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THE HEALTH INSURANCE SPECIALIST

Health Insurance Plans

Health Insurance has become an inevitable part of securing your health and financial well-being. We ensure your secured future with an array of our Health Insurance Policies.

Star Health Insurance offers several benefits to the insured, including quality medical check-ups, coverage for treatment expenses, cashless hospitalisation, and more.

We have the answer to your happy and secure future

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Crore+
Claims settled in FY 2022-23
/5
Rated Insurance Company
Crore+
Rupees claim amount settled since inception
INSURANCE

Health Insurance Catered for Everyone

Spending for your health is not an expense but an investment. With ever-increasing health risks, Medical Insurance has become essential for everyone, irrespective of age. By keeping this in mind, we offer the best mediclaim plans to safeguard you and your family from financial troubles and help you never compromise on your health. 

We provide the best health insurance policies in India that help individuals with timely support during the complete phase of claim settlement and offer expedient guidance to individuals and families. Buying a medical insurance plan is the safest way to ensure your well-being during a health emergency.

All Health Plans

Best Health Insurance Plans to secure yourself

Arogya Sanjeevani Policy
Arogya Sanjeevani Policy

Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.

Rural Discount: 20% discount on premium for the rural population 

Modern Treatments: Get cover for Modern treatments up to 50% of the Sum Insured 

AYUSH Cover: Covers hospitalisation expenses towards AYUSH treatments

Health Insurance for Diabetes
Health Insurance for Diabetes

Diabetes Safe Insurance Policy

Diabetic Cover: Designed to cover people diagnosed with both type-1 and type-2 diabetes 

Family Cover: Can also avail this policy on a floater basis(self & spouse) if either of them is diabetic 

Automatic Restoration: Get 100% of the Sum Insured restored once in a policy year for Individual plan

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Family Health Insurance
Family Health Insurance

Family Health Optima Insurance Plan

Automatic Restoration: 100% of the Sum Insured is restored thrice in a policy year  

Additional Sum Insured for Road Traffic Accident: The Sum Insured is increased for Road Traffic Accident on exhaustion of the limit of coverage 

Recharge Benefit: Get additional indemnity once in a policy year on exhaustion of the limit of coverage

Individual Health Insurance
Individual Health Insurance

Medi Classic Insurance Policy (Individual)

Restoration Benefit: 200% of the basic Sum Insured is restored once in a policy period 

Road Traffic Accident: The Sum Insured is increased for Road Traffic Accident on its exhaustion 

Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available

Senior Citizen Health Insurance
Senior Citizen Health Insurance

Senior Citizens Red Carpet Health Insurance Policy

Elderly Cover:  Designed for the age group of 60 – 75 years with lifelong renewals 

Outpatient Cover: Get cover for medical consultations as an outpatient at Network Hospitals 

Pre-insurance Screening: Pre-insurance screening is not required to avail this policy

Star Cancer Care Health Insurance
Star Cancer Care Health Insurance

Star Cancer Care Platinum Insurance Policy

Exclusive Cover: Specially designed policy for people diagnosed with Cancer 

Wide Cover: In addition to Cancer, it also covers regular hospitalisation expenses unrelated to Cancer 

Lump Sum Cover: As an optional cover, a lump sum is provided for recurrence of Cancer, metastasis and/or second malignancy unrelated to first Cancer

Star Cardiac Care Health Insurance
Star Cardiac Care Health Insurance

Star Cardiac Care Insurance Policy

Cardiac Cover: Covers person diagnosed with Cardiac ailments aged between 10 and 65 years 

Non-Cardiac Cover: Also covers Non-Cardiac ailments and accidents 

Pre-insurance Screening: Pre-insurance screening is not required to avail this policy

Star Cardiac Care Health Insurance Platinum
Star Cardiac Care Health Insurance Platinum

Star Cardiac Care Insurance Policy-Platinum

Exclusive Cover: Specially designed policy for people diagnosed with Cardiac ailment or disorder 

Pre-insurance Screening: Pre-insurance screening is not required to avail this policy 

Cardiac Devices: Get up to 50% of the Sum Insured for Cardiac devices

Star Comprehensive Insurance Policy
Star Comprehensive Insurance Policy

Star Comprehensive Insurance Policy

Automatic Restoration: Get 100% of the basic Sum Insured restored once in a policy year 

Buy-back PED: Optional cover to reduce the waiting period in respect of Pre-Existing Diseases 

Mid-term Inclusion: Newly married/wedded spouse and new born baby are covered on payment of additional premium

Star Critical Illness Multipay Insurance Policy
Star Critical Illness Multipay Insurance Policy

Star Critical Illness Multipay Insurance Policy

Unique Cover: The policy covers 37 major critical illnesses 

Star Wellness Program: Avail premium discounts for maintaining a healthy lifestyle 

Pre-insurance Screening: Pre-insurance screening is not required until 50 years of age to avail this policy

Star Extra Protect
Star Extra Protect

Star Extra Protect - Add on Cover

Add on Cover: Get the limits of your base policy enhanced with an affordable premium
Modern Treatment: Expenses are covered up to the Sum Insured of the Base policy if there is an admissible claim under the base policy
Claim Guard: Get cover for non-medical items if there is an admissible claim under your base policy

Star Health Assure Insurance Policy
Star Health Assure Insurance Policy

Star Health Assure Insurance Policy

Family Size: Covers 6 Adults and 3 Children including, self, spouse, parents and parents-in-law 

Automatic Restoration: Sum Insured will be restored unlimited number of times and maximum up to 100% each time

Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available

Star Health Gain Insurance Policy
Star Health Gain Insurance Policy

Star Health Gain Insurance Policy

Wide Cover: Provides broad cover for both in-patient hospitalisation and outpatient expenses 

Modern Treatment: Expenses are covered either as in-patient hospitalisation or day care procedures 

Outpatient benefit: Outpatient expenses incurred at any Networked Facility are covered

Star Health Premier Insurance Policy
Star Health Premier Insurance Policy

Star Health Premier Insurance Policy

Special Policy: Designed for people aged 50 years and above without any maximum age limit 

Pre-insurance Screening: Pre-insurance screening is not required to avail this policy 

Health Check-Up Discount: 10% premium discount is available if listed health check-up reports are submitted at the inception of the policy and subject to the findings in the submitted report

Star Hospital Cash Insurance Policy
Star Hospital Cash Insurance Policy

Star Hospital Cash Insurance Policy

Lump-Sum Benefit for Hospitalisation: Designed to provide daily cash benefit for incidental expenses on hospitalisation 

ICU Hospital Cash: Get up to 200% of the hospital cash amount (per day) in case of ICU hospitalisation 

Accident Hospital Cash: Get up to 150% of the hospital cash amount every 24 hours of hospitalisation in case of accidents

Star Micro Rural and Farmers Care
Star Micro Rural and Farmers Care

Star Micro Rural and Farmers Care

Rural Cover: Exclusively designed for rural population

Pre-insurance Screening: Pre-insurance screening is not required to avail this policy 

Less Waiting Period: PED & Specific Diseases are covered just after 6 months

Star Out Patient Care Insurance Policy
Star Out Patient Care Insurance Policy

Star Out Patient Care Insurance Policy

Outpatient Cover: Outpatient consultation expenses are covered at Network Hospitals 

Diagnostic & Pharmacy: Expenses are covered at Network Hospitals 

Dental & Ophthalmic: Expenses are covered at Network Hospitals

Star Special Care
Star Special Care

Star Special Care

Special Cover: A unique policy designed for people diagnosed with Autism Spectrum Disorder
Medical Screening: Pre-insurance screening is not required to avail this policy
Modern Treatment: Expenses for Modern Treatments are covered up to specified limits

Star Women Care Insurance Policy
Star Women Care Insurance Policy

Star Women Care Insurance Policy

Unique Cover: A specially designed policy that provides multi-fold benefits for women 

Automatic Restoration: 100% of the Sum Insured is restored once in a policy period 

Delivery Expenses: Normal & C-section delivery expenses are covered (including pre and post-natal)

Top-up Health Insurance
Top-up Health Insurance

Super Surplus Insurance Policy

Top-up Plan: Get enhanced health coverage at an affordable premium 

Recharge Benefit: Get additional indemnity on exhaustion of the Sum Insured at no additional cost 

Long-Term Discount: If the policy is opted for a term of 2 years, then 5% premium discount is available

Young Star Insurance Policy
Young Star Insurance Policy

Young Star Insurance Policy

Automatic Restoration: 100% of the Sum Insured is restored once in a policy period 

Mid-term Inclusion: Entitles you to add newly married or wedded spouse, legally adopted child and new born baby in the middle of the policy year 

Loyalty Discount: 10% discount for opting the policy before 36 years and continuously renewing it beyond 40 years of age

Special Care Gold
Special Care Gold

Special Care Gold, Star Health And Allied Insurance Company Limited

Unique Policy: Designed to provide cover for Persons with Disability or/and Individuals with HIV/AIDS
AYUSH Cover: Hospitalisation expenses towards AYUSH treatment are covered up to 50% of the Sum Insured
Pre-insurance Screening: Pre-Policy Medical check-up is not required to avail this policy

Young-star-add-on-cover
Young-star-add-on-cover

Young Star Extra Protect–Add on Cover

Enhanced Cover: Get enhanced coverage limits of your base policy at an affordable premium
Non-medical Items Cover: Get coverage for non-medical items if there is an admissible claim under your policy
Ayush Treatment: Get cover for AYUSH treatments up to the Sum Insured of the base policy

New

Smart Health Pro

Pre-insurance Screening:  Pre-insurance screening is not required to avail this policy
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period 
AYUSH Treatment:  Hospitalisation expenses towards AYUSH treatments are covered

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HEALTH INSURANCE

What is Health Insurance?

Health Insurance is a shield that protects you and your family from financial instability during health emergencies. Against the common misconception that Medical Insurance is only for the elderly or people with health risks, its necessity is indispensable for everyone. A Health Insurance plan offers peace of mind in times of hospitalisation by taking care of your medical bills. 

 

Uncertainties like COVID-19 have taught us the necessity of Medical Insurance. On the other hand, with the continuous spike in medical inflation, a Health Insurance plan can save your day either by providing cashless treatments or reimbursements on the incurred medical expenses. The flexibility of our Health Insurance is as such it can be availed either on an Individual or Floater basis to get wide coverage.

IMPORTANCE OF INSURANCE

Why Do I Need a Medical Insurance Plan?

The rising medical costs and an ever-increasing number of diseases make Health Insurance a necessity. At current times, while making your financial planning, never miss out to add Health Insurance to your list.

Cashless Treatment

Cashless treatments are available at the Network Facilities that work in agreement with the Insurance Company. The cashless treatment facilitates you to concentrate on your recovery rather than worrying about your medical bills.

Financial Assistance

Make sure not to miss out on Health Insurance while planning your finance. Insuring yourself and your family members will make it certain that you are financially backed up in times of need. Medical inflation is ever-rising, so a sudden medical emergency may drain your saving.

 

Covers Pre-existing Diseases

Most Medical Insurance Policies cover Pre-existing Diseases. Any medical conditions or ailments from which the policyholder is already suffering before opting for the Medical Insurance Policy is referred as Pre-existing Disease.

Lifestyle Changes

The rising health complications are linked to the current lifestyle and environmental pollution. This necessitates the importance of being secured with a mediclaim plan, which can shield yourself and your family from financial troubles.

Medical Inflation

The cost of health care has multiplied over the years. It is not wise to solely depend on your savings to cover your medical needs. With the best Health Insurance, you do not have to worry about medical expenses to avail quality treatment.

Ambulance Expenses

Like the hospitalisation cover, it is important that the transportation expenses of the person to the hospital are taken care of during health emergencies. It implies the necessity of a Medical Insurance plan which covers ambulance charges.

Pre & Post-Hospitalisation
When it comes to health conditions, one often thinks only about hospitalisation expenses. But what about the costs incurred before and after hospitalisation? A mediclaim plan covers such expenses, thus, relieving you from financial stress.
Annual Health Check-up

Having a periodic health check-up helps you prevent various health problems. Besides providing cover for incurred medical expenses, Health Insurance Policies also facilitate annual health check-up that helps keep your health on track.

COVID-19 Cover

Pandemics like COVID-19 remind the importance of health and the necessity of Medical Insurance. So, to be financially stable even during uncertainties, buying Health Insurance becomes essential.

Tax Benefits

Medical Insurance is an essential investment for which you can avail the tax exemption. Under Section 80D of the Income Tax Act, 1961, a taxpayer can avail tax exemptions on premiums paid toward mediclaim policies.

Cashless Treatment

Cashless treatments are available at the Network Facilities that work in agreement with the Insurance Company. The cashless treatment facilitates you to concentrate on your recovery rather than worrying about your medical bills.

Financial Assistance

Make sure not to miss out on Health Insurance while planning your finance. Insuring yourself and your family members will make it certain that you are financially backed up in times of need. Medical inflation is ever-rising, so a sudden medical emergency may drain your saving.

 

Covers Pre-existing Diseases

Most Medical Insurance Policies cover Pre-existing Diseases. Any medical conditions or ailments from which the policyholder is already suffering before opting for the Medical Insurance Policy is referred as Pre-existing Disease.

Lifestyle Changes

The rising health complications are linked to the current lifestyle and environmental pollution. This necessitates the importance of being secured with a mediclaim plan, which can shield yourself and your family from financial troubles.

Medical Inflation

The cost of health care has multiplied over the years. It is not wise to solely depend on your savings to cover your medical needs. With the best Health Insurance, you do not have to worry about medical expenses to avail quality treatment.

Ambulance Expenses

Like the hospitalisation cover, it is important that the transportation expenses of the person to the hospital are taken care of during health emergencies. It implies the necessity of a Medical Insurance plan which covers ambulance charges.

Health Insurance - A Quick Look

 

Health Insurance Features Benefits
Sum Insured (INR) Up to 2 Crores
Network Hospitals 14,000+ Across India
Pre-Hospitalisation Usually 30-60 Days
Post-Hospitalisation Usually 60-90 Days
Ambulance Expenses Covered
Cashless Claim Settlement 89.9% in less than 2 hours
Coverage for Accidents From Day 1
Tax Benefit Up to Rs. 1 Lakhs
STAR HEALTH

Why Choose Star Health Insurance?

As the Health Insurance Specialist, we extend our services from offering tailor-made insurance policies to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

We are India's first stand-alone health insurance company to deal with health policies in medical, personal accidents, and overseas travel. We have a comprehensive array of the best health insurance plans with affordable premium rates designed to meet our customers' changing demands. 
Our hassle-free claim settlement process and simple reimbursement policies make us stand at the forefront of our competitors.

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Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
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Talk to Star
Dial 7676 905 905 to avail free consultations with our expert doctors via phone, chat or video call.
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COVID-19 Helpline
Get free COVID-19 consultation with our health experts between 8 AM and 10 PM. Give a call to 7676 905 905.
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Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at doorstep.
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E-Pharmacy
Order medicines online at a discounted price. Home delivery and Store pick-ups are available across 2780 cities.
CATEGORIES

Types of Health Insurance Plans

Health Insurance has become essential for everyone irrespective of age. The benefits of the medical insurance policies differ based on their types. Choose the policy that suits your needs by knowing about their types.

Indemnity Health Insurance Plans

Indemnity Health Insurance plans compensate the actual incurred medical expenses both in terms of cashless treatment facilities as well as reimbursements. Such types of mediclaim plans are available on Individual and Floater basis. They provide coverage up to the opted Sum Insured.

Fixed Benefit Health Insurance Plans

Fixed benefit Health Insurance plans provide lump sum cover for critical illnesses such as Cancer, Chronic Kidney Disease, Brain tumour, etc. Keeping in mind the financial hardships one may undergo during life-threatening critical illness, the policy also pays the insured in one go.

Top-Up Health Insurance Plans

Top-up Health Insurance plans provide additional cover even after the exhaustion of the Sum Insured of your existing policy. Sometimes the opted cover may not be sufficient to meet your medical needs. In such times, a top-up policy can reinforce financial protection by providing additional coverage.

CLAIMS

How Does Our Claim Process Work?

Get to know the steps involved in the Claim process. Whether it is a planned or emergency hospitalisation, filing a claim is made easy by choosing any of the following ways.

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1
Claim Intimation

Intimate the claim by filling up the Pre-Authorisation form at our Network Hospital

2
Claim Status
After the claim intimation, we update the claim status
3
Hospitalisation
Once the claim gets approved, Cashless Treatment can be availed at Network Hospitals
4
Claim Settlement
We directly settle the claim with the Network Hospital
KNOW WHAT ARE COVERED

How to Choose the Right Medical Insurance Plan?

Buying a mediclaim policy is one of the best investments you ever make. But how to choose a plan that best fits your needs? Knowing the inclusions and exclusions help you choose the best medical insurance plan. Here are some ways that will guide you through the process.

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Hospitalisation Expenses
Most Medical Insurance plans cover hospitalisation expenses such as room rents, ICU charges, surgery expenses, doctor consultations, etc. incurred on illness, injury or accidents.
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Pre & Post-Hospitalisation
Understanding the impact of rising medical expenses, most Medical Insurance Policies cover pre and post-hospitalisation expenses related to in-patient hospitalisation.
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Day Care Treatment
Technological advancements have reduced the time of surgeries and treatments that once cost a lot of time. Hence, Medical Insurance Policies cover Day Care treatments and procedures.
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Domiciliary Hospitalisation
Some Medical Insurance Policies also cover Domiciliary treatments taken at home on the advice of the medical practitioner.
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Organ Donor Expenses
Most Medical Insurance plans cover Organ Donor Expenses. Organ harvesting and transplantation expenses are covered if the insured person is the recipient.
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Road Traffic Accident
Accidents are unpredictable. Most mediclaim plans cover in-patient hospitalisations due to road traffic accidents.
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AYUSH Cover
In addition to allopathic treatments, most Medical Insurance plans also cover alternative systems of medicines such as Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy.
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Health Check-up
In addition to hospitalisation and other benefits, Medical Insurance Policies also cover the expenses incurred for Health Check-up.
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Automatic Restoration
What if your medical expenses exceed your Sum Insured? At such times, the restoration benefit restores 100% of your Sum Insured automatically after its full or partial exhaustion.
TAX DEDUCTION

Avail Tax Benefits

A Health Insurance Policy not only covers your medical expenses but also saves you money on taxes. As Medical Insurance is an essential investment, Section 80D of the Income Tax Act, 1961 allows a tax deduction for the premium paid towards a Medical Insurance plan. Here are a few additional advantages.

Avail Tax Benefits
Benefits Icon
Tax Deduction for Paying the Premium

You can claim tax deductions of up to Rs. 25,000/- by paying a Health Insurance premium for yourself or your family. If you are paying the premium for your parents as well, you can claim a higher tax deduction of up to Rs. 1 lakh.

Benefits Icon
Tax Deduction for Health Check-Up

In addition to premiums, you can also claim tax deductions for expenses incurred towards preventive health check-ups as well. Under Section 80D of the Income Tax Act, 1961, you can claim Income Tax deductions up to Rs. 5,000/-.

ONLINE BENEFITS

Why Buy Health Insurance Online?

Buying a Medical Insurance policy online is loaded with benefits. Here are a few of them.

Liability

The terms and conditions of the Insurance are a bit hard to understand. Most Medical Insurance Companies have listed the benefits of their policies on their website. This makes them trustworthy and easy to understand.

Transparency

Online processes are transparent. After completing the required information, you will proceed further to buy your Health Insurance Policy. The premium is calculated based on your requirements. The online platform allows you to add or subtract the benefit, Sum Insured, your family members, etc. Based on your inputs, the premium is calculated and you can see the variation in the premium.

Easy to Compare

People have varying needs. You can compare the benefits of various HeaMedical Insurance plans online and pick the right plan that suits your needs. You can also get an idea about premiums, which can vary based on the plans you choose and the number of people you add.

Cost-Effective

Getting a Health Insurance Policy online can save you money. Most Health Insurance companies offer a discount on premiums for first-time online purchases of the policy. In addition, it also saves your time and effort as you can purchase the best mediclaim policy in just a few clicks.

Instant Quote

You can get the quote for the mediclaim policy online. All you have to do is select a Health Insurance plan and enter information such as age, health condition, etc. It allows you to compare premiums, coverage and exclusions based on your age and health factors.

At your Comfort

Now you can buy the best Health Insurance in the comfort of your home. No more physical visit is required to enquire about the Medical Insurance plans and Company as everything is available online.

Abundant Choice

You have numerous choices, as most Medical Insurance Companies offer customers to buy Health Insurance online. Take your time to pick the right plan by analysing them in detail.

Liability

The terms and conditions of the Insurance are a bit hard to understand. Most Medical Insurance Companies have listed the benefits of their policies on their website. This makes them trustworthy and easy to understand.

Transparency

Online processes are transparent. After completing the required information, you will proceed further to buy your Health Insurance Policy. The premium is calculated based on your requirements. The online platform allows you to add or subtract the benefit, Sum Insured, your family members, etc. Based on your inputs, the premium is calculated and you can see the variation in the premium.

Easy to Compare

People have varying needs. You can compare the benefits of various HeaMedical Insurance plans online and pick the right plan that suits your needs. You can also get an idea about premiums, which can vary based on the plans you choose and the number of people you add.

Cost-Effective

Getting a Health Insurance Policy online can save you money. Most Health Insurance companies offer a discount on premiums for first-time online purchases of the policy. In addition, it also saves your time and effort as you can purchase the best mediclaim policy in just a few clicks.

SECURE EARLY

Benefits of Buying Medical Insurance at an Early Age

There is no specific age for buying a Health Insurance plan. However, opting for a medical insurance plan at an early age has its advantages.

Less Premium

Age is an important factor in calculating the premium of Medical Insurance. The younger you are the lower your premium will be.

Continuous Cover
Continuous cover through renewals will help you tide over the waiting period for Specific and Pre-Existing Diseases (PED).
Medical Test
Pre-insurance medical screening is not required if you purchase a Health Insurance Policy at a young age.
No-Claim Bonus

You can avail a no-claim bonus for every claim-free year. It will enhance the Sum Insured that benefits you at later stages.

Co-Payment

No need to share your medical bills as co-payment is not applicable when you opt for a Medical Insurance Policy at a young age.

RENEWAL

How to Renew Health Insurance Online?

Never miss out on the continuity benefits! Now renewal is made easy with the following simple steps.

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1
Step 1:

 Click on the Renew tab

2
Step 2:
Enter your Policy Number and Date of Birth
3
Step 3:
Choose the plan and your preferred Sum Insured. Then click Calculate & Proceed
4
Step 4:
Choose your preferred payment method and complete the transaction
GET STARTED
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Best Mediclaim Health Insurance Policy in India

 

Health Insurance Plans provide Comprehensive Coverage

 

Star Health Insurance Policies or mediclaim plans will 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 of disease-specific policies for critical illnesses, cancer and cardiac ailments along with in-patient hospitalisation as a general mediclaim Health Insurance Policy. We have a wide range of mediclaim Health Insurance Policies to choose 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.

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.

List of our Best-Buy Health Insurance Policies

Diabetes is among one of the most common disorders with a huge number of 50.9 million people, driving India to the second position of the most affected country in the world, says Diabetes Foundation of India in a recent survey. A sedentary lifestyle, usage of tobacco, and unhealthy food habits are the factors that stand foremost leading to diabetes, according to WHO.

 

Diabetes Safe Insurance Policy offers coverage for regular in-patient hospitalisation due to illness/accidents and diabetes complications arising out of Type 1/Type 2 . This is a specialized plan designed for people already with a history of diabetes. The plan covers diabetic complications and all other illnesses that require 24 hours of hospitalisation on both individual and family floater basis.

 

FeaturesCriteria
Entry age (for adult)18 years to 65 years
Policy period1 year/2 years/3 years
Sum Insured in INR3 / 4 / 5 /10 lakhs
Product typeIndividual/Floater
DiscountsOn buying our Health Insurance Policy online, avail 5% discount
Waiting period Non- diabetic compilationsPED-48 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)

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 plan 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 Health Insurance, 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.

Our Best 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 best Health Insurance plan. 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.

Why Star Health is a Best Health Insurance Company?

 

Our motto is to serve the customers with the utmost care. We listen deeply to you, so we can provide Health Insurance plans 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.

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Health Insurance for Family

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

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Health Insurance for Parents

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

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Health Insurance for Maternity

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

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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

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?

Star Health Claim Services ensures a prompt settlement process with an easy, customer-friendly, hassle-free process. As a health insurance experts, we offer cashless claims at all our associated network hospitals in India.

Contact the insurance desk at a network hospital. Share the Customer ID and Policy copy of the Insured patient.

Intimate a planned hospitalisation about 7 to 10 days in advance, while an emergency hospitalisation is to be informed within  24 hours of admission.

 

Procedure

 

  • Register claim
  • The documents are sent to the Star Health Claims Team
  • The documents get verified by the Claim Processing Team
  • The network hospital receives the decision of claim approval, query for additional documents or denial of cashless payment or rejection within two hours
  • When accepted, the claim gets resolved according to the terms of the insurance
  • Pay the difference, if any, before discharge

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 best 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

 

Basic Criteria

Requirements

For Adults

Aged between 18 and 65 years

Dependent Children

16 days to 25 years

Pre-Medical Screening

Over the age of 45 or 55 years

How to buy best health insurance online from Star health?

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

Step 1: Visit the official website of Star Health Insurance and click the ‘Buy Now’ button on the top right corner.
Step 2: Enter the requested information, such as name, phone number, and the PIN code of your city.
Step 3: Select the insurance plan per your requirement and pay the premium.
Step 4: You will receive the complete policy documents at your registered email address.                                                                                                                                                                                                                             

How to calculate Health Insurance premiums?

The health insurance premium is determined by a number of factors, including your medical history, the sum insured and your family’s medical history.

 

You can choose to pay it every month, every quarter, every half year, or annually.

 

You can opt for a plan with a premium payment that doesn’t seem like a burden if you have knowledge of your needs and capacities. 

Several factors will influence your health insurance plan, affecting whether the premium of your health insurance policy increases or decreases. Here are certain factors that influence the premium of your health insurance plan.

 

  • Age

 

Age determines the health insurance premium. The higher the age, the higher the premium for the health insurance plan. With the increase in age, you are more prone to developing age-related diseases and require medical care, which raises the premium of your health insurance coverage.

 

  • Medical History

 

The premium for the policy increases when there is a pre-existing disease.

 

  • Duration of the Policy

 

The length of the health insurance policy will impact the premium of the plan. The premium tends to be lower for a higher-duration policy.

 

  • Habits

 

You are more likely to experience significant health problems if you smoke, drink, etc. These lifestyle habits affect the health insurance premium.

 

  • Occupation

 

The nature of your occupation or work influences the health insurance premium. The premium increases while working in harmful environments or having a stressful job.

 

  • Body Mass Index

 

Diabetes, obesity, heart disease, and other disease are related to the BMI index. The insurance premium is higher for those with high BMI indices.

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 Internet 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 offers the cost of 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.
HELP CENTRE

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Get all your Health Insurance related doubts clarified.

Health Insurance is an agreement between the Insurance Company and the insured person where the insured pays the premium to avail coverage in return. It provides coverage for incurred medical expenses of the policyholder.