require hospitalisation. Covid-19 treatments are covered with some waiting period as mentioned in the policy clauses.

Our varied, feature-rich Health Insurance plans are available for several health issues and provide peace of mind at times of financial crisis due to medical contingencies and uncertainties.

Health Insurance plans primarily are of different types and are classified under two categories based on their coverage – for an Individual and a Family.

Individual Health Insurance Plan

Buying Individual Health Insurance plans cover an individual person for opted Sum insured, which can be used by the insured individual only.

Family Floater Health Insurance Plan

In the context of Family Health Insurance, a family indicates self, spouse and the dependent children and parents.

The Family Floater Health Insurance plan covers an entire family with a single premium, and the sum insured floats among the insured family members. At hospitals across India, the insured and family members can avail of quality-assured in-patient hospitalisation, modern treatments, diagnosis, surgeries, etc along with a host of other features.

Types of Health Insurance Plans at Star Health

With the increasing demand for valuable healthcare services, there comes an extreme increase in the costs of treatment and post care. Here, medical insurance plans play a vital role in protecting your loved ones during health emergencies and hospitalisation.

Health insurance comes in different types that caters to diverse needs and specifications.  At Star Health, we offer one of the best health insurance policies in India that helps customers to stay stress-free and not worry about the medical expenditures if they face unprecedented situations. 

Key factors to consider before buying your Health Insurance Policy

Choosing the best Health Insurance is quite a task. It is hard to pick the best health insurance plans in India while numerous firms are offering Health Insurance. The inclusion and exclusion differ from each policy. Every information that you gather will help you in the process of choosing the right Health Insurance Plan.

If you are planning to buy best health insurance plans in India, you should also pick the right Insurance Provider.

Check out the plans offered by the Company. Every Insurance Company has its own Network Hospitals, so make sure to choose a company that offers a wide Network of Hospitals. Give equal importance to the claim settlement ratio, and go for the one that has a high claim settlement ratio.

When it comes to choosing the best Health Insurance Policy, be mindful of the following:

Inclusion and exclusion are the key factors, so it is important to read them carefully before opting for the policy. This can avoid misconceptions during the claim process. Understanding your Health Insurance coverage gives you an upper hand while filing a claim.

Waiting Period in Health Insurance should be of major concern because, during the waiting period, you cannot raise a claim to avail the benefits. Thereby, it is essential to know the duration of waiting periods. It is advisable to choose a policy that has a lower waiting period.

Network Hospitals are the hospitals that work in agreement with Insurance Companies to provide cashless treatment. Go for the insurer who has a wide network of hospitals as you can choose the one that suits you best.

Co-payment refers to the sharing of medical bills between the insured and the insurer. Some policies make co-pay mandatory and for some it is optional. Being aware of your co-pay gives you more flexibility while planning your finance.

Sub-limits are a common factor in Health Insurance. The policy might have sub-limits for different expenses such as room rent, Domiciliary treatment, AYUSH treatment, Cataract treatment, etc. So, the claim amount for such expenses is covered up to the mentioned sub-limits and you have to pay the balance amount.

A cumulative Bonus is also known as no-claim bonus. If you do not raise a claim during the policy period, then your Sum Insured will be enhanced by certain percentage. Such enhancement is called a cumulative bonus. The accumulated bonus will come in handy during the needful times.

How to choose the best health insurance options available in India?

Finding a single health insurance policy that caters to all your needs is impossible. There are several policies available, each with its own set of unique benefits. Therefore, it is essential to carefully evaluate the coverage benefits of each policy and determine what is included and excluded before selecting the best health insurance in India.

Checking waiting period for pre-existing diseases 

Each health insurance plan has specific terms and conditions for pre-existing conditions. This implies that if an individual has any illness before obtaining a plan, the claim made for treatment of that particular illness will only be accepted after the insured has completed a specified waiting period. 

Typically, the waiting period can vary between 6 months to 3 years, although specific superior plans, such as the mediclaim policy, offer a shorter waiting period. When selecting a health policy, choosing one with a shorter waiting period is advisable.

Check customer reviews 

When purchasing medical insurance online, it is imperative to consider customer reviews of various health insurance companies. These reviews provide a balanced mix of positive and negative opinions, highlighting the relevant pros and cons. This valuable information will enable you to make a well-informed decision. 

Compare premiums 

It is essential to conduct a thorough comparison of both the plans and the premium. Numerous online aggregators exist that assist in comparing insurance policies based on their benefits, features, premiums, maximum returns, and more. Selecting a plan without carefully considering all available options in the market is akin to inviting future regret. By comparing plans, you can secure all the benefits at a relatively lower premium rate.

Read exclusions 

Policyholders must pay more attention to exclusions in a health insurance policy, leading to unexpected situations. While a plan may cover certain illnesses, it is essential to note that there are limitations and exclusions. For example, some strategies may exclude coverage for conditions like hernia, cataract, sinusitis, Gastrointestinal issues, and joint replacement during the initial period. Additionally, expenses related to dental treatment, HIV/AIDS, eye-related healthcare, STDs, and cosmetic surgery may also be excluded. Selecting a health plan with fewer exclusions is advisable to ensure comprehensive coverage.

Advantages of Getting a Suitable Health Insurance Plan

Before you make a decision, it is vital to understand health insurance quotes online that suits your healthcare requirements. When you get to know various health insurance plans, you can select the policy by needs, finances, and accessible possibilities. It is an investment in your financial stability and health; hence, it should be chosen after consideration. 

Many insurers offer health insurance plans in India with distinctive features, and it can be quite confusing to select the best health plan online. Here are the advantages of getting the right health insurance plans online:

• Convenience - You can explore various options from the comfort of your home, thereby saving effort and time.
• Wide selection - Choosing a health insurance policy online provides access to multiple plans and insurers and allows you to compare coverage, features, and costs.
• Accurate & updated information - You can view the policy details, conditions, and terms and make wise decisions with reliable information and transparency.
• User reviews & customisable filters - Many health insurance plans in different websites feature customer ratings and reviews that provide insights into the experiences of other policyholders. Also, you can tailor your search based on specific needs, such as coverage type, premium range, or any health requirements.
• Get instant quotes - Online health insurance policy comparison tools provide instant quotes, thereby enabling quick comparisons of costs without needing to contact insurers on a direct basis.
• Cost savings - Based on the health insurance premium, you can identify the best value for your requirements and opt for the one that fits your budget.

Optimal Level of Health Insurance Coverage 

Health inflation increases by 14% in India every year. (Source: Business Insider)

Insurance experts suggest that coverage should be equivalent to approximately 50% of one's yearly earnings. For instance, if one makes Rs. 20 lakhs annually, a health insurance plan worth Rs. 10 lakhs could suit one. Nevertheless, given the escalating healthcare expenses, the minimum coverage should not fall below Rs. 5 lakhs.

The below table is an illustrative explanation on the type of health insurance plan that one can buy depending on the age group:

Nevertheless, depending on the client's profile, health insurance can extend up to 2 crores. However, people living in Tier-I and Tier-II cities can opt for different coverage policies as the treatment costs may vary.

For example, a family of two adults and one child residing in a Tier-1 city should aim for coverage between Rs 15-25 lakh to ensure adequate protection. On the other hand, families living in Tier-2 or Tier-3 cities may find a coverage of Rs 5-10 lakh sufficient.

Star Health, being one of the famous health insurance company in India, provides comprehensive health insurance coverage with multiple sum insured options, such as Rs. 5 Lakh, Rs. 10 Lakh, and Rs. 1 Crore that better suits the unique medical insurance needs of a customer.

1) A 5 Lakh Health Insurance policy offers a sum insured of ₹ 5 lakhs, i.e., the insured gets coverage of 5 lakh rupees in healthcare expenses and hospital bills, according to the terms and conditions of the plan. Our Health Insurance Plans with ₹ 5 Lakhs Sum Insured Include:

• Smart Health Pro (UIN: SHAHLIP23172V012223) 
• Star Comprehensive Insurance Policy (UIN: SHAHLIP25037V082425)
• Young Star Insurance Policy (UIN: SHAHLIP25035V052425)
• Star Health Assure Insurance Policy (UIN : SHAHLIP23131V022223)
• Medi Classic Insurance Policy (Individual) (UIN: SHAHLIP25038V082425)
• Diabetes Safe Insurance Policy (UIN : SHAHLIP23081V082223)
• Star Women Care Insurance Policy (UIN : SHAHLIP23132V022223)
• Family Health Optima Insurance Plan (UIN: SHAHLIP25039V082425)
• Super Star (UIN: SHAHLIP25036V012425)

2)  A 10 lakh health insurance provides coverage for medical bills and hospitalisation costs up to Rs. 10 lakhs. With a higher coverage limit, the insured gets greater financial protection compared to a health insurance policy with lower limits. Our Health Insurance Plans with ₹ 10 Lakhs Sum Insured Include:

• Super Star (UIN: SHAHLIP25036V012425)
• Smart Health Pro (UIN: SHAHLIP23172V012223) 
• Star Comprehensive Insurance Policy (UIN: SHAHLIP25037V082425)
• Young Star Insurance Policy (UIN: SHAHLIP25035V052425)
• Star Health Assure Insurance Policy (UIN : SHAHLIP23131V022223)
• Medi Classic Insurance Policy (Individual) (UIN: SHAHLIP25038V082425)
• Diabetes Safe Insurance Policy  (UIN : SHAHLIP23081V082223)

3) Our 1 crore health insurance plan will provide extensive coverage during medical emergencies and offer maximum benefits, such as daycare treatments, in-patient hospitalisation, and much more. A 1 crore Health Insurance policy can provide a secure feeling that comes with knowing you are protected. Our Health Insurance Plans with Rs. 1 Crore Sum Insured Include:

• Smart Health Pro (UIN: SHAHLIP23172V012223) 
• Star Comprehensive Insurance Policy (UIN: SHAHLIP25037V082425)
• Young Star Insurance Policy (UIN: SHAHLIP25035V052425)
• Star Health Assure Insurance Policy (UIN : SHAHLIP23131V022223)
• Star Women Care Insurance Policy (UIN : SHAHLIP23132V022223)
• Star Health Premier Insurance Policy (UIN: SHAHLIP22226V012122)
• Super Star (UIN: SHAHLIP25036V012425)

Health Insurance Plans for All Age Groups

Health insurance plans in India cater to all age groups, offering various features and coverage options. Here’s a breakdown of plans suitable for different age demographics:

1. For Young Adults (18-35 years)

• Individual Health Plans: Focus on essential coverage, often with lower premiums.
• Critical Illness Plans: Additional coverage for specific serious diseases.
• Family Floater Plans: Covers the entire family under one sum insured, making it cost-effective.

2. For Middle-Aged Adults (36-55 years)

• Comprehensive Health Plans: Include hospitalization, pre- and post-hospitalization expenses, and daycare procedures.
• Top-up Health Insurance: Additional coverage over a base policy to enhance the sum insured at a lower premium.
• Health Savings Plans: Offer a combination of insurance and investment options.

3. For Seniors (56 years and above)

• Health Insurance for Senior Citizens: Specifically designed to cater to older individuals, often with benefits like domiciliary treatment.
• Individual Plans: Focus on hospitalization and critical illness coverage tailored to older adults.
• Lifetime Renewability: Ensure that policies can be renewed indefinitely, regardless of age.

4. Health Insurance Plans for Family

• Suitable for families across all age groups, providing coverage for all members under one policy. It can be customized with riders for maternity benefits, accidental coverage, etc.

5. Group Health Insurance

• Offered by employers, these plans cover employees and sometimes their families, ensuring access to healthcare services across age groups.

Key Considerations for All Age Groups:

• Network Hospitals: Ensure a wide network for cashless treatment.
• Waiting Periods: Understand the waiting periods for pre-existing conditions.
• Exclusions and Sub-limits: Be aware of what is not covered and any limits on specific treatments.
• Claim Settlement Ratio: Research the insurer’s efficiency in settling claims.

Choosing the right health insurance plan depends on individual needs, family size, and health status. It is advisable to understand different plans and consult with an insurance advisor if needed. 

Factors to Consider When Selecting a Health Insurance Company in India

You can shortlist the top 5 medical insurance companies in India before you choose one to buy your health insurance plan from. Here are some of the factors that influence the selection of a health insurance company in India. 

1. Claim Settlement Ratio
Select the insurance companies with the Claim Settlement Ratios. Claim Settlement Ratio (CSR) denotes the percentage of claims settled by an insurance company in a year compared to the total claims obtained annually. A high CSR denotes that the insurance company has a record of settling claims. 

2. Company’s Solvency Ratio
The solvency ratio means the surplus of assets over liabilities and other obligations of the health insurance company. In general, a high solvency ratio denotes the reliability, stability, and long-term financial security of the company.   

3. List of Network Hospitals 
When choosing health insurance, thinking of the network hospitals (both in-patient and out-patient facilities) is essential as it affects the convenience, cost, and quality of healthcare services available to policyholders. 
Having access to several hospitals ensures easeness and accessibility to healthcare services. Policyholders can select from a set of provided network hospitals, which have reputed medical facilities, for their medical treatment requirements. 

4. Coverages Offered
Consider the various coverage options available, like hospitalisation, critical illness coverage and cashless treatment. Look for health insurance plans with comprehensive hospitalisation coverages and a minimum number of exclusions.   

5. Policy Exclusions 
Understand the health insurance policy exclusions clearly to ensure you know what is not covered by the health insurance plan. Many health insurance policies exclude pre-existing diseases or other medical conditions that policyholders already have at the time of buying the policy.

Also, health insurance policies may exclude coverage for congenital diseases or conditions present at birth.

6. Customer Service Reputation 
Consider the customer service reputation when buying health insurance so that you can choose an insurance provider that provides reliable support, transparent processes, and a commitment to customer satisfaction. 

7. Claim Process Easiness
An easy claim process ensures that you get a good experience with your health insurance provider and can concentrate on your healthcare without have to worry about the hassleness of claims.

8. Premium Affordability
Make sure that you choose an affordable premium for you. Clearly understand the premium affordability criteria set by the insurer or employer to make sure that the health insurance premium fits within the budget constraints of the policyholder.

Generally, medical insurance comparison also helps find out the best medical insurance.  

Benefits of Medical Insurance Policy   

There are many medical insurance plans in India. There are many benefits that policyholders can get from the medical health insurance plans. Here are the benefits of buying a Medical Insurance plan. 

1. Insurance Coverage During Medical Emergencies 
Medical Insurance Policy covers the expenses of various healthcare needs. This can include doctor fees, regular checkup visits to the hospital, major surgeries, etc. One of the best benefits of health insurance is the cashless treatment facility. During emergency hospitalization, you might not have enough amount to pay for the expenses immediately. At that time, medical insurance helps you get proper healthcare without having to worry, as the network hospital can settle the bills directly with the insurer. The policy terms will lay down the particulars of the health insurance benefits at the purchase time.   

2. Flexible Premiums for Individuals
The benefits of medical insurance advantages can be useful if you have planned for it beforehand. By doing so, you provide a sufficient time period to spread the premium over the years and also lower the financial stress.  
If you do not have an insurance policy in place, it might drain your savings. So, it is better to wait for a medical emergency to buy a health plan. 

3. Protection against Medical Costs 
The increase in healthcare costs is making people fear. To avoid being stressed by medical costs, the benefits of health insurance have become valuable.  
When you add a health insurance policy to your financial plan, it can save you. The assurance of security against rising healthcare charges is among the advantages of health insurance.  

  
4. Offers Riders or Various Life-related Uncertainties
Riders are the most valuable benefits of medical insurance. Other than the medical insurance benefits, you can enjoy multiple coverage options. Such health insurance advantages help to create a personalized financial plan.
For example, a critical illness insurance rider could offer proper medical insurance coverage against a list of life-threatening diseases that require high healthcare costs. 

5. Extra Coverage Above Employer Health Insurance
Several companies provide employer health insurance benefits to their employees. While they are useful, you might not have to depend on anyone for money in a time of need. Since the benefits of health insurance provided by a company are below a master policy, there are limitations to individual coverage. 
When you purchase an individual plan, you can avail yourself of extra health insurance benefits that are specific to your requirements.

6. Tax Benefits
Apart from giving many benefits, health insurance also helps save on taxes. The Indian government permits the policyholder to lower their tax liability when they buy a health plan. Below Section 80D, there are specific tax benefits of health insurance applicable to a few conditions. However, the tax advantages are as prevailing tax laws subject to change.   

7. Covers Pre- and Post-Hospitalisation Expenses
Apart from hospitalization expenses like ICU charges, surgical procedures, etc., health insurance plans often offer coverage for the expenses incurred during the pre- and post-hospitalization periods. These health plan benefits are subject to various terms and conditions, so check the policy documents for applicable inclusions and exclusions in regard to these expenses.

8. Offers Maternity Cover Benefits
Maternity coverage is provided as an extra add-on in most health insurance plans. Maternity coverage in health insurance can help offer coverage to many child-birth-related costs like a hospital stay at the time of childbirth, doctor visits, cesarean/natural delivery, etc. This permits expectant parents to concentrate on the mother and their child’s health without the additional financial stress.  

9. Covers the Cost of Ambulances  
Your health insurance plan might cover the ambulance ride cost to the nearest hospital during an emergency. This can save you money and help you get the necessary medical treatment faster. This health insurance benefit could help you claim reimbursement for the ambulance charges as per the terms and conditions of your medical insurance policy.    

10. Annual Checkup Benefits  
Many health insurance policies include annual checkups as a complimentary advantage below the policy. This could be beneficial as it can help you find out the health issues early on, making them easier to treat. These checkups include physical exams, blood tests, and other screenings. By having regular checkups, you can find out serious health problems at an early stage and take proper action correctly.    

11. Day Care Treatment Coverage 
A number of treatments that earlier needed hospitalization can now be completed through modern outpatient daycare procedures. Several medical health insurance plans currently provide reimbursement for modern treatments like balloon sinuplasty, stereotactic radio surgeries, oral chemotherapy, etc., that do not need hospitalization.  

As the list of these covered daycare modern procedures differs in various health plans, read through the policy documents to learn what is covered below your health plans.   

Choose the best medical insurance in India by knowing their benefits, inclusions, and exclusions. Know your best medical insurance company in India by knowing their claim ratio. Which medical insurance is best in India? Compare the medical insurance plans of medical insurance companies in India to identify which medical insurance is best in India. Choose the top medical insurance companies with the highest claim ratios.  

What features must be considered when choosing a medical insurance plan in India? 

Medical insurance compares many features with various other medical insurance India. To buy medical insurance, consider some factors. The best medical insurance policy in India could be chosen based on the following factors : 

• Sum insured
• Co-payments
• Sub-limits
• Scope of Coverage
• Waiting periods
• Exclusions
• New age advantages such as day 1 PED cover, consumables cover, annual health check-ups, restoration benefits, etc.

Considering such factors, buy cheap medical insurance that is affordable for you but of the best quality.  

How to claim Medical Insurance? 

Know the medical insurance claims processing steps. Medical claim insurance has simple steps. To claim health insurance, you can follow these steps:

Make sure that you inform the insurer of your upcoming expenses within the particular time period in your policy.  

Finish filling out the claim form correctly and get it signed.  

Collect the necessary documents like :

1.  Original bills, receipts, and discharge papers from the hospital.  
2. Doctor's prescription copy and referral letter 
3. Diagnostic test reports
4. Medical reports
5.  Original bills received from pharmacy/chemists 
6. Police FIR if it is a personal accident
7.  Policy Copy(Very important) and medical insurance card. 
8. Policy holder’s ID card

Submit all the necessary documents to the insurer. 

Check claim status online through the insurer's website or mobile app. 

If all the procedures are correct, the insurer will reimburse you for the medical expenses amount spent.

What is a Medical Indemnity Insurance? 

Medical indemnity insurance saves medical professionals from financial losses because of medical malpractice or negligence. It offers coverage for legal costs and compensation payments. This is also called professional indemnity insurance. 

How does it work? 

• It offers coverage for legal costs and compensation payments. 
• This Medical Indemnity Insurance helps safeguard against financial losses from allegations of negligence or malpractice.  
• It covers the cost of investigations, appointing a lawyer, or other legal expenses.
• It covers the cost of defending oneself in court.  

How do you purchase medical insurance online?  

There are many ways to buy medical insurance online. Here are the steps to do so:

• Know your medical requirements correctly. 
• Have a plan for a budget. 
• See for a health plan in which your preferred hospitals and doctors are included.
• See for the illnesses covered under the health insurance plan.  
• Finally, purchase from a reputed health insurance provider. 

Our Speciality Health Insurance Plans

Policy for Diabetes

The evolving lifestyle gives rise to serious diseases and disorders. One such complication is Diabetes. With the rise in medical inflation, having a Diabetes Insurance plan can save you from your financial breakdown. Our Diabetes Safe Insurance Policy is specially designed to cater for the needs of people diagnosed with both type 1 & type 2 Diabetes.

Policy for Cancer

Cancer is a serious threat and one of the leading causes of death across the world. A specific insurance policy for cancer offers cover for hospitalisation, treatment and diagnosis related to cancer. Our Star Cancer Care Platinum Insurance Policy is specially designed for people who are diagnosed with Cancer. In addition, it also provides coverage for non-cancer ailments.

Policy for Cardiac Ailments

Lifestyle changes also come with complications. With ever-increasing risks of cardiovascular illnesses and other associated complications, it becomes crucial that you secure yourself with the one of the best health insurance in India. Our Star Cardiac Care Insurance Policy-Platinum provides wide coverage for cardiac illnesses. It doesn’t stop there. It gives coverage for non-cardiac ailments as well.

Policy for Critical Illness

In most cases, health problems occur unexpectedly and the rising medical inflation adds to the trouble. The treatment for critical illness is expensive and runs for a longer course of time. Do not worry about the treatment expenses because our Star Critical Illness Multipay Insurance Policy, insures you against 37 critical illnesses. The policy provides a lump sum on the diagnosis of critical illnesses under 4 groups.

Wellness is Wealth

Something for Everyone, Regardless of Health Status

Gender & Health Status in India

According to recent health statistics, approximately 47% of men and 61% of women in India are considered unhealthy due to their sedentary lifestyle and diet habits. (Source: Contentful Assets)

Risks of Getting Cancer

The probability of an individual developing cancer in India is 1 in 9. Also, the number of cancer cases will increase by 12.8% in 2025 compared to 2020. (Source: National Center for Biotechnology Information)

Heart Diseases

One major problem that remains a public health challenge in India is cardiovascular diseases that are caused due to several factors, such as unhealthy diets, sedentary lifestyles, stress, and the usage of tobacco or other products. It is essential to take timely medical interventions, early detection techniques, and preventive measures to address this ongoing epidemic.

Mental Health Disorders

Mental health disorders prevail in approximately 14.3% of adults. This proves the significance of comprehensive medical insurance plans as they prioritise mental health coverage and provide effective support. (Source: Statista)

Importance of Health Insurance for Loved Ones

An online health policy has become more essential than ever as there is an increasing need for quality healthcare. The best medical insurance policy will act as a safety net for you and your loved ones and save you against unprecedented situations. Here’s an outlook on the importance of health insurance:

• Cashless health insurance helps policyholders to get affordable healthcare services without the burden of upfront payments.
• Diseases that are considered incurable are super expensive. Private health insurance in India will aid in getting the necessary financial aid.
• Routine check-ups, chronic conditions’ treatment, and preventive care are affordable if you buy the best medical insurance in India.
• Health insurance promotes health issue management and promotes early detection, leading to better health outcomes.
• The insured will have access to amazing medical health care and excellent coverage options such as pre- and post-hospitalisation facilities.
• A common critical illness coverage can protect you and your loved ones as the risk of renal ailments and heart diseases are massively increasing.
• Getting an online health insurance policy in India will give you peace of mind and satisfaction.

Why Star Health is a famous Health Insurance Company?

Our motto is to serve the customers with the utmost care. We listen deeply to you, so we can provide one of the health insurance in India that earn your trust.

We are a Health Insurance Specialist, and here goes our list of most recent achievements on our customer-centric policies:

• India’s Best Health Insurance Company For Retail Product – Insurance Alerts
• Most Innovative New Product of the Year 2020
• Young Star Insurance Policy had been awarded the Most Innovative New Product of the Year at ASSOCHAM’s Insurance E-Summit and Awards 2020
• Best BFSI Brands 2019 by Economic Times
• Best Health Insurance Provider of the year – Business Today, Money Today Financial Awards 2018–2019
• Health Insurance Provider of the year Silver Award by Outlook Money Awards 2018

Reasons to choose Star Health Insurance Company as your Insurance Provider

Customer – centric company

• Products are customer-centric and designed based on customer needs – Star Diabetes Safe Insurance Policy, Star Cancer Care Platinum Insurance Policy, Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy, Young Star Insurance Policy and many more, in the pipeline to serve you just the way our customers want.
• Star Health Insurance acts with a set of core values that include trust and integrity with a customer-first mindset. This enables us to go the extra mile for you with our Health Insurance plans. We consider ourselves privileged to have positively impacted the lives of those who choose to be a part of the Star family.

89.9% of claims settled in less than 2 hours under cashless at our network hospitals
 

• Cashless facility is made available within 2 hours in network hospitals across India. Our in-house claim settlement process is a major factor, which has allowed us to achieve this massive success rate. We ensure a hassle-free claim process and settlement done by qualified in-house doctors.

PAN India presence
 

• Ever-growing 14,000+ network hospitals across India.

Claims settled by qualified doctors
 

• A dedicated internal team of doctors to process your Health Insurance Plan claims, and fast-track the proceedings. This team also weeds out those who use nefarious methods to gain funds and intend to make gain out of Health Insurance.

No Third-Party Administration (TPA)
 

• A claim does justice only when it is settled within the timeframe. Often, many insurance companies avail services of TPA and incentivized for the claim processing. Star Health Insurance does not depend on the TPA but on our in-house claim team to help process claims faster and settle them in shortest time during the most needed hour.

A high-quality free telemedicine facility for all
 

• Health is inclusive, and we believe in access to everybody, not only our customers. Hence, anyone can avail of our free telemedicine facilities. Talk to Star App is a specialised application designed to serve this purpose.

Wellness programs
 

• Star Health Insurance supports the active maintenance of good health with unique wellness programs that encourage a healthy lifestyle.

Other Products

Health Insurance for Individuals

Protect yourself with the best health insurance plan crafted specially for individuals.

View Plans

Health Insurance for Family

Get flexible coverage based on your family size at affordable premiums.

View Plans

Health Insurance for Parents

Golden opportunity to reciprocate the love, care and support to your parents.

View Plans

Health Insurance for Maternity

Get comprehensive coverage for all maternity-related expenses. Also, cover the medical needs of newborns.

View Plans

What is the procedure for Health Insurance claims?

Health Insurance terms you need to know about

It is important to know about certain terms before purchasing health insurance. These terms help to know more about the policy coverage and its criteria. It is important to go through all the terms to avoid major mistakes. However, some terms can be difficult to understand.

Some of the general and common terms that will help you choose the correct health insurance plans are given below.

1. Sum-Insured

Sum-insured is the policy coverage amount.

2. Premium

Premium is the amount you must pay the insurer or the health insurance company against the policy purchased. The premium will depend on the type of policy you choose, the policyholder, age and other factors.

3. Cashless Claims

Cashless claims are health insurance claims that can be availed in the insurer’s network hospitals.

4. Add-On Covers

Add-on covers are additional features that offers additional financial covers in health insurance against unknown medical emergencies that involves high medical costs.

Other names for add-on covers are riders and optional covers. Critical illness, room rent waiver, maternity cover and hospital cash benefit are some of the common add-ons that can enhance your base health insurance.

5. Critical Illness

Critical illnesses are life-threatening medical conditions like kidney failure, cancer and cardiovascular diseases. For such critical illnesses, there are special plans that cover these illnesses. Additionally, you can get an add-on or a rider cover.

6. Network Hospitals

All health insurance companies have a tie-up with a certain number of hospitals in the country. These tie-ups with hospitals are called network hospitals.

7. Automatic Restoration

Most health insurance companies are offering automatic restoration benefits. You will benefit from insurance backup when you have exhausted the sum insured. In automatic restoration sum insured gets reloaded for the next hospitalisation during the policy term.

8. Pre-Existing Disease/Co-Morbidities

Co-morbidities like hypertension, COPD, kidney diseases, diabetes and other major health issues are considered as risk factors for health insurance. So people with any of the co-morbidities mentioned above are charged a higher premium.

9. Exclusions

Exclusions or limitations are circumstances and conditions that health insurance companies will mention in their policy wordings clearly. In such cases, your health insurance claims can get rejected or will not be processed further.

10. Inclusions

Inclusions or coverage benefits are one section that you should check properly. These benefits refer to benefits and other policy features the insurer will compensate you. Some common inclusions include hospitalisation, anaesthesia, surgery, ambulance charges and treatment-related expenses.

11. Waiting Period

In medical insurance, there will be a waiting period for health conditions. During the waiting period, you cannot avail the health insurance claims. The waiting period will differ for various health conditions and insurance policies.

12. Top-Up Plans

Top-up plans are policies that can be bought along with the base policy. When the sum insured by the base policy gets exhausted, the top plans will cover you.  

13. Co-Payment

A copay clause or co-payment is a fixed percentage of the amount the policyholder should pay to the hospital on the expenses in the treatment taken. Copay percentage differs from policy to policy and depends upon the entry age.

What is the need for Health Insurance?

Some of the reasons why health insurance is required:

• Buying the best health plan allows you to access quality healthcare without worrying about medical expenditure.
• Medical insurance ensures the long-term financial security and economic well-being of a family.
• A health insurance policy protects your lifelong savings by covering the pre- and post-hospitalisation expenses and helps you avail cashless medical treatment during emergencies.
• If you have a best health insurance, the associated provider offers preventive health check-up facilities to the insured, depending on the policy conditions and terms.
• Health plan provides the confidence to deal with medical inflation when you are at stake. 
• When you purchase health insurance, you can avail the tax benefit and exemptions in Income Tax provisions for premiums under section 80D (subject to limits). 
   

How to pick a suitable Health Insurance plan from Star?

Star Health, partnered with multiple hospitals across the country, provides cashless services and reimbursement facilities to policyholders seeking medical treatments during emergencies. Here are the reasons to pick a health insurance plan at Star Health:

Sum Insured

Make sure to choose a policy with a coverage at an affordable premium in a policy year for hospitalisation.

Coverage Amount

When opting for health insurance, check the coverage amount under each policy. Choose the policy covering medical expenses like hospitalisation, daycare, ambulance and maternity.

Family Floater Plans

Prefer family floater plans, which will cover the whole family. Family floater plans are affordable and will cover the whole family.

Compare Various Policies

When buying health insurance, it is important to compare various plans and choose the one that suits you. It will also give you an idea about the coverage details and which policy will suit your budget.

Lifetime Renewability

When buying a health policy, ensure to verify the duration of coverage provided by a medical insurance plan and whether it includes limited renewability. This is crucial as the need for a health plan becomes more significant in the later stages of life. Therefore, opt for health plans that offer lifetime renewability.
 
Affordability

Reviewing health coverage appropriately and checking for reasonable premium rates while buying a plan from the health insurance company is essential.

What are the optional add-ons in Health Insurance?

Add-ons or optional features in health insurance can be included in your base policy by paying an additional amount at purchase. In most cases, people choose ad-ons as they are cost-effective and also have significant advantages.

Also known as health insurance riders, add-ons help you avail extra benefits and increase the scope of your current medical insurance policy. Add-ons are highly recommended assets that are worth investing in, as they will allow you to acquire the best health insurance for the future.

What are the Health Insurance eligibility criteria?

Health insurance plans has different eligibility criteria, including age, pre-existing medical conditions, etc. The following conditions must be met to qualify for a health insurance plan. 

Age

• The entry age for adults is 18, and they are eligible for all benefits according to the terms and conditions of the policy. However, the age criteria vary for different policies.

Pre-Medical Screening

• The pre-medical test is a must for policyholders over the age of 45 or 55. However, prior to issuing a policy, most senior citizen health plans need medical exams.

Pre-Existing Disease (PED)

• Pre-existing conditions are diseases diagnosed in the insurer before purchasing the health insurance plan. Pre-existing diseases have a set waiting period during which you are not eligible for all your health insurance benefits.
• You can submit claims for that specific condition under your health insurance plan only after the waiting period. To prevent claim denial, provide the right information about your health issues and lifestyle choices

How to buy the health insurance online from Star health?

Health insurance is India's most overlooked insurance policy, as only approximately 18% of the urban population is covered under any health insurance scheme. (Source: Times of India)

However, given the continuous increase in health disorders and medical expenses, individuals of all ages need the appropriate health insurance plan to be prepared.

The main objective of the best medical insurance plans in India is to offer extensive financial protection for you and your family members. Therefore, it is essential to ensure that you select a health insurance policy that provides adequate coverage and affordable premiums. However, before buying the best mediclaim policy online, it is essential to follow the proper process to ensure you get the best health insurance coverage in India. 

1. Comprehend Your Needs

The initial step when purchasing insurance, whether individual or family health insurance, involves evaluating your specific needs. Look for a health plan that covers a wide array of medical expenses, such as hospitalisation, transportation, and critical illnesses that may be prevalent in your family's medical history. By conducting thorough research, you can easily identify the most suitable plan that aligns with your needs.

2. Compare Plans and Know Your Budget

It is essential to have a budget before purchasing a health insurance policy so that you can consider a low-priced and easy-on-your-pocket health plan. Also, compare various plans and choose a comprehensive plan based on premiums and policy coverage.

3. Choose a Reputed Provider

You should check the reliability and reach of the insurance provider you wish to choose. They play a crucial role in helping you make informed decisions and protecting you financially against medical expenses. 

The optimal choice for health insurance is a high sum insured with the best coverage options under a lower premium. Purchasing health insurance online saves time and eliminates the need to visit a provider or communicate with an insurance agent.

Here are the steps to buy the best health plan online from Star Health:

• Step 1: To get started with the process, click on the “Buy Now” button and enter the requested information, such as name, phone number, email ID, and the PIN code of your city.
• Step 2: Select the insurance plan as per your requirement and pay the premium.
• Step 3: You will receive the complete policy documents at your registered email address.

How to calculate health insurance premiums?

Busting Myths about Health Insurance

#1 People in good health don’t require health insurance

You can reap the long-term benefits of health insurance even when you’re healthy and young. Health insurance protects you from any unforeseen health.

#2 Insurance doesn’t cover pregnancy

There are insurance policies with maternity coverage subject to certain terms and conditions. 

#3 Your entire medical expenses will be reimbursed

The amount of reimbursement depends on the policy. Most plans cover room charges based on the sum insured, and any excess must be paid by the insured. A policy may have sub-limits for other costs which are subject to partial reimbursement. 

#4 Online health insurance purchases are not safe

Health insurance sales have gradually increased online. However, many believe that online transactions could result in fraud. This is untrue since insurers have launched online portals for easier policy purchases. 

Key Benefits of Health Insurance Plans in India

Health insurance plans provide multiple health benefits to the insured depending on the policy terms and conditions. Here are the key benefits of buying health insurance plans in India:

• Cashless Services : Star Health provides customer-centric services such as cashless facilities and promoting a healthy lifestyle.
• Hospitalisation Expenses : We have comprehensive health plans covering medical expenses incurred before hospitalisation and follow-up treatment expenses after discharge.
• AYUSH Treatment : Health insurance provides the cost for medical treatment through the AYUSH school of medicines, which includes Unani, Ayurveda, Siddha, Homeopathy, and Yoga.
• Day Care Procedures : You can also avail day care treatments that need hospitalisation for less than 24 hours.
• Pre-Existing Diseases : We at Star Health provide coverage for pre-existing diseases after you have completed the waiting period. The waiting period may differ based on the insurer’s policy terms.
• Access to Telemedicine & Wellness Facilities : Star Health offers free health check with options of free vaccinations (influenza and pneumococcal), home health care, and OPD covers to opt for.

Though all have to be treated equally in terms of healthcare, women still need extra care for their health. This is because many women potentially manage their families as well as their work without taking time to care about themselves. On the Ministry of Labour and Employment page, it was stated that during 2022–23, the participation of women in the labour force increased to 37.0% (amended from time to time).

However, many women feel that caring for their health might lower their bank savings which they can rather spend on their family needs. So, to take care of the health of female members in your family, it is great to select an appropriate insurance policy. 

How does health insurance cost differ depending on different conditions?
 

Health insurance costs differ because of factors like your age, existing pre-existing conditions (like hypertension or diabetes), lifestyle choices (like smoking), family history of illness, and the place you live (location impacts the cost of healthcare in that zone). An insurance company evaluates these "conditions" to check your risk levels. The health insurance cost differs depending on the following conditions. 

1. Age

The health insurance premium amount varies with age, as older people are at a higher risk of illness and need extensive medical care. 

2. Pre-existing Conditions

Conditions such as diabetes, hypertension, or thyroid problems result in higher premiums as they indicate a greater risk for the insurer. 

3. Medical History & Family History

A history of repetitive illnesses or a family history of severe diseases can raise your premium, as it suggests a higher likelihood of future health problems. 

4. Lifestyle Choices

Risky habits like excessive alcohol drinking or smoking can increase premiums. 

5. Gender

Usually a minor factor, factors such as pregnancy, childbirth, and some gender-specific conditions could impact premiums. 

6. Sum Insured

A higher coverage amount (sum insured) will directly result in a higher premium. 

7. Type of Plan

Comprehensive policies with extensive coverage for hospitalisations, outpatient care, and other advantages will have higher premiums. 

8. Deductibles & Co-payment

Choosing higher deductibles or co-payment amounts lowers your premium, but you need to pay more out-of-pocket when you make a claim. 

9. Add-on Coverages

Extra benefits or riders for specific illnesses or treatments will raise the total premium. 

10. Location

Premiums can be higher in regions with higher healthcare costs and expenses, called zone-based classification.  

What is the right time to take the best health policy? 

The right time to buy a health insurance policy is as early as you become financially stable, as premiums are significantly smaller and health insurance coverage advantages are better when bought at a younger age. Purchasing a health policy in your 20s and 30s provides lower premiums, comprehensive coverage, and the capability to develop a constant financial safety net before major expenses or health issues occur. But purchasing the best health policy(health insurance policy) at any age is advantageous for financial security, though premiums and potential exclusions will be higher in later years. Always choose the best policy considering factors like coverage amount, waiting period, etc. 

Star Women Care Insurance Policy

Star Health Insurance offers the Star Women Care Insurance Policy was uniquely designed to meet the expenses for women healthcare. This health insurance offers two coverage options for the adult aged between 18 to 75 years, and girl child between 91 days to 25 years. 

This health insurance for women serves as a reasonable approach for important healthcare expenses like health coverage for all day care procedures, non-medical items expenses, air ambulance charges, new born coverage, coverage for miscarriage due to accident, Ante-Natal Care expenses, AYUSH treatment, inpatient expenses, bariatric surgery hospitalisation expenses, rehabilitation and pain management charges, etc. 

What is Star Women Care Insurance Policy? 

Star Women Care Insurance Policy is a policy created particularly for females to cover diseases like breast cancer, neck tumor, arthritis, ovarian cancer, blood pressure, diabetes, and heart stroke.

Benefits of Star Women Care Insurance Policy 

Star Women Care Insurance Policy has covered many expected benefits for women health care. The benefits are as mentioned below: 

• The inpatient expenses incurred on hospitalisation of at least 24 hours, like the room rent and boarding cost are covered.  
• Delivery expenses for a normal or caesarean (pre-natal and post-natal expenses), till a maximum of two deliveries in the lifetime of the policy are covered.
• It includes the road ambulance charges, which is available only if the hospitalisation claim is accepted by Star Health & Allied Insurance Company. 
• Pre-hospitalisation medical charges incurred up to 60 days prior to getting admitted to a hospital.  
• It includes the post-hospitalisation expenses incurred until a maximum of 90 days after getting discharged from the hospital.
• The expenses for the assisted reproduction treatment is included once in a policy year at the time of sub fertility.  
• The Utero Fetal surgery or repair costs including the fetendo fetal surgery, fetal image-guided surgery, EXIT procedure, and open fetal surgery are covered. 
• Voluntary Sterilisation expenses cover is available if the insured is married and is at a minimum age of 22 years old.  
• OPD medical consultation costs are included in this policy. 
• Also, this policy provides unlimited gynaecologist consultations via the Star Telehealth app. 
• Only 12 modern treatments, like stem cell therapy, intra vitreal injections, etc, are covered. 

Exclusions of Star Women Care Insurance Policy

Though our Star Women Care Insurance Policy has many benefits, some expenses are not included under our policy. This health insurance for women excludes the below given expenses: 

• Sterility and infertility (except assisted reproduction treatment) expenses are not covered.
• Charges of non-accidental miscarriages and intentional self-injury are not included. 
• Cost of dietary supplements and substances are not included.
• This policy does not cover congenital external anomalies and dental treatment expenses. 
• It does not include expenses for obesity and weight control treatments. 
• Cosmetic or plastic surgery costs are not covered. 
• Expenses for treatment of alcoholism or drug addiction are excluded. 
• Expenses for change of gender treatments are not supported. 

Latest Products Related to Health Insurance at Star Health

Special Care Gold, Star Health And Allied Insurance Company Limited (UIN: SHAHLIP23182V012223)

 
Star Health Insurance has introduced a ground breaking insurance policy in Braille, particularly designed for individuals with visual impairments. The “Special Care Gold” policy provides personalised coverage for those with a disability of 40% or greater. This initiative seeks to increase health coverage and support services for a vital yet underserved demographic.

 
This policy goes beyond conventional health insurance offerings by providing comprehensive support and coverage with disabilities. This policy creates the way for an inclusive insurance landscape, particularly for the 34 million visually impaired individuals in India. It democratises the access to quality health insurance and also promotes financial inclusivity by creating sustainable income opportunities for this marginalised community.

Super Star Plan (UIN: SHAHLIP25036V012425)

 
Super Star Plan is a long-term policy designed to offer flexibility and customisation to meet the evolving needs of customers. This plan is available for both individuals and families, featuring a five-year policy term. The Super Star plan provides modular coverage which grows as policyholders progress through various life stages.

 
This policy allows customers to tailor their coverage to their particular requirements. The plan aims to provide value and adaptability in an ever-evolving health insurance market.

 
Super Star Plan offers unparalleled flexibility, enabling individuals to customise their coverage during critical life moments. This plan establishes a new milestone in personalisation and ensures reassurance with comprehensive long-term healthcare.