Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Value Plus
Value Plus health insurance is a medical insurance plan from Star Health designed to help individuals and families manage eligible healthcare expenses. With hospitalisation and treatment costs continuing to be an important financial consideration, having suitable health insurance can help protect your savings when unexpected medical needs arise. Choosing a plan that matches your healthcare requirements can provide financial support for covered treatments.
The Value Plus policy offers different sum insured options and benefits for eligible hospitalisation expenses, day care procedures and specified modern treatments, subject to policy terms. Coverage also includes eligible medical expenses incurred before and after hospitalisation. Additional features, such as automatic restoration of the sum insured and cumulative bonus benefits, can provide further value under the applicable conditions. It is equally important to understand the waiting periods, room rent limits, exclusions, and any co-payment requirements that may apply.
SUPER STAR | UIN: SHAHLIP27049V022627 STAR FLEXI | UIN: SHAHLIA26040V012526
HIGHLIGHTS
Plan Essentials
Freeze Your Age
Premiums are based on entry age until the first claim or up to 55 years of age, whichever is earlier.
Premium Return
If no In-patient claim for 5 years, 1st year base premium of base policy will be refunded.
Health Booster
Get an additional 100% of the Base Policy Sum Insured if no claim is made under applicable covers for 7 consecutive policy years.
Home Care Treatment
Get comprehensive coverage for home-based medical care for specified conditions, including fever, infections, and chronic illnesses.
Unlimited Tele-Consultation
Unlimited Tee-Consultations with qualified Medical Practitioner or Healthcare professional through various modes of communication like audio, video, online portal, chat through Star Health mobile application or digital platforms.
Value Network
Get access to an extensive list of hospitals. 15% Co-Payment if treatment taken outside this list of hospitals.
Detailed List
Understand what’s included
IMPORTANT HIGHLIGHTS
Policy TypeThis policy can be availed on both Individual and Floater basis. |
Entry AgeAdults: 18 years to any age
Dependent children: 91 days to 25 years
Floater coverage: Up to 2 adults + 4 dependent children |
Sum Insured Options₹7.5 Lakhs | ₹10 Lakhs | ₹15 Lakhs | ₹20 Lakhs | ₹25 Lakhs |
Policy TermAvailable for 1 Year, 2 Years and 3 Years. |
In-Patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered up to the Sum Insured. |
Room RentCovered up to ₹5,000 per day. |
Pre-HospitalisationMedical expenses incurred up to 30 days before hospitalisation are covered. |
Post-HospitalisationMedical expenses incurred up to 60 days after discharge are covered. |
Day Care ProceduresAll day care treatments requiring less than 24 hours of hospitalisation are covered. |
Modern TreatmentsCoverage for advanced medical procedures including robotic surgeries, oral chemotherapy, immunotherapy, stem cell therapy and more. |
AYUSH TreatmentCoverage for in-patient treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy systems. |
Home Care TreatmentCoverage for specified treatments taken at home, subject to policy terms and eligibility. |
Domiciliary HospitalisationMedical treatment taken at home for more than 3 days when hospitalisation is not possible is covered. |
Road AmbulanceCoverage for ambulance expenses incurred for hospital admission, transfer between hospitals and transportation to residence. |
Air AmbulanceCovered up to ₹5 Lakhs per policy year, if medically advised. |
Organ Donor ExpensesCoverage for organ transplantation expenses, including donor-related Post Donation Complications. |
Automatic Restoration of Sum Insured100% of the Sum Insured gets automatically restored unlimited times during the policy year upon partial or full utilization of the Sum Insured. |
Cumulative Bonus50% increase in Sum Insured for every claim-free year, up to a maximum of 100%. |
Premium WaiverOne-year premium waiver if the proposer (who is also insured) is diagnosed with a listed critical illness or dies due to an accident. |
Freeze Your AgePremiums are based on entry age until the first claim or up to 55 years of age, whichever is earlier. |
Sum Insured MultiplierCombine & utilize the annual Sum Insured of base policy across the policy term. Applicable only for long term policies. |
STAR Wellness ProgramEarn wellness points through healthy activities and redeem them for up to 20% discount on renewal premiums. |
Durable Medical Equipment CoverCoverage up to ₹1 Lakh per policy year for rental or purchase of medical equipment like oxygen concentrators and wheelchairs. |
Nursing at Home₹1,000 per day for up to 10 days post-hospitalisation for qualified nursing care at home. |
Consumables CoverCoverage for listed non-payable consumable items during admissible hospitalisation claims. |
Grace Period CoverCoverage available during the grace period for policies due for renewal. |
Premium ReturnRefund of the 1st year base premium if there are no in-patient claims for 5 continuous years. |
Health BoosterAdditional 100% base Sum Insured for every block of 7 claim-free years. |
E-ConnectAccess to virtual fitness sessions, nutritionist support and E-International second medical opinion services. |
Value NetworkAccess to an extensive hospital network. A 15% co-payment applies if treatment is taken outside the Value Network Hospitals. |
Optional CoversCustomise your policy with optional benefits such as:
Single Private AC Room upgrade,
Stay Fit,
Mamta (Women Wellness Care),
Param Seva (Senior Citizen Wellness Care),
In-Clinic Consultation,
Voluntary Deductible,
Voluntary Co-pay |
Waiting PeriodsInitial waiting period: 30 days,
Specified diseases: 24 months,
Pre-existing diseases: 36 months, |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
96% of our claims are settled under cashless within 3 hours and 96% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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Value Plus
Secure your family's future with Value Plus, a versatile health insurance coverage option offered by Star Health Insurance. Designed to support evolving lifestyles, this policy provides extensive medical security tailored for individuals, couples, and growing families.
Key Features & Unique Benefits
- Freeze Your Age: Lock in your premium based on your entry age. Your premium remains unchanged at renewal until your first In-Patient, Day Care, or AYUSH claim is paid, or you turn 55.
- Premium Return: Stay healthy and get rewarded. If you remain claim-free for 5 consecutive policy years, your entire first-year base premium will be refunded.
- Sum Insured Multiplier: Maximize long-term policies by combining your annual Sum Insured across the policy tenure to cover a single massive claim.
- Health Booster: Enjoy an additional 100% of your base policy Sum Insured for every block of 7 claim-free years.
- Value Network: Gain access to thousands of leading network hospitals. Choosing a listed hospital eliminates the 15% co-payment required at outside facilities.
Robust Base Covers
Value Plus ensures complete peace of mind with robust base features up to your chosen Sum Insured. Enjoy up to ₹5,000 per day for room rent, complete coverage for all Day Care treatments, and advanced Modern Treatments. The policy also handles 30 days of pre-hospitalisation and 60 days of post-hospitalisation medical expenses. For emergency scenarios, it includes Road Ambulance and Air Ambulance services up to ₹5 Lakhs per year.
Choose flexible sum insured options ranging from ₹7.5 Lakhs to ₹25 Lakhs with policy terms up to 3 years. Protect your loved ones today with Value Plus.
Disclaimer:
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
