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&nbsp;Registered Office: No 1, New Tank Street, Valluvarkottam High Road, Nungambakkam, Chennai 600034 IRDAI Registration No: 129 | CIN : L66010TN2005PLC056649 | Ph: 044-28288800 | Fax: 044-28260062 | Email: info@starhealth.in | Website: <a href="https://www.starhealth.in/" target="_blank" rel="noopener noreferrer">www.starhealth.in</a> Toll Free Number -1800-425-2255 / 1800-102-4477 | Corporate Customers - 044 43664666

Star Health and Allied Insurance Co Ltd

&nbsp;Insurance Regulatory And Development Authority Of India Sy No. 115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad – 500032 Website: <a href="https://www.irdai.gov.in/" target="_blank" rel="noopener noreferrer">https://www.irdai.gov.in</a>

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&nbsp;IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.&nbsp;Star Health and Allied Insurance Co Ltd, IRDAI licensed stand-alone health insurer, hereby makes it clear to customers and would be customers and those visiting this website, run officially by this company for its benefit and the interest of its stakeholders, that there could be websites or entities running duplicate sites and offering for sale products belonging to this company. The customers are warned to make enquiries and be satisfied before they close any transaction. This company does not hold itself responsible for any transactions the customers may enter into with entities misrepresenting themselves on behalf of Star Health and Allied Insurance Co Ltd. This insurer is ready and willing to clarify any doubts that may arise to customers to be satisfied with the authenticity of the website and entity engaged with by them so that they can enter into transactions only of the genuine kind to better protect their interests. This Important Disclaimer may kindly be read and noted for the benefit of all stakeholders, particularly, customers of the insurance company.&nbsp;Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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PRODUCT LIST

<h2>Best Mediclaim Health Insurance Policy in India</h2>&nbsp;<h3>Health Insurance Plans provide Comprehensive Coverage</h3>&nbsp;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.&nbsp;<h3>Health Insurance Plans provide more Flexibility</h3>&nbsp;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.&nbsp;<h3>Health Insurance Plans Allow Additional Disease-Specific Coverage</h3>&nbsp;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 &nbsp;Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy and Star Cancer Care Platinum Insurance Policy.&nbsp;<h3>Health Insurance Plans Cover non-Hospitalisation Expenses</h3>&nbsp;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.

<h2 style="margin-left:0px;">Our Best Health Insurance Plans</h2>&nbsp;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.&nbsp;<ul><li>Individual Health Insurance Plan</li></ul>Buying Individual Health Insurance plans cover an individual person for opted Sum insured, which can be used by the insured individual only.&nbsp;<ul><li>Family Floater Health Insurance Plan</li></ul>In the context of <a href="/health-insurance/family/" target="_blank" rel="noopener noreferrer">Family Health Insurance</a>, 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.

Diabetes is among one of the most common disorders with a huge number of 50.9 million people, driving India to the second position of the most affected country in the world, says Diabetes Foundation of India in a recent survey. A sedentary lifestyle, usage of tobacco, and unhealthy food habits are the factors that stand foremost leading to diabetes, according to WHO.&nbsp;Diabetes Safe Insurance Policy offers coverage for regular in-patient hospitalisation due to illness/accidents and diabetes complications arising out of Type 1/Type 2 . This is a specialized plan designed for people already with a history of diabetes. The plan covers diabetic complications and all other illnesses that require 24 hours of hospitalisation on both individual and family floater basis.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Features</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;">Entry age (for adult)</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 65 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year/2 years/3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">3 / 4 / 5 /10 lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual/Floater</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">On buying our Health Insurance Policy online, avail 5% discount</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period Non- diabetic compilations</td><td style="border:1px solid black;padding:12px;width:400px;">PED-48 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Diabetes Safe Insurance Policy (UIN:SHAHLIP23081V082223 )

During the pandemic, even the best coverage is not sufficient. This Health Insurance Plan is a top-up plan that will cover medical costs, over and above a threshold limit. The plan is designed to cover exorbitant medical expenses with affordable premiums up to 1 crore sum insured. This health insurance plan is available both on an individual and floater basis that can cover your family too.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Features</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;">Entry age (for adult)</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 65 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Dependent children</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">91 days to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year/ 2 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual - 5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs Floater -- 5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 Lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual and Floater</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">On buying our medical insurance policy online, directly for the first time, avail 5% discount</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-12 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 12 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Super Surplus Insurance Policy (UIN: SHAHLIP22035V062122) & Star Super Surplus (Floater) Insurance Policy (UIN: SHAHLIP22034V062122) are Top-Up Health Insurance Plans

Your heart needs all the extra care and timely protection. This is a unique health insurance plan that helps individuals from the age of 7 to 70 years, diagnosed with a cardiac ailment or undergone a cardiac surgical intervention.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Features</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;">Entry age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">7 years to 70 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year/ 2 years / 3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5 / 7.5 / 10 /15 lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Cumulative Bonus</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Up to 100% of basic sum insured</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Pre-acceptance Medical Screening</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Not required</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Automatic Restoration</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">100% of basic sum insured applicable for non-cardiac ailments</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">10% discount on the renewal premium, by submitting specific medical reports and are normal.</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period Non-cardiac Ailments</td><td style="border:1px solid black;padding:12px;width:400px;">PED-48 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr><tr><td style="background-color:rgb(255, 255, 255);border:1px solid black;padding:12px;width:400px;">Waiting Period Cardiac Ailments</td><td style="background-color:rgb(255, 255, 255);border:1px solid black;padding:12px;width:400px;">30days</td><td style="background-color:rgb(255, 255, 255);border:1px solid black;padding:12px;width:400px;">Heart transplantation 24 months</td><td>&nbsp;</td></tr></tbody></table></figure>

Star Cardiac Care Insurance Policy-Platinum (UIN: SHAHLIP22033V022122)

As the name itself says, this Health Insurance Plan is an all-inclusive plan that can cover both individual or family with a lifetime renewability benefit.&nbsp;With individual and family floater coverage, this health insurance plan offers various Sum Insured options. Depending on their needs, while buying the policy, the individuals/families can choose the specified sum insured option with a minimum of 5 lakhs and a maximum of 1 crore.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Features</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="4">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;">Eligibility (for adult)</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">18 – 65 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Dependent Children</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">91 days - 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">1 year/2 years/3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Installment facility for premium payment</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">Quarterly/Half-yearly</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">5 / 7.5 / 10 / 15 /20 /25 /50 /75 / 100 Lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">Individual and Floater</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">2% - 10% - on Renewal Premium under Wellness Rewards ProgramOn buying our Health Insurance Policy online, avail 5% discount</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting Periods</td><td style="border:1px solid black;padding:12px;width:400px;">PED-36 months</td><td style="border:1px solid black;padding:12px;width:400px;">Option to buy-back PED. Waiting periods reduced to 36 months to 12 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Star Comprehensive Insurance Policy (UIN: SHAHLIP22028V072122)

This Health Insurance Plan is an ideal health insurance policy for senior citizens in the age group of 60 and 75 years. The policy comes with a lifelong renewal option, covering a range of daycare procedures/treatments, pre-existing diseases, modern treatments and significant medical interventions that may be required for the elderly. A nominal co-payment of 30% for all claims.&nbsp;Return your parent’s unconditional support and love they bestowed. Ensure parents receive the right protection and care during their old age by gifting them the Senior Citizen Red Carpet Policy and avail tax exemption under section 80D.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">60 years to 75 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year/ 2 years / 3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual :- 1 / 2 / 3 /4 / 5 / 7.5 / 10 / 15 / 20 / 25 in LakhsFloater :- 10 / 15 / 20 / 25 in lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Pre-insurance Medical Screening</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Not Required</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Co-payment</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">For S.I. :- 1 / 2 / 3 / 4 / 5 / 7.5 / 10 / 15/ 20/ 25 Lakhs (All Claims – 30%)</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5 % on online Purchase &amp; Renewals10% of the premium will be allowed if the proposer produces the following documents<ol><li>Stress Thallium Report</li><li>BP Report</li><li>Sugar (blood &amp; urine)</li><li>Blood urea &amp; creatinine</li></ol></td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-12 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Senior Citizens Red Carpet Health Insurance Policy (UIN: SHAHLIP22199V062122)

Providing family needs can be economically challenging. Hence, a super saver policy keeping the expenses to a minimum yet covering the whole family can be your option. This Floater Health Insurance Plan is appropriately priced so that you can cope with the most challenging health issues of every family member, even the youngest ones. On buying the policy, you can protect your newborn from the very start of the 16th day of birth from any medical complications with in-hospitalisation charges covered. This plan comes with an array of USPs like Automatic Restoration at 300% of the Sum Insured, repatriation of mortal remains, compassionate travel, emergency domestic medical evacuation, organ donor expenses, recharge benefit, sum insured for road traffic accidents, assisted reproduction treatment and more.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Features</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;">Entry age (for adult)</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 65 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Dependent children</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">16 days to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">3 / 4 /5 /10 /15 /20 /25 lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Floater</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">On buying our medical insurance policy online, directly for the first time, avail 5% discount</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-48 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>&nbsp; &nbsp;

Family Health Optima Insurance Plan (UIN: SHAHLIP23164V072223)

This Health Insurance Plan provides a plethora of benefits for individuals. With this feature-packed health insurance plan, anyone from 16 days to 65 years can be covered with no capping on age for renewals after 65 years.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria - Gold</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="2">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">16 days to 65 years</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual (1A) A= Adult</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year/ 2 years / 3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">3 / 4 / 5 /10 /15 /20 /25 Lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">On buying our Health Insurance Policy online, avail 5% discount25% under gold variant (if insured, submits a proof of major organ donor.)5% family discount - On buying additional policy for a family member</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-48 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Medi Classic Insurance Policy (Individual) (UIN: SHAHLIP23037V072223)

Arogya Sanjeevani means wellness forever, something we want for ourselves and everyone around us. This wholesome Health Insurance plan mandated by IRDAI allows higher penetration of Health Insurance including self, spouse, dependent children and parents up to 65 years of age, of course with a lifelong renewal option.&nbsp;If buying affordable Health Insurance covering the basics is on your wish list, then Arogya Sanjeevani Policy is a great choice for the rural population offering a 20% discount. Preserve the tight-knit bonds of families in sickness and health with coverage up to 10 lakhs for in-patient hospitalisation, daycare procedures, COVID-19 treatment, AYUSH treatment and more.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="2">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 65 years</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Dependent Children – 3 months to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">0.5 lakh to 10 lakhs ( multiples of 50 thousand)</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Co-payment</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5% to all admissible claims</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">20% discount for rural population</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-48 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24/48 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd (UIN: SHAHLIP22027V032122)

It’s better to solve a problem in the beginning than it becomes much bigger. Consulting a doctor to resolve a problem, outpatient consultations and treatments are the most crucial in general maintenance of our health. Outpatient treatments cannot be avoided and will be a top priority to feel good. Imagine the money you could save on that consultation with your dentist for a root canal, or the times you have visited an eye clinic.&nbsp;This Health Insurance plan covers outpatient treatment expenses like consultant fees, pharmacy bills, payments for X-rays, investigations and diagnostics physiotherapy, the so-called out-of-pocket expenses that may not be covered in your standard health plan. This health policy is available in three variants – Silver, Gold and Platinum. It is an industry-specific Health Insurance plan exclusively covering OP consultations. Reap the benefits of premiums discounted up to 25% post 2 claim-free years.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th><th>&nbsp;</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="2">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 50 years</td><td>&nbsp;</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Dependent Children – 31 days to 25 years</td><td>&nbsp;</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">1 year</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">25,000 / 50,000 / 75, 000 / 1,00, 000</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">25% discount of the premium after every block of two continuous claim free years.On buying our medical insurance policy online, avail 5% discount</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED- 48/24/12 months (silver/Gold/Platinum)</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td><td>&nbsp;</td><td>&nbsp;</td></tr></tbody></table></figure>

Star Outpatient Care Insurance Policy (UIN: SHAHLIP22231V012122)

When it comes to treating a loved one, even the little things matter. This Health Insurance Plan is designed to take care of every little expense you incur during your hospitalisation.&nbsp;This Health Insurance Plan provides daily hospital cash when you are confined in the hospital. The Policy can be a supplement or add-on to all the medical plans offered by Star Health. You can avail of cash-in-hand benefits of up to Rs. 5000 per day for the number of days chosen by you.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="4">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="2">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">18 years to 50 years</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">Dependent Children – 91 days to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4">1 year / 2 years / 3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Plan Options</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1" rowspan="2">Basic Amount (per day) options</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1">1000/- , 2000/-, 3000/-</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1" rowspan="2">Enhanced Amount (per day) options</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="1">3000/-, 4000/- , 5000/-</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">No. of days</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1">30 / 60 /90/ 120/180</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="1">90 / 120 / 180</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="4"><ul><li>10% - for covering more than 2 family members under the same policy under Individual cover</li><li>On buying our Health Insurance Policy online, avail 5% discount</li></ul></td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="2">Basic Plan<ul><li>PED – 36 months</li><li>Specific diseases – 24 months</li><li>Initial illness – 30 days</li></ul></td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="2">Enhanced Plan<ul><li>PED – 24 months</li><li>Specific Diseases – 24 Months</li><li>Initial illness – 30 days</li></ul></td></tr></tbody></table></figure>&nbsp;<ul><li>The policy provides daily hospital cash during the insured’s confinement in the hospital in addition to any of the insured’s existing medical benefits.</li><li>The Policy can be added to all the medical plans offered by Star Health.</li></ul> &nbsp;

Star Hospital Cash Insurance Policy (UIN: SHAHLIP20046V011920)

India is one of the countries with the youngest population globally. India’s millennials are a valuable asset to the economic growth of the country. Hence, the youth of the nation should be filled with vibrancy and energy. Capitalize on the most vibrant years of your life with the help of this Health Insurance Plan. This health plan is specially designed for young adults below 40 who envision a healthy life for themselves and their families.&nbsp;On buying the plan, you can avail wide range of benefits ranging from incentive-led wellness programs, the lowest waiting periods, coverage of pre- and post-hospitalisation expenses, no-claim bonus, annual check-ups, automatic restoration of the sum insured and additional basic sum insured for road traffic accidents.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="2">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 40 years</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Dependent Children – 3 months to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Renewal</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1">Lifelong</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1">Plan options</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="1"><ul><li>Gold</li><li>Silver</li></ul></td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year / 2 years / 3 years instalment Premium – quarterly / half yearly</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">3 / 4 / 5 / 10 /15 /20 /25 /50 /75 /100 Lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">2% - 10% - on Renewal Premium under Wellness Rewards ProgramOn buying our medical insurance policy online, directly for the first time, avail 5% discountEarly Entry discount - 10% on the premium for renewing after 40 yrs , by purchasing it before 36 yrs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Waiting Periods</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1">PED-12 months</td><td style="border:1px solid black;padding:12px;width:400px;" colspan="1">Specific Diseases- 12 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="1">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Young Star Insurance Policy (UIN: SHAHLIP22036V042122)

Access to good health and hospitals must be available to all. In the case of this Health Insurance Plan, it does not matter where you live or how much you earn. This Health Insurance Plan is designed to safeguard the hands that feed us.&nbsp;Get an Individual Health Insurance Plan for a sum insured of Rs. 1 lakh and a family floater plan for Rs. 2 lakh, respectively. Get coverage on room rent, consultant fees, ICU charges, modern treatments and all daycare procedures.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="2">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 65 years</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Dependent Children – 12 months to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="2">Sum Insured</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual - 1 lakh</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Floater – 2 lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Co-payment</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">20% to all admissible claims, if entry is 61 years &amp; above</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-6 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases - 6 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Star Micro Rural and Farmers Care (UIN: SHAHMIP22038V032122)

Women play an integral part in shaping the society. In the midst of daily challenges such as new tasks to unfold her talent, dreams to focus on, goals to pursue, household work to complete, etc., she often forgets to care for herself.&nbsp;Do not let your health or related expenses bother you while embarking on your success journey. Our Star Women Care Insurance Policy is specially designed to favour the healthcare need of women. In addition, this policy can also be opted on a floater basis that provides cover for self, spouse and dependent children. This policy is crafted with major benefits such as star mother care, delivery expenses, assisted reproduction treatment, anti-natal care (pregnancy care), in-utero fetal surgery/repair, outpatient consultation, etc., that work in favour of the needs of women.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 75 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Dependent Children</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">91 days to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year/ 2 years / 3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual and Floater</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5 / 10 / 15 / 20 / 25 / 50 / 100 in Lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Pre- acceptance Medical Screening</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Not Required. Pregnant women has to submit the scan reports taken at Star Health specified scan centres during their 12th and 20th week of their pregnancy period. The cost of such scan will be borne by the insured.</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="3">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5 % on online Purchase &amp; Renewals</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">2% - 10% - on Renewal Premium under Star Wellness Program</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Long Term Discount: 10% discount on 2nd year premium and 11.25% discount on 2nd and 3rd year premium.</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-24 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Star Women Care Insurance Policy (UIN: SHAHLIP23132V022223)

Turning 50 doesn’t mean you are getting old, but instead getting wiser than ever. If you still don’t have a Health Insurance Policy, make a wise decision to buy one. Enjoy every stage of your life and do not let go of your hard-earned savings for medical expenses.&nbsp;In that concern, a Health Insurance Policy can provide cover for your medical expenses, thus making way to preserve your savings and enjoy your 50’s. Our Star Health Premier Insurance Policy is designed for people aged 50 and above without any maximum age limit. The spouse and dependent children can also be covered under the same policy on a Floater basis. This is a comprehensive policy having a Sum Insured option of up to Rs. 1 Crore with unique features such as home care treatment, domiciliary hospitalisation, coverage for non-medical items, air ambulance, hospice care, outpatient medical expenses, etc., at an affordable premium.&nbsp;<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Min - 50 years for primary member &amp; Max - Up to Any Age</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Dependent Children</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">91 days to 25 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">&nbsp;1 year/ 2 years / 3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual and Floater</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">10 / 20 / 30 / 50 / 75 / 100 in Lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Pre- acceptance Medical Screening</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Not Required.</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="4">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5 % on online Purchase &amp; Renewals</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">2% - 10% - on Renewal Premium under Star Wellness Program</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Long Term Discount: If the policy term opted is 2 years, 10% discount on 2nd year premium and if the policy term opted is 3 years 11.25% discount on 2nd and 3rd year premium.</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">10% of the premium will be allowed if the proposer produces the following medical records and subject to the findings in the submitted reports<ol><li>Stress ECHO Report / TMT (done under guidance)</li><li>BP Report (3 readings)</li><li>Fasting Blood Sugar (FBS) and HbA1C</li><li>Blood urea &amp; creatinine</li><li>Complete Urine Examination (CUE)</li></ol></td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-24 months</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Star Health Premier Insurance Policy (UIN: SHAHLIP22226V012122)

Health and well-being are the greatest assets for everyone. Our Star Health Assure Insurance Policy can cover you and your loved ones under a single roof. This is a comprehensive insurance policy which can be availed either on an Individual or a Floater basis.&nbsp;The policy can cover up to 6 adults (self, spouse, parents &amp; parents-in-law) and three dependent children. If the children covered under the Floater basis are above 17 years of age, then the family size can be 9 adults. This policy gives you several benefits such as mid-term inclusion, delivery expenses, home care treatment, treatment for chronic severe refractory asthma, assisted reproduction treatment, rehabilitation &amp; pain management, compassionate travel and much more. You can avail various discounts in this policy such as long-term discounts, Star Wellness Program discounts and premium discounts on choosing deductibles (optional cover).<figure class="table" style="width:1194.08px;"><table><thead><tr><th style="border:1px solid black;padding:12px;text-align:center;width:200px;" rowspan="1">Subject</th><th style="border:1px solid black;padding:12px 24px 12px 12px;text-align:center;width:200px;" colspan="3">Criteria</th></tr></thead><tbody><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Entry Age</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">18 years to 75 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Dependent Children</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">16 days to 17 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Renewal</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Lifelong</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Policy period</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">1 year/ 2 years / 3 years</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Product type</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Individual and Floater</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Sum Insured in INR</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 / 200 in Lakhs</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="1">Pre- acceptance Medical Screening</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Not Required.</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;" rowspan="3">Discounts</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">5 % on online Purchase &amp; Renewals</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">4% - 20% - on Renewal Premium under Star Wellness Program</td></tr><tr><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;" colspan="3">Long Term Discount: If the policy term opted is 2 years, 10% discount on 2nd year premium and if the policy term opted is 3 years 10% on 2nd and 3rd year premium</td></tr><tr><td style="border:1px solid black;padding:12px;width:400px;">Waiting period</td><td style="border:1px solid black;padding:12px;width:400px;">PED-30 months (for 3 year term) &amp; 36 months (for 1 &amp; 2 year term)</td><td style="border:1px solid black;padding:12px;width:400px;">Specific Diseases- 24 months</td><td style="border:1px solid black;padding:12px 24px 12px 12px;width:400px;">Initial waiting period – 30 days (except for accidents)</td></tr></tbody></table></figure>

Star Health Assure Insurance Policy (UIN: SHAHLIP23131V022223)

List of our Best-Buy Health Insurance Policies

<h2 style="margin-left:0px;">Key factors to consider before buying your Health Insurance Policy</h2>&nbsp;Choosing the best Health Insurance is quite a task. It is hard to pick the best plan while numerous firms are offering Health Insurance. The inclusion and exclusion differ from each policy. Every information that you gather will help you in the process of choosing the right Health Insurance Plan.&nbsp;If you are planning to buy Health Insurance, you should also pick the right Insurance Provider.&nbsp;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.&nbsp;When it comes to choosing the best Health Insurance Policy, be mindful of the following:&nbsp;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.&nbsp;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.&nbsp;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.&nbsp;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.&nbsp;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.&nbsp;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.

<h2>Our Best Speciality Health Insurance Plans</h2>&nbsp;Policy for Diabetes&nbsp;The evolving lifestyle gives rise to serious diseases and disorders. One such complication is Diabetes. With the rise in medical inflation, having a <a href="/health-insurance/diabetes-safe/">Diabetes Insurance plan</a> 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 &amp; type 2 Diabetes.&nbsp;Policy for Cancer&nbsp;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.&nbsp;Policy for Cardiac Ailments&nbsp;Lifestyle changes also come with complications. With ever-increasing risks of cardiovascular illnesses and other associated complications, it becomes crucial that you secure yourself with the best Health Insurance plan. Our Star Cardiac Care Insurance Policy-Platinum provides wide coverage for cardiac illnesses. It doesn’t stop there. It gives coverage for non-cardiac ailments as well.&nbsp;Policy for Critical Illness&nbsp;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.

<h2 style="margin-left:0px;">Why Star Health is a Best Health Insurance Company?</h2>&nbsp;Our motto is to serve the customers with the utmost care. We listen deeply to you, so we can provide Health Insurance plans that earn your trust.We are a Health Insurance Specialist, and here goes our list of most recent achievements on our customer-centric policies:&nbsp;<ul><li>India’s Best Health Insurance Company For Retail Product – Insurance Alerts</li><li>Most Innovative New Product of the Year 2020</li><li>Young Star Insurance Policy had been awarded the Most Innovative New Product of the Year at ASSOCHAM’s Insurance E-Summit and Awards 2020</li><li>Best BFSI Brands 2019 by Economic Times</li><li>Best Health Insurance Provider of the year – Business Today, Money Today Financial Awards 2018–2019</li><li>Health Insurance Provider of the year Silver Award by Outlook Money Awards 2018</li></ul>

<h3 style="margin-left:0px;">Reasons to choose Star Health Insurance Company as your Insurance Provider</h3>&nbsp;<ul><li>Customer – centric company</li></ul>&nbsp;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.&nbsp;<ul><li>89.9% of claims settled in less than 2 hours under cashless at our network hospitals &nbsp;</li></ul>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.&nbsp;<ul><li>PAN India presence &nbsp;</li></ul>Ever-growing 14,000+ network hospitals across India.&nbsp;<ul><li>Claims settled by qualified doctors &nbsp;</li></ul>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.&nbsp;<ul><li>No Third-Party Administration (TPA) &nbsp;</li></ul>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.&nbsp;<ul><li>A high-quality free telemedicine facility for all &nbsp;</li></ul>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.&nbsp;<ul><li>Wellness programs &nbsp;</li></ul>Star Health Insurance supports the active maintenance of good health with unique wellness programs that encourage a healthy lifestyle.

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

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Health Insurance for Individuals

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

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Health Insurance for Family

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

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Health Insurance for Parents

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

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Health Insurance for Maternity

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Health insurance plans cover your medical expenses for illness, accidents etc. Buy Star Health's Insurance policy & avail best benefits like cashless hospitalisation, fast claims settlements, etc.

Health Insurance India

Contact the insurance desk at a network hospital. Share the Customer ID and Policy copy of the Insured patient.Intimate a planned hospitalisation about 7 to 10 days in advance, while an emergency hospitalisation is to be informed within &nbsp;24 hours of admission.<h4>&nbsp;</h4><h4>Procedure</h4>&nbsp;<ul><li>Register claim</li><li>The documents are sent to the Star Health Claims Team</li><li>The documents get verified by the Claim Processing Team</li><li>The network hospital receives the decision of claim approval, query for additional documents or denial of cashless payment or rejection within two hours</li><li>When accepted, the claim gets resolved according to the terms of the insurance</li><li>Pay the difference, if any, before discharge</li></ul>

Cashless Claim Procedure

To claim reimbursement, the insured pays the hospital expenses. Within 15 days of the discharge date, the Insured is required to submit all the original documents to the Insurer. &nbsp;&nbsp;<h4>Documents required for Health Insurance claim reimbursement</h4>&nbsp;<ul><li>Duly filled claim form</li><li>Discharge summary from the hospital</li><li>Pre-admission investigation and treatment papers</li><li>Final Bill with detailed break up Cash receipt from the hospital and chemist</li><li>Receipt from attending doctors and surgeons regarding the diagnosis</li><li>Copy of PAN card, Aadhar card, cancelled cheque or NEFT details</li></ul>&nbsp;For further assistance and queries, reach out to our customer care to get the queries cleared. &nbsp;

Reimbursement Claim Procedure

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

What is the procedure for Health Insurance claims?

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.&nbsp;1. Sum-Insured&nbsp;Sum-insured is the policy coverage amount.&nbsp;2. Premium&nbsp;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.&nbsp;3. Cashless Claims&nbsp;Cashless claims are health insurance claims that can be availed in the insurer’s network hospitals.&nbsp;4. Add-On Covers&nbsp;Add-on covers are additional features that offers additional financial covers in health insurance against unknown medical emergencies that involves high medical costs.&nbsp;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.&nbsp;5. Critical Illness&nbsp;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.&nbsp;6. Network Hospitals&nbsp;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.&nbsp;7. Automatic Restoration&nbsp;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.&nbsp;8. Pre-Existing Disease/Co-Morbidities&nbsp;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.&nbsp;9. Exclusions&nbsp;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.&nbsp;10. Inclusions&nbsp;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.&nbsp;11. Waiting Period&nbsp;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.&nbsp;12. Top-Up Plans&nbsp;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. &nbsp;&nbsp;13. Co-Payment&nbsp;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.

Health Insurance terms you need to know about

Some of the reasons why health insurance is required.&nbsp;Health insurance protects you and your family from sudden hefty medical bills, which can be financially stressful.&nbsp;Health insurance covers the treatment cost for health conditions and other lifestyle diseases like cardiovascular diseases, diabetes and hypertension.&nbsp;When you purchase health insurance, you can avail the tax benefit under section 80D.&nbsp; &nbsp;

What is the need for Health Insurance?

Sum Insured&nbsp;Make sure to choose a policy with a coverage at an affordable premium in a policy year for hospitalisation.&nbsp;Coverage Amount&nbsp;When opting for health insurance, check the coverage amount under each policy. Choose the policy covering medical expenses like hospitalisation, daycare, ambulance and maternity.&nbsp;Family Floater Plans&nbsp;Prefer family floater plans, which will cover the whole family. Family floater plans are affordable and will cover the whole family.&nbsp;Compare Various Policies&nbsp;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.

How to pick a suitable Health Insurance plan from Star?

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.

What are the optional add-ons in Health Insurance?

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.&nbsp;&nbsp;<ul><li>Age</li></ul>&nbsp;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.&nbsp;<ul><li>Pre-Medical Screening</li></ul>&nbsp;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.&nbsp;<ul><li>Pre-Existing Disease (PED)</li></ul>&nbsp;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.&nbsp;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

What are the Health Insurance eligibility criteria?

Several factors will influence your health insurance plan, affecting whether the premium of your health insurance policy increases or decreases. Here are certain factors that influence the premium of your health insurance plan.&nbsp;<ul><li>Age</li></ul>&nbsp;Age determines the health insurance premium. The higher the age, the higher the premium for the health insurance plan. With the increase in age, you are more prone to developing age-related diseases and require medical care, which raises the premium of your health insurance coverage.&nbsp;<ul><li>Medical History</li></ul>&nbsp;The premium for the policy increases when there is a pre-existing disease.&nbsp;<ul><li>Duration of the Policy</li></ul>&nbsp;The length of the health insurance policy will impact the premium of the plan. The premium tends to be lower for a higher-duration policy.&nbsp;<ul><li>Habits</li></ul>&nbsp;You are more likely to experience significant health problems if you smoke, drink, etc. These lifestyle habits affect the health insurance premium.&nbsp;<ul><li>Occupation</li></ul>&nbsp;The nature of your occupation or work influences the health insurance premium. The premium increases while working in harmful environments or having a stressful job.&nbsp;<ul><li>Body Mass Index</li></ul>&nbsp;Diabetes, obesity, heart disease, and other disease are related to the BMI index. The insurance premium is higher for those with high BMI indices.

What are the factors that affect Health Insurance premiums?

The following tips will help you lower your medical insurance premium:&nbsp;<ul><li>Purchase Health Insurance Early</li></ul>&nbsp;Age is a primary factor that influences your health insurance premium. Early purchase of Star Health Insurance’s Young Star plan results in a 5% lifetime discount. It is important to lock in a low premium rate for the health protection plan while you are well and in the prime of your life.&nbsp;<ul><li>Consider Top-Ups&nbsp;</li></ul>&nbsp;Top-up plans will help you increase your insurance protection, making you always prepared for medical emergencies within your budget. They also help you control your health insurance coverage and premium costs.&nbsp;<ul><li>Comparing Various Health Insurance Plans</li></ul>&nbsp;Think about and compare different health insurance policies before making a purchase. Though some insurance policies may have high premiums, higher coverage is not always guaranteed. Therefore, weigh all the advantages and disadvantages, including the features, exclusions, perks, etc., before making a decision.&nbsp;<ul><li>Purchase Online</li></ul>&nbsp;Buying your insurance online helps you save money. Normally, online purchasing is more economical than offline channels, lowering the annual premium liability of policyholders.&nbsp;<ul><li>Select Family Floater Plans</li></ul>&nbsp;Although the needs for health insurance are unique for every individual, these plans are made to fit all the members of a family.A family-floater plan pays for all family members’ medical bills. However, it is considerably less expensive than if you had to purchase a separate plan for every member of your family.Any family member who needs it due to an urgent medical situation may use the money assured under the plan.&nbsp;<ul><li>Maintain a Healthy, Active Lifestyle</li></ul>&nbsp;Your lifestyle significantly impacts the premium for your health insurance plan. Life-threatening diseases are less likely to affect those who don’t smoke, drink, use tobacco, or use drugs. As a result, people who lead healthy lifestyles get minimal premiums.

How to reduce Health Insurance premiums?

The health insurance premium is determined by a number of factors, including your medical history, the sum insured and your family’s medical history.&nbsp;You can choose to pay it every month, every quarter, every half year, or annually.&nbsp;You can opt for a plan with a premium payment that doesn’t seem like a burden if you have knowledge of your needs and capacities.&nbsp;

How to calculate Health Insurance premiums?

#1 People in good health don’t require health insuranceYou can reap the long-term benefits of health insurance even when you’re healthy and young. Health insurance protects you from any unforeseen health.&nbsp;#2 Insurance doesn’t cover pregnancyThere are insurance policies with maternity coverage subject to certain terms and conditions.&nbsp;&nbsp;#3 Your entire medical expenses will be reimbursedThe 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.&nbsp;&nbsp;#4 Online health insurance purchases are not safeHealth 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.&nbsp;