Our best health insurance plan for family offers holistic coverage for major and minor medical expenses of the entire family in a single health policy. With the family health insurance plans from Star Health, you can now secure your loved ones while we take the responsibility to manage the medical costs incurred during an emergency.
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
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
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)
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
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
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
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
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
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
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
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
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
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
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
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
Making sure of the safety and well-being of your loved one is the top priority for us. And this includes helping you choose the right medical insurance for family as this can make all the difference.
Star Health Insurance plans for family provides a wide range of comprehensive and flexible medical insurance for family, no matter if you’re a growing family or looking to provide for your extended family or a single parent we’ve got you covered.
We will provide you with adequate information for you to choose the right health insurance plans for family. We are dedicated to helping you understand the complexities of family medical insurance, like easy-to-understand definitions for key features, detailed plan options and benefits.
Compare plans, inspect our resources, and explore how we can give you a hand in securing the best family insurance plan to safeguard your family’s peace of mind and health.
Health insurance is a priority during medical emergency. Family health insurance can have various benefits, like coverage for everyone, irrespective of age, under a single policy.
Hospitalization can be calm and hassle-free when your family is insured. You can avail cashless treatment from the network hospital.
Taking health Insurance policy for your family supports you to save income tax. You can save tax payments, and the limit will depend on your age criteria. For example, if you are below 60 years, the tax exemption limit is ₹25,000 and for senior citizens, it is ₹50,000, under section 80D of the Income Tax Act, 1961.
To avail income tax benefits, pay health insurance premiums through banking modes like cheque, debit or credit card, demand draft or net banking.
1. Financial Security
Investing in a good family healthcare plan makes sure that your financial commitments are reduced in the event of a tough healthcare situation. Availing medical treatment for certain health emergencies can deeply impact your financial stability, offsetting your plans. With changing lifestyles, we are exposed to severe diseases and illnesses. In such events, gathering funds could get difficult and that is when health insurance cover comes in handy. Your health insurance plan will allow you to cover the costs of hospitalisation expenses, treatment costs, domiciliary expenses, ambulance charges, and more depending on the type of your policy.
2. Peace of Mind
Investing in a health insurance policy ensures that the medical expenses of your loved ones are secured, giving you peace of mind. When you and your family are financially secure, there is more peace of mind in your recovery process.
3. Quality treatment
All your family members can avail quality healthcare under a family health insurance plan, providing cashless hospitalisation in Network Hospitals across multiple cities in India. One can get treatment at a hospital of their choice.
4. Increasing healthcare costs
The stark reality of today is that everything is getting expensive, including healthcare. The average cost of healthcare has soared steadily, making certain treatments uneconomical to the common man. A good family health insurance plan can ensure that all members of the family get the best treatment without suffering the loss of savings.
5. Tax Exemption
The insured can enjoy tax benefits on the premiums paid towards a health insurance policy under Section 80D of the Income Tax Act, 1961. And if you pay the health insurance premiums for yourself as well as for your family, then the deductions can be clubbed together and can avail tax deductions every year.
Yes, you can take policy for yourself and spouse, dependant children, Parents and Parents in Law.
It is important to disclose your medical history while buying health insurance. You have to disclose your health history including diseases and illness, if any, in the proposal form.
The insurer will cover certain pre-existing diseases after the waiting period. In some cases, certain diseases might require additional premiums like buy back PED.
People over the age of 18 to 65 years can opt to buy a health insurance policy.
When purchasing a medical insurance policy, you can cover all your legal family members, including you, your spouse, kids, parents and parents-in-law. Additionally, it is important to choose the best family health insurance as it provides cost-effective solutions to the entire family.
Star Health provides the best family health insurance plan in India with comprehensive benefits, quick claim processes, and cashless hospitalisation facilities. With Star Health’s family health insurance plans, you can get extensive coverage for all the family members on an individual or floater sum insured basis, irrespective of age.
Hospitalisation Expenses
Hospitalisation expenses, including room rent, surgery expense, ICU charges, doctor consultations, etc., incurred on diseases or injury is covered under most health insurance plans.
Pre & Post-Hospitalisation
Pre and post-hospitalisation expenses are covered under your health insurance plan. These include doctor's fees and treatment, medical bills, investigations, follow-up appointments, etc.
Day Care Treatment
Family health insurance covers the treatment expenses for daycare procedures.
Organ Donor Expenses
Health insurance plans cover expenses for organ donors when the insured person is the recipient.
AYUSH Cover
Medical insurance coverage for inpatient hospitalization for system of medicines other than Allopathic such as Ayurveda, Siddha, Unani and Homeopathy.
Health Check-Up
Most insurance plans also cover expenses related to health check-up in addition to hospitalisation.
Automatic Restoration
When your medical expenses exceed your sum insured, the automatic restoration benefit helps in restoring the sum insured of your health insurance to the maximum limit after it gets exhausted.
In general, a medical or health policy comes with specific terms and conditions of the insurance provider along with the policy's coverage details. It also enlists exclusions that are not payable, i.e., the policyholder cannot raise a medical claim listed under exclusions.
1. Buying Star Health Family Health Insurance Online in 5 Simple Steps
Buying a family health insurance plan online is a convenient process. As India’s first stand-alone health insurance company, Star Health provides comprehensive health plans explicitly customised for families, including maternity benefits, cashless hospitalisation facilities, pre and post-medical coverage schemes, and much more.
Here are 5 simple steps for buying Star Health Family Health Insurance online:
Step 1: Visit the official website of Star Health Insurance.
Step 2: Navigate to the top right corner of the page and click on the ‘Buy Now’ button.
Step 3: Fill in the required details such as name, email ID, PIN code, and mobile number.
Step 4: Select the insurance plan that meets your needs and pay the premium.
Step 5: We will send the policy documents to your registered email address.
2. Factors to Evaluate Prior to Purchasing a Family Health Insurance Plan
A health insurance coverage for family is one of the best ways to cope with the medical expenses during an emergency. An insurance plan reduces the financial burden and ensures the family's safety when you hit a medical contingency. There are certain factors to be evaluated before purchasing a family health insurance plan:
Self-Injury
Health insurance policies do not cover expenses incurred due to intentional self-harm or suicide attempts, alcoholism, drug or substance abuse.
Cosmetic Treatments
Cosmetic surgeries or treatments are usually not covered under family health insurance.
Adventurous Sports
Family floater insurance plan does not offer coverage for expenses incurred for injuries occurring while engaging in adventure sports activities like rock climbing, parasailing, paragliding, etc.
Waiting Period
Insurers will not provide coverage for treatments during the waiting period. The waiting period is applicable for pre-existing diseases or illness as mentioned in the policy.
With the abundance of choices, selecting the right family health insurance plan can be a tough task. Here are the key checklists before taking a health cover.
Due to rising medical costs and day-to-day risks, the reasons to buy medical insurance for family have become necessary for every family.
Health emergencies do not come with prior warning, and the treatment cost for the same could eat up your savings for your entire life. This is why medical insurance for family are an absolute necessity today and therefore you must ensure that you and your family are protected under the best health insurance plan for family.
Eligibility criteria to get the policy
When purchasing health insurance, we often wonder if all our family members qualify. Insurance eligibility is primarily determined by the following:
Any adults aged between 18 and 65 years can avail family health insurance. However, dependent children are covered from 16 days up to 25 years of age.
When buying health insurance, you must disclose your medical history. Certain pre-existing diseases may be covered after the waiting period, while others may be covered under special products like Cardiac Care, Diabetes Safe, Cancer Care and Special Care for Autism Child.
Family health insurance helps you keep your close ones together. It enables you to deal with mental anxiety and prepares you to face any physical ailments that may detract from the quality of life you and your loved one lead. Simply put, it allows you to focus on the betterment of those that always come first, the people you love.
We understand you want to give your family the very best in life. This makes it necessary for you to ensure that even the mildest threats to their well-being are addressed with the best viable treatment.
The benefits of Star Health family plans are industry-leading and fulfil your needs through various offerings.
In-patient Hospitalisation
Our plans cover you for in-patient hospitalisation which includes room rent, ICU charges, operation theatre charges, doctor fees, nursing charges, anaesthesia, and more. Cashless treatment facilities are available across India in our network of hospitals.
Delivery and new-born
Our health insurance plans ensure coverage for pre-and post-natal expenses, normal delivery and cesarean section expenses. Under such policies, if the delivery is paid and occurs in the middle of the policy period the new born baby from day 1 for treatments, vaccination and complications till the expiry of the policy without any additional Premium upto the limits specified.
Out-patient Dental and Ophthalmic treatment
Our specialised health insurance plans cover the expenses like the insured’s visit to a clinic for illness, the consultation fees and other services like injection, wound dressing etc. Similarly, it can cover expenses for medicines at the pharmacy, diagnostic tests like X-rays, blood tests etc, at the laboratory and minor procedures for which you don’t have to get admitted to a hospital. Under our family mediclaim policies, you can receive dental and ophthalmic treatments as an out-patient upto the specified limit after a specific waiting period.
Organ donor expenses
Manage your organ donor expenses with various policies of star health. When the insured is in the need of organ transplantation, our family health insurance plans can cover the cost of surgery and harvesting of the organ up to the specified amount mentioned in the policy clauses.
Health Check-ups
“Prevention is better than cure”. You can get your health check-up costs covered after every claim-free year with our family Mediclaim policies.
Option for Second Medical Opinion
Policyholders are allowed to get a second medical opinion from a doctor in Star Health’s network of medical practitioners.
AYUSH treatments
Our plans include coverage of in-patient hospitalisation expenses of your family members for the following treatments, provided the treatments are taken in Government hospitals and/or Government/ recognised institutes that are accredited by the Quality Council of India/National Accreditation Board on Health. The following treatments are payable up to the limits mentioned in the policy.
1. Ayurveda
2. Unani
3. Siddha
4. Homeopathy
Personal Accident Cover
Our plans provide personal accident cover which provides lump sum benefit in case of death or Permanent total disablement of the insured person resulting from an accident as specified in the Policy .
Star Wellness Program
The wellness program seeks to help policyholders begin, improve and maintain an active and healthy lifestyle. The insured person can make use of the Star Wellness Program offered by most of our policies to maintain good health.
Through this program, we motivate you and your family to lead an active life. Therefore, in our policies, we offer renewal discounts in premium for the earned wellness point by taking part in the Star Wellness Program.
What are the advantages of buying family health insurance online?
You can purchase an insurance policy online that suits you without any hassle. It also facilitates easy online renewals. You can receive quotes directly over the internet in much less time.
In the digital age, it's much easier to compare more and more policies online. In general, every insurer provides detailed information on their website.
There will be access to all the necessary information, such as policy quotes, benefits covered, exclusion list, and terms and conditions which make it easier to compare different health insurance policies to make an informed decision. By doing a comparative study on the internet, you get a better understanding of health insurance policies, which leads to a better decision.
Obtaining information about your insurance policy online is possible around the clock.
You can often get discounts when you buy health insurance online from an insurance provider's website. Most Star Health Insurance Policies offer a 5% discount for first-time buyers online.
CONCLUSION
To wrap it up, zeroing down on the right health insurance policy for family is very important for securing their health, financial security and safety. We’re focused in helping you make fully-informed choices which fits into the unique needs and circumstances of your family. With our variety of flexible family insurance plans and comprehensive coverage choices, you can be assured that you are prepared for whatever life throws at you.
We would be happy for you to explore our family medical insurance plans, make use of our resources and talk to our knowledgeable team for further queries. We can walk side by side to protect and keep your family healthy.