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Health Insurance Plans for Family

Secure your family with our best health insurance policies

We have the answer to your happy and secure future

A family is a gift and the most important thing in our lives. A happy family is made of love and good health. For that reason, Star Health provides an array of family health insurance plans. 

Our family health insurance plans are designed with you and your family in mind. These plans offer varied benefits tailored to ensure you make the best choice in securing every member of your family.


5 Major Reasons to buy Family Health Insurance Plan


1. Financial Security 


Investing in a good family healthcare plan makes sure that your financial commitments are reduced in the event of a tough healthcare situation. Availing medical treatment for certain health emergencies can deeply impact your financial stability, offsetting your plans. With changing lifestyles, we are exposed to severe diseases and illnesses. In such events, gathering funds could get difficult and that is when health insurance cover comes in handy. Your health insurance plan will allow you to cover the costs of hospitalisation expenses, treatment costs, domiciliary expenses, ambulance charges, and more depending on the type of your policy. 


2. Peace of Mind 


Investing in a health insurance policy ensures that the medical expenses of your loved ones are secured, giving you peace of mind. When you and your family are financially secure, there is more peace of mind in your recovery process.


3. Quality treatment


All your family members can avail quality healthcare under a family health insurance plan, providing cashless hospitalisation in Network Hospitals across multiple cities in India. One can get treatment at a hospital of their choice.


4. Increasing healthcare costs


The stark reality of today is that everything is getting expensive, including healthcare. The average cost of healthcare has soared steadily, making certain treatments uneconomical to the common man. A good family health insurance plan can ensure that all members of the family get the best treatment without suffering the loss of savings.


5. Tax Exemption


The insured can enjoy tax benefits on the premiums paid towards a health insurance policy under Section 80D of the Income Tax Act, 1961. And if you pay the health insurance premiums for yourself as well as for your family, then the deductions can be clubbed together and can avail tax deductions every year.


Recommended Family Health Insurance Plans


Young Star Insurance Policy (UIN: SHAHLIP23164V072223)


The Young Star Insurance Policy is for growing, responsible millennials, under 40 years of age focusing on a healthy life for their family. The insured family can cover all healthcare expenses resulting from hospitalisation with this health insurance Plan. It includes special features like automatic restoration, modern treatment cover, additional sum insured for Road Traffic Accident (RTA), delivery expenses (under Gold Plan) etc.  The insurance policy is available for the age group of people between 18 and 40 years.

This policy can be availed either on an Individual or Floater basis. Under Floater basis, the policy covers self, spouse and up to three dependent children (2 adults + 3 children) with lifelong renewability.Dependent children can be included between the age of 91 days and 25 years.

The Young Star Insurance Policy provides a wide sum insured option of ₹ 3 lakhs on an Individual basis and ₹ 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 lakhs on an Individual and Floater basis. The policy term is 1 year/2 years/3 years. Premium can be paid Quarterly and Half-yearly. Premium can also be paid Annual, Biennial (Once in 2 years) and Triennial (Once in 3 years).


Family Health Optima Insurance Plan (UIN: SHAHLIP23164V072223)


Family Health Optima Insurance Plan is for any person aged between 18 and 65 years. This policy provides wide family coverage including self, spouse, dependent children not exceeding three in number, dependent parents and dependent parents-in-law. 

The sum insured provided under this health insurance policy is ₹ 3 / 4 / 5 / 10 / 15 / 20 / 25 lakhs. Health check-up is covered for every claim-free year up to the limits mentioned in the policy. This policy comes with 3 times automatic restoration of the sum insured by 100% for every complete exhaustion of the limit of coverage, during the policy period.

Further, this Health Insurance Plan offers an array of unique features such as cover for all day-care procedures, repatriation of mortal remains, compassionate travel, emergency domestic medical evacuation, domiciliary hospitalisation, donor expenses for organ transplantation, coverage for newborn baby from the 16th day of birth, recharge benefit, additional sum insured for road traffic accidents, assisted reproduction treatment and more.


Star Comprehensive Insurance Policy (UIN: SHAHLIP22028V072122)


Star Comprehensive Insurance Policy provides cover up to ₹ 1 Crore. As medical expenses are on the rise, this health Insurance Plan gives policyholders financial assistance in times of health crisis. It’s a complete family health insurance policy offering coverage to the family members under one sum insured.

The family members including dependent children can be covered under this policy from the age of 3 months to 65 years. Dependent children are covered until they turn 25 years of age. Lifelong renewals are guaranteed. 

The policy offers an extensive range of benefits for your family’s medical needs. Star Comprehensive Insurance Policy covers medical expenses incurred on bariatric surgical procedures, normal and cesarean delivery expenses, newborn baby cover, domiciliary hospitalisation, medical consultation as an out patient, hospital cash benefits and more. This policy also provides worldwide cover for Accidental Death and Permanent Total Disablement.


Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd. (UIN: SHAHLIP22027V032122)


Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd. is a standard policy mandated by IRDAI that aims to offer financial protection to you and your family in times of medical emergencies. The family floater plan is available to people between the age of 18 and 65 years along with lifelong renewal. Dependent children from 3 months to 25 years are covered under the policy.

Arogya Sanjeevani policy allows you to include yourself, your spouse, dependent children and parents/parents-in-law with the sum insured ranging from ₹ 50,000 to ₹ 10 lakhs (in multiples of Rs. 50,000/-). Simple yet full of essential benefits, this policy is a great option for the family. Coverage includes in-patient hospitalisation, day care procedures, AYUSH treatment, road ambulance expenses, cataract surgery, modern treatments and so on. The policy offers a 20% discount on premium for the rural population.


Senior Citizens Red Carpet Health Insurance Policy (UIN: SHAHLIP22199V062122)


Senior Citizens Red Carpet Health Insurance Policy is a policy for senior citizens offered for the age group of 60 to 75 years with the sum insured options of Rs. 1 / 2 / 3 / 4 / 5 / 7.5 / 10 / 15 / 20 / 25 lakhs. The policy can be renewed, thereafter for a lifetime. With this plan in place, elderly people can take care of their medical expenses with ease.

The policy offers a wide array of benefits like no requirement for a pre-insurance medical test, coverage for day care procedures, pre-existing diseases (covered with a waiting period of 12 months), modern treatments, and premiums that remain constant irrespective of age. The policy is available for a term of 1, 2 or 3 years.


Star Super Surplus (Floater) Insurance Policy (UIN: SHAHLIP22034V062122)


Star Super Surplus (Floater) Insurance Policy is a top-up plan offering cover for the family, designed to provide financial assistance over and above the threshold limit of Sum Insured of your base policy. Providing a higher sum insured at an affordable premium. It is a top-up plan to cover your bills when your existing insurance plan falls short. 

The policy is available on a Floater basis for the age group of 18 and 65 years and covers dependent children aged from 91 days to 25 years.

Policy options include Silver and Gold plans with a policy term of one/two years and lifelong renewals. The major coverage under this plan comprises day care procedures, in-patient hospitalisation, modern treatment, etc. Under Gold Plan delivery expenses, organ donor expenses, air ambulance cover, recharge benefits are covered.


Get to know the benefits of investing in health insurance


‘Health is wealth’, is perhaps the most common saying which we have heard all our life.  Health insurance has become one of the necessities of life and is as important as staying healthy. Health insurance plans can go a long way in easing our medical urgency which might turn complicated if one is not well-prepared in advance. So, here are a few benefits offered by Star Health Family Health Insurance Plans


  1. In-patient hospitalisation 
  2. Pre-hospitalisation 
  3. Post-hospitalisation
  4. Domiciliary hospitalisation
  5. Ambulance expenses
  6. Day care treatments
  7. AYUSH treatments
  8. Second medical opinion
  9. Delivery and new-born cover
  10. Organ donor expenses
  11. Modern treatments
  12. Road Traffic Accidents (RTA)
  13. Cataract treatment
  14. Bariatric surgery
  15. Personal accident cover
  16. Air Ambulance
  17. Compassionate travel
  18. Shared accommodation benefit
  19. Automatic restoration
  20. Out-patient medical consultation
  21. Out-patient Dental and Ophthalmic treatments
  22. Hospital Cash Benefit
  23. Annual health check-up
  24. Wellness Reward
  25. TeleMedicine Service – talk to Star


How to select the right family health insurance plan


With the abundance of choices, selecting the right family health insurance plan can be a tough task. Here are the key checklists before taking a health cover.


  • Compare the policies
  • Check for the in-house claim process
  • Check the claim settlement ratio
  • Know your residential pin code
  • Know your family size
  • Calculate the highest age of the family member
  • Identify the sum insured that suits your requirement
  • Get one that suits your needs


Due to rising medical costs and day-to-day risks, the reasons to buy family mediclaim policies have become necessary for every family. Health emergencies do not come with prior warning and the treatment cost for the same could eat up the savings of your entire life. This is why mediclaim policies are an absolute necessity today and therefore you must ensure that you and your family are protected under the best health insurance policy.


Eligibility criteria to get the policy


When purchasing health insurance, we often wonder if all our family members qualify. Insurance eligibility is primarily determined by the following: 


  • Age

Any adults aged between 18 and 65 years can avail family health insurance. However, dependent children are covered from 16 days up to 25 years of age.


  • Previous Medical Conditions / Pre-Existing Illnesses

When buying health insurance, you must disclose your medical history. Certain pre-existing diseases may be covered after the waiting period, while others may be covered under special products like Cardiac Care, Diabetes Safe, Cancer Care and Special Care for Autism Child.


How to Make a Claim for your Star Health Insurance


We offer a hassle-free and customer-friendly claims process that ensures all settlements are processed on time. As a health insurance specialist, we offer cashless facility available across all hospitals in our network across India. We are committed to maintaining high standards of customer service, attention, speed, and efficiency. Customers’ feedback is important to us, and we strive to meet and exceed your expectations.


How to get claims faster?


  • The Star Health website contains a list of Network Hospitals, including agreed Network Hospitals
  • Using the Network Hospital list on our website (, find the nearest Network Hospital near your residence.
  • For planned admission contact the hospital with the Policy copy and ID proof like Pancard, Adhar card, etc.,of the Insured patient and Proposer which will be sent along with the pre-authorisation form.
  • Your contact number must be included in the pre-authorisation form.
  • Authorisation requests may be delayed if details are incomplete.


Cashless Facility Procedures: 


Reach out to the insurance desk at a Network Hospital. Intimation can be given either through contacting us at 1800 425 2255 / 1800 102 4477 or e-mailing us at


  • Inform the Operator to obtain the Claim Number
  • Customer ID / Policy No.
  • Cause of Hospitalisation
  • Hospital Name
  • Insured/Patient Name


Planned hospitalisation can be notified between 7 and 10 days in advance, and emergency hospitalisation can be notified within 24 hours of hospitalisation.


  • Register claim.
  • Reach the insurance desk and submit documents at the network hospital. 
  • Documents sent to Star Claims Team.
  • Documents verified by our In-house Claim Processing Team.
  • The decision to approve/query/denial of cashless/rejection conveyed to the Network Hospital within 2 hours.
  • If approved, the claim is settled as per the policy conditions.
  • Payment will reach the Network Hospital.


 Reimbursement claim procedures: 


Prior notice about the treatment is given to the insurer (Insurance Company) and the insured pays the hospital bills. After discharge, the insured claims reimbursement for those expenses within 15 days.


Documents in Original to be submitted for Reimbursement claims:


  • Duly completed claim form, along with Seal and Sign of the treating Doctor in the part B of the claim form
  • Pre-admission investigations and treatment papers
  • Discharge summary from the hospital
  • Final Bill with detailed break up
  • Cash receipts from the hospital and chemists
  • Cash receipts and reports for tests done
  • Receipts from doctors, surgeons and anaesthetists
  • Certificate from the attending doctor regarding the diagnosis
  • Copy of PAN card, cancelled cheque or NEFT details of the proposer.


You may also reach out to our 24/7 customer care to get your queries cleared.


Benefits of Buying Family Health Insurance Plans


Family health insurance helps you keep your close ones together. It enables you to deal with mental anxiety and prepares you to face any physical ailments that may detract from the quality of life you and your loved one lead. Simply put, it allows you to focus on the betterment of those that always come first, the people you love.  


We understand you want to give your family the very best in life. This makes it necessary for you to ensure that even the mildest threats to their well-being are addressed with the best viable treatment.


The benefits of Star Health family plans are industry-leading and fulfil your needs through various offerings.


In-patient Hospitalisation


Our plans cover you for in-patient hospitalisation which includes room rent, ICU charges, operation theatre charges, doctor fees, nursing charges, anaesthesia, and more. Cashless treatment facilities are available across India in our network of hospitals.


Delivery and new-born  


Our health insurance plans ensure coverage for pre-and post-natal expenses, normal delivery and cesarean section expenses. Under such policies, if the delivery is paid and occurs in the middle of the policy period the new born baby from day 1 for treatments, vaccination and complications till the expiry of the policy without any additional Premium upto the limits specified. 


Out-patient Dental and Ophthalmic treatment


Our specialised health insurance plans cover the expenses like the insured’s visit to a clinic for illness, the consultation fees and other services like injection, wound dressing etc. Similarly, it can cover expenses for medicines at the pharmacy, diagnostic tests like X-rays, blood tests etc, at the laboratory and minor procedures for which you don’t have to get admitted to a hospital. Under our family mediclaim policies, you can receive dental and ophthalmic treatments as an out-patient upto the specified limit after a specific waiting period.


Organ donor expenses  


Manage your organ donor expenses with various policies of star health. When the insured is in the need of organ transplantation, our family health insurance plans can cover the cost of surgery and harvesting of the organ up to the specified amount mentioned in the policy clauses.


Health Check-ups  


“Prevention is better than cure”. You can get your health check-up costs covered after every claim-free year with our family Mediclaim policies.


Option for Second Medical Opinion  


Policyholders are allowed to get a second medical opinion from a doctor in Star Health’s network of medical practitioners.  


AYUSH treatments  


Our plans include coverage of in-patient hospitalisation expenses of your family members for the following treatments, provided the treatments are taken in Government hospitals and/or Government/ recognised institutes that are accredited by the Quality Council of India/National Accreditation Board on Health. The following treatments are payable up to the limits mentioned in the policy.


1. Ayurveda 

2. Unani

3. Siddha

4. Homeopathy 


Personal Accident Cover


Our plans provide personal accident cover which provides lump sum benefit in case of death or Permanent total disablement of the insured person resulting from an accident as specified in the Policy . 


Star Wellness Program


The wellness program seeks to help policyholders begin, improve and maintain an active and healthy lifestyle. The insured person can make use of the Star Wellness Program offered by most of our policies to maintain good health. 


Through this program, we motivate you and your family to lead an active life. Therefore, in our policies, we offer renewal discounts in premium for the earned wellness point by taking part in the Star Wellness Program.  


What are the advantages of buying family health insurance online?


  • Time Saver

You can purchase an insurance policy online that suits you without any hassle. It also facilitates easy online renewals. You can receive quotes directly over the internet in much less time.  


  • Easy Comparisons 

In the digital age, it's much easier to compare more and more policies online. In general, every insurer provides detailed information on their website.


  • Better Decisions 

There will be access to all the necessary information, such as policy quotes, benefits covered, exclusion list, and terms and conditions which make it easier to compare different health insurance policies to make an informed decision. By doing a comparative study on the internet, you get a better understanding of health insurance policies, which leads to a better decision.


  • 24x7 Information 

Obtaining information about your insurance policy online is possible around the clock. 


  • Discounts

You can often get discounts when you buy health insurance online from an insurance provider's website. Most Star Health Insurance Policies offer a 5% discount for first-time buyers online. 

Family Health insurance provides financial protection in the event of an illness or accident. Family health insurance is a floater policy where any family member can utilise the entire sum insured. Family coverage differs from one policy to another.