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.

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 plan 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 plan 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 top 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 best 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: SHAHLIP23164V072223)
• 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. 

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 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 Best Health Insurance Company?

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

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

How to buy the best 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.

Getting a health insurance policy online provides numerous benefits, such as comparing the features of several other plans, saving on your premiums, and much more. 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 plan 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.

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.

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 their health. On a 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 caring for their health might lower their bank savings rather than spending for 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. 

Star Women Care Insurance Policy

Star Health Insurance offers the Star Women Care Insurance Policy was uniquely designed to meet the expenses for the women healthcare. This women 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 to their 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 hospitalization 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 of women health care. The benefits of this women care policy are given below: 

• The in-patient expenses incurred on hospitalization of at least 24 hours, like the room rent and boarding cost are covered.  
• Delivery expenses for a normal or caesarean like 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 but the coverage, which is available only if the hospitalization claim is accepted by Star Health & Allied Insurance Company. 
• Pre-hospitalization medical charges incurred up to 60 days prior to getting admitted to a hospital.  
• It includes the post-hospitalization expenses incurred until 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 Sterilization expenses cover is available if the insured is married and is at a minimum age of 22 years old.  
• OPD Medical Consultations cost are included in this policy. 
• Also, this policy provides an 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 covers congenital external anomalies and dental treatment expenses. 
• It does not include expenses of the obesity and weight control treatments. 
• Cosmetic or plastic surgery costs are not covered. 
• Expenses of the 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 way for inclusive insurance landscape, particularly for the 34 million visually impaired individuals in India. This policy democratises the access to quality health insurance and also promotes financial inclusivity by creating sustainable income opportunities for this marginalized community.

Super Star Plan (UIN: SHAHLIP25036V012425)

 
Super Star Plan is a long-term policy is designed to offer flexibility and customization 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. This 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.