Star Health Logo
THE HEALTH INSURANCE SPECIALIST

Health Insurance for Individual

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

Individual health insurance serves as a solution that provides coverage based on an individual sum insured basis. In the domain of vast healthcare exigencies in India, it is essential to keep yourself financially equipped to handle emergencies. Health insurance for individuals acts as a protection against unprecedented medical expenditures.

We have the answer to your happy and secure future

*I hereby authorise Star Health Insurance to contact me. It will override my registry on the NCPR.

All Health Plans

Best Health Insurance Plans to secure yourself

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

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

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

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 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

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

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

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

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

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

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 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 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)

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 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 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

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 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 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

The Essential Guide to Individual Health Insurance: Features and Benefits 


Unlike family or group health insurance policies, individual health insurance will require separate purchases for each family member. 
Here are some of the features of health insurance for individuals:

  • Co-payment - The insured must pay a certain amount as fees to the policyholder for taking specific healthcare services. This is known as co-payment.
  • Additional Coverage - With an individual health insurance plan, you can get coverage that is 4 times the base coverage amount and have options to buy add-on covers like outpatient treatment benefits, maternity cover, critical illness cover, and more.
  • Inclusions - The individual health insurance policy covers in-patient hospitalisation expenses, operation costs, ambulance charges, daycare procedures, etc.
  • Renewability - Individual health plans come with lifetime renewability and provide a premium discount if more than two family members are covered individually.
    An individual health policy offers comprehensive benefits such as:
  • Flexibility - Health insurance for individuals helps you choose a policy that aligns with the specific healthcare requirements, i.e., you can customise the deductibles, coverage, and other details based on your needs.
  • Tax Benefits - The yearly tax benefits of individual health insurance help you to deduct the premiums based on Section 80D of the Income Tax Act.
  • Multiple Claims - You can make numerous yearly claims if the sum insured is not exhausted.

 

Buy Star Health Individual Health Insurance Online: A Step-by-Step Guide


Health Insurance for Individuals at Star Health offers medical coverage benefits to a person on an individual sum-insured basis. It allows you to customise the plan per the individual’s health needs (for yourself, your children, your spouse, or even your ageing parents) but cannot be combined for the entire family. 


Here are 5 simple steps for buying Star Health Individual 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.

 

Key Considerations for Individual Health Insurance Buyers


Buying an individual health insurance policy should not be spontaneous or random. You must first understand your requirements and the fundamentals of individual health insurance to make well-informed decisions and benefit as much as you wish. Here is a list of key considerations to think of while purchasing individual health insurance:

  • Network Hospitals - Cashless and reimbursement are the two options for claim payout in an individual health insurance plan. It is essential to check out the insurer's network hospitals to understand if there are any near your home and office. Also, you need to seek treatment exclusively at a network hospital for a cashless claim.
  • Sub-limits - Most individual health plans have a sub-limit for specific covers. Go through the policy and check for applicable sub-limits to get sufficient coverage.
  •  Coverage & Affordability - The essential factor to consider while purchasing an individual health insurance policy is the amount of sum insured. Also, avoid selecting a policy that can cause a financial burden in the future.
  • Claim process and settlement ratio - Checking the claim process is necessary to know the waiting period of the claim settlement. Also, the insurance provider's high claim settlement ratio indicates that you can get your claims approved quickly.
  •  Exclusions - Reviewing the list of exclusions is critical while choosing an individual health insurance. Every insurance provider imposes a series of limitations, and you must know the exclusions that apply to your health insurance policy. By reviewing the exclusions, you can effectively prevent any potential claim rejections.

 

Individual Health Insurance Coverage Explained


Individual health insurance plans in India cover various healthcare services and medical expenses. It usually varies from insurer to insurer. Here are some common points that are typically covered under health insurance for individual plans in India:

  • Pre and Post-Hospitalisation Expenses - Covers the medical expenses before getting admitted and after getting discharged.
  • Day Care Procedures - It is generally the costs incurred during medical treatments that do not require an overnight hospital stay.
  • In-Hospitalisation Expenses - Includes room rent, ICU charges, medicine costs, etc.
  • Emergency Care - Covers the charge for accident cases and severe illnesses.
  • Domiciliary Treatments - Covers the medical treatment costs taken at home.
  • Organ Donor Expenses - Covers the organ transplantation surgery costs, such as the cost of the organ and post-operative care.
  • Preventive Health Check-up -  It is used for preventive health check-up coverage.

 

The Importance of a Health Insurance

 

The current COVID-19 pandemic has made the entire world sit up and realise that medical emergencies are unpredictable and can cause a financial upheaval that is tough to handle. People have started to understand the importance of a health insurance plan with the arising medical costs. Apart from this, access to good medical facility and hospitalisation can be a financial burden for many. Therefore, one must know the benefits of a health insurance that can provide the added long-term protection in times like these. Even though while having the financial confidence to take care of your loved ones, a health insurance plan is extremely useful when it comes to beating medical inflation.

 

Here are 5 recommended reasons why you need to get a Health Insurance plan today:

 

1. To fight lifestyle diseases

 

Lifestyle diseases like diabetes, obesity, respiratory problems, heart disease are on rise - especially among the people under the age of 45. Lack of healthy lifestyle, stress, pollution, leading an undisciplined life may cause such complications. Even though you follow precautionary measures, an unfortunate incident to face a sudden high hospital expenditure will be a tough phase to get through. Therefore investing in a Mediclaim Policy that covers regular medical tests can be a kick-start to cope up with medical expenses, leaving you stress-free.

 

2. To safeguard your family members

 

While you opt for a highly beneficial insurance policy, you should always choose to secure the whole family with insurance plan that would suit your requirements (i.e) if you have a suitable medical insurance, you need not stress about getting the best and the advanced treatment. In such a case, a basic plan along with a top-up plan would be ideal. Also, a health insurance company will always provide professional counselling for you to choose the plan in which you would have the maximum benefit.

 

3. To deal with pre and post-hospitalisation conditions

 

Apart from the cost of treatment, your medical bill would also include the expense of pre and post hospitalisation conditions. The costs for doctor’s consultation, diagnosis tests, ambulance charges, operation theatre costs, medicines, room rent, etc. are simultaneously increasing. All of these could put an additional strain on your finances if you fail to have a suitable health insurance cover. By paying an affordable health insurance premium each year, you can beat the burden of medical inflation while opting for quality treatment.

 

4. To protect your savings

 

While an unexpected illness can lead to mental stress, there is another side you need to think about - the expenses. By purchasing a health insurance policy, you are transferring your risk to the insurance company while the insurer manages a pool of people to help them with their medical expenses. Additionally, a health insurance lets you avail tax benefits, which further increases your savings. In short, you can manage your medical expenses without dripping your savings off.

 

5. Insure early to stay secured

 

Having a medical insurance early in life has numerous benefits. When you buy a health cover early in life, you can avail plans at lower rates and you can enjoy the continuity benefits as well. Additionally, you will be offered extensive coverage options by the health insurance company.

 

How to select the right Health Insurance policy?

 

Here are some tips that would help you to choose the right insurance cover for you and your family:

  • Look for a contingency plan as a solution for any exigencies, with add-on benefits / talk to the insurance consultant to get a clear view on the policy.
  • Keep it affordable
  • Always opt for a higher sum insured
  • Check the range of network hospitals near you

 

Health Insurance policy for an Individual

 

Individual health insurance policies offers coverage to a single person on an individual sum insured basis. This particular sum insured, can solely be utilised by the insured for his medical expenses.

 

Recommended plans on Individual basis

 

Star Comprehensive Insurance Policy

 

Under this health insurance plan any person between the ages 18 and 65 at the time of entry can be covered with the benefit of lifetime renewal. This health insurance plan provides coverage for individuals based on the various sum insured options. Individuals can choose the specified sum insured option with a minimum of 5 lakhs and a maximum of 1 crore based on his/her needs.

 

Having a comprehensive cover keeps your finances intact and ensures you get covered for all your medical expenses like in-patient hospitalisation, emergency transport charges, daycare treatments, annual health check-ups and much more.

 

What is covered under the Star Comprehensive Insurance Policy?

 

The coverage offered under the Star Comprehensive Insurance Policy are as follows:

 

  • In-patient hospitalisation expenses
  • Pre and post-hospitalisation expenses
  • Daycare procedures / treatments
  • Domiciliary hospitalisation
  • Emergency Road and Air ambulance expenses
  • AYUSH treatments
  • Second medical opinion
  • Delivery and new-born cover
  • Organ donor expenses
  • Bariatric surgery
  • Personal accident cover – lump sum benefit for death & permanent total disablement
  • Hospital cash benefit
  • Modern treatments
  • Annual health check ups
  • Wellness services

What is not covered?

The following list comprises of a partial list of policy exclusions. For a detailed list, you can refer to the policy document.

  • Pre-existing medical conditions until the completion of the waiting period
  • Any hospitalisation with the primary goal of obtaining diagnostic information
  • Treatment outside of India
  • Circumcision, sex-change surgery, cosmetic surgery, and plastic surgery
  • Refractive error repair less than 7.5 diopters , hearing impairment correction, corrective and aesthetic dental surgery
  • Hazardous or adventure sports-related injuries
  • Unproven treatments
  • Venereal diseases and STDs (other than HIV)
  • Nuclear weapon and war-related perils
  • Intentional self-injury
  • A 30-day waiting period is applicable for all treatments except in case of accidents.
  • The policy will cover pre-existing diseases after a waiting period of 36 months from the inception date of the policy.
  • Specific diseases mentioned in the policy document will be covered after a waiting period of 24 months from the inception date of the policy.

 

 

 

Medi Classic Insurance Policy (Individual)

 

This health insurance plan is an affordable health insurance plan that provides a variety of benefits that will help individuals manage their medical expenses. This uniquely designed health plan covers individual from 16 days to 65 years of age, with a lifelong renewal option. The plan is also available under Gold variant.

 

Medi classic Insurance Policy (Individual) Gold plan offers sum insured options ranging between Rs. 3 lakhs - Rs. 25 lakhs. It exclusively covers organ donor expenses up to sum insured, AYUSH treatments, domiciliary hospitalisation, modern treatments and much more.

 

What is covered under the Medi classic Insurance Policy (Individual)?

 

The coverage offered under the Medi classic Insurance Policy (Individual) Gold Plan are as follows:

 

  • In-patient hospitalisation
  • Pre and post-hospitalisation
  • Emergency ambulance
  • Non-allopathic treatments
  • New born baby cover (from 16th day after birth)
  • Domiciliary hospitalisation
  • Modern treatments
  • Psychiatric and Psychosomatic disorders
  • Annual health check-ups
  • Daycare treatments
  • Shared accommodation
  • Road Traffic Accident (RTA)
  • Super Restoration of basic sum insured
  • Automatic Restoration
  • Organ donor expenses

What is not covered?

The following list comprises of a partial list of policy exclusions. For a detailed list, you can refer to the policy document

  • Rest cure, rehabilitation and respite care
  • Change of gender treatments
  • Cosmetic / plastic surgery unless for a reconstruction followed by an accident
  • Injuries caused due to hazardous / adventurous sports and activities
  • Any unproven treatment
  • Refractive error less than 7.5 dioptre
  • Expenses incurred upon maternity, sterility and infertility
  • A 30-day waiting period is applicable for all treatments except in case of accidents.
  • The policy will cover pre-existing diseases after a waiting period of 48 months from the policy’s date of inception.
  • Specific diseases mentioned in the policy document will be covered after a waiting period of 24 months from the inception date of the policy.

 

Young Star Insurance Policy

 

Earlier, there was an assumption that health insurances are only for old people.

 

With the arising health complications, even the younger generations today have started to realise the need for a health insurance. This situation has also made us realise that unforeseen situations might occur at any point of life. By opting policy at young age, you can get higher coverage at lower premium

 

Young Star Insurance Policy is specially crafted with a motive to ensure young adults have a serene lifestyle and get instant access to the best health care facilities without any hassle. This plan has been specially tailor-made for young individuals under the age of 40 who want to lead a healthy lifestyle for themselves and their families. You can get this health insurance under individual plan basis.

 

The Young Star Insurance Policy provides wide sum insured options of Rs. 3 lakhs to Rs. 1 crore. Through this, you can enjoy wide range of benefits such as incentive-led wellness programs, discount on renewals, the lowest waiting periods, coverage for pre and post-hospitalisation expenses, cumulative bonus, hospital cash benefits, annual check-ups, automatic restoration of the sum insured and additional basic sum insured for road accidents.

 

What is covered under the Young Star Insurance Policy?

 

The coverage offered under the Young Star Insurance Policy are as follows:

 

  • In-patient hospitalisation
  • Pre and Post-hospitalisation
  • Emergency road ambulance
  • Day care treatments
  • Delivery expenses (Gold)
  • Hospital cash benefit (Gold)
  • Modern treatments
  • Road Traffic Accident (RTA)
  • Automatic Restoration of sum insured
  • Mid-term inclusion of spouse or new born baby
  • Annual health check-ups
  • E-medical opinion
  • Wellness programs

What is not covered?

The following list comprises of a partial list of policy exclusions. For a detailed list, you can refer to the policy document

  • Expenses related to gender change and obesity.
  • Expenses related to cosmetic or plastic surgery unless for a reconstruction following an accident
  • Expenses for treatment of infertility or sterility
  • Expenses for treatment due to war, nuclear attack or invasion
  • Correction of eye sight due to refractive error less than 7. 5 dioptres
  • Intentional self injury
  • Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations
  • A 30-day waiting period is applicable for all treatments except in case of accidents.
  • The policy will cover pre-existing diseases after a waiting period of 12 months from the policy’s date of inception.
  • Specific diseases mentioned in the policy document will be covered after a waiting period of 12 months from the inception date of the policy.

 

Star Micro Rural and Farmers Care

 

India is one of the largest populated countries. Health insurance is optional, but health care is free for all citizens at Individual State & Government Facilities, which have challenges with staff & supplies. The percentage of the rural population in India was at 65.07 % in 2020. - reported by World Bank

 

Star Micro Rural and Farmers Care: is specially designed only for rural farmers to be self-reliant towards healthcare. This policy is offered to rural residents to individual or farmer’s families in the age group of 1 year to 65 years. An individual can opt for Rs. 1 Lakh and family with Rs. 2 lakhs sum insured options. The policy has an easy instalment premium payment option of quarterly & half-yearly. The Medical Expenses for Road Ambulance, daycare treatments, and modern treatments like Chemotherapy, Dialysis, and Robotic surgeries are payable. The waiting period for Pre-existing Diseases and specified illnesses is just Six months from the policy inception date.

 

 

Senior Citizens Red Carpet Health Insurance Policy

 

Health insurance is most needed for elderly People as exposed to age-related illnesses. A Prolonged or Costly treatment would impact their savings, but buying health insurance after 60 + would be a costly proposition. Star health understands, welcomes the elderly with respect, and caters to the needs of their complete medical or treatment expenses with a red carpet.

 

Senior Citizens Red Carpet Health Insurance Policy is designed only for individuals/ families in the age group of 60 years to 75 years with lifelong renewal options. The Pre-insurance medical screening is not mandatory. The Pre-existing disease (PED) waiting period is reduced to 12 months from the date of policy inception, declaring that PEDs are always advantageous. The Policy has various Sum insured options to choose from 1 / 2 /3 /4/ 5/ 7.5 /10/ 15 /20 /25 lakhs. Health insurance premiums won’t increase as age increases like other insurance policies in the marketplace.

 

 

Star Women Care Insurance Policy

 

Health insurance plan specially caters to the needs of women factors influencing the needs of women are compiled together and designed for women and their families. The best health insurance plan is well crafted for women towards hospitalization in different stages of life.

 

Star Women Care Insurance Policy is a policy aimed towards the welfare of ladies as individuals or families with spouses and children ages between 91 days to 75 Years with various sum insured options of Rs. 5 /10 /15 /20 /25 /50 /100 Lakhs. Women-centric treatment expenses are payable like Maternity, Antenatal (Pregnancy Care), In-utero Surgeries, In-utero-fetal repairs, newborns, Pre & Postnatal along with sterilisation procedures.

 

 

Star Health Premier Insurance Policy

 

Best Health insurance bring security and protection to all. In India, people aged 50 + years are prone to higher health risks related to younger ones. Get a health insurance plan designed for individuals or families above 50 years with a wide range of coverage. Financial assistance during hospitalisation brings a lot of contentment and courage to face the situation.

 

Star Health Premier Insurance Policy is an All-inclusive Health insurance Policy offered by the Health Insurance Specialist to accommodate Families or individuals above the age of 50 years with no upper limit.

 

This policy offers various sum-insured options from 10 lakhs to 1 crore. This health insurance plan pays for AYUSH, Bariatric surgeries, modern treatments, Air Ambulance, Homecare treatments, Outpatient consultations, and many more.

 

 

Super Surplus Insurance Policy

 

Many have suffered monetary loss & lost their loved or dear ones in the financial battle of medical treatment, leading to bankruptcy. Some believe that being covered under the corporate policy would be enough for their medical treatment costs. Having a cost-effective top-Up health insurance plan with sufficient cover is always recommended.

 

Super Surplus Insurance Policy - (Top-up Gold Plan) is an additional cover along with the existing health insurance policy to cater to the ever-changing treatment costs during hospitalization in the most economical way.

 

Super Surplus Insurance Policy offers indemnity cover from 5 lakhs to 1 crore Sum-insured above certain defined limits. The policyholder is to pay a certain amount in the Policy period for admissible claims under the health insurance policy. This Policy offers coverage for Air / Road Ambulance, Day-Care Procedures, Pre & Post hospitalization, Maternity, and Modern treatments.

 

 

 

 

HELP CENTRE

Confused? We’ve got the answers

Get all your Health Insurance related doubts clarified.

In individual health insurance plans, each individual that holds a policy is entitled up to a chosen sum insured. However, in a family floater health insurance policy, the total sum insured is shared by all the family members in any proportion.