Medical Health Plans to ensure complete coverage for your family.
Why Choose Star Health Insurance
91+
Network Hospitals to avail cashless claims
2%
Cashless final approvals within 3 hours.
19+
Branch offices across India
0Cr
Claims settled since inception
What is Health Insurance?
Medical Insurance or Health Insurance is a shield that protects you and your family from financial instability during health emergencies. Against the common misconception that only elderly or people with health risks need to be secured, it is essential for everyone. The best mediclaim policy for family should offer peace of mind in times of hospitalization by taking care of your medical bills. You can buy medical insurance online to ensure quick & efficient service.
Uncertainties like COVID-19 have taught us the critical need for medical insurance. On the other hand, with the continuous spike in healthcare inflation, good family health coverage plans can protect your finances either by providing cashless treatments or reimbursements on the incurred medical expenses. The flexibility of our medical insurance plans for families allows you to get the correct plan according your needs.
Best Health Insurance Plans for Family
Star Health Assure Insurance Policy
IRDAI UIN : SHAHLIP23131V022223For those seeking widest benefits & highest coverage for risk.
Young Star Insurance Policy
IRDAI UIN : SHAHLIP22036V042122For the young & healthy, seeking a risk protection policy
Star Comprehensive Insurance Policy
IRDAI UIN : SHAHLIP25037V082425For those seeking complete coverage & pre-existing disease waiting period reduction.
IMPORTANCE OF MEDICAL INSURANCE
Why Do I Need a Health Insurance Plan?
The rising medical costs and an ever-increasing number of diseases make medical insurance a necessity. While doing your financial planning, you should always add a medical insurance plan to your list. The best family health insurance is the one that meets your needs. At Star Health our expert advisors and array of unique plans ensures you get the best policy according to your requirements.
Why Star Health is one of India’s top health insurance providers ?
As the Health Insurance Specialist, we extend our services from offering tailor-made quality medical insurance plans for family to fast in-house claim settlements. With our wide network of hospitals, we ensure easy access to fulfill your medical needs with cashless mediclaim for family floater policies. Our insurance experts, hassle-free claim settlement process and simple reimbursement policies help our customers choose the best medical policy for family health insurance needs.
Anywhere Cashless Claims
Now avail Anywhere Cashless Claims all across India. With 14000+ Network Hospitals, we are also one of India’s widest medical coverage providers.
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’s, instead you are secured by our qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2 hrs and 92% of claims are settled under reimbursement within 7 days.
Hospitals
We’ve got you covered by offering the best health insurance for family under our valuable service providers, 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 organizations.
How to Choose the Best Family Health Cover?
Buying a health insurance policy for family coverage is one of the most important investments you’ll ever make. But how do you choose the best medical insurance for family specific needs? Knowing the inclusions and exclusions can help.
Hospitalization Expenses
Most medical insurance plans cover hospitalization expenses such as room rents, ICU charges, surgery expenses, doctor consultations, etc. incurred on illness, injury or accidents.
Pre & Post-Hospitalization
Understanding the impact of rising medical expenses, most policies cover pre and post hospitalization expenses related to in-patient hospitalization.
Day Care Treatment
Technological advancements have reduced the time of surgeries and treatments that once cost a lot of time. Hence, buy a medical insurance that cover Day Care treatments and procedures.
Domiciliary Hospitalization
Some medical insurance policies also cover Domiciliary treatments taken at home on the advice of the medical practitioner.
Organ Donor Expenses
Most medical insurance policies cover Organ Donor Expenses. Organ harvesting and transplantation expenses are covered if the insured person is the recipient.
Road Traffic Accident
Accidents are unpredictable. Most medical insurance plans cover in-patient hospitalizations due to road traffic accidents.
AYUSH Cover
In addition to allopathic treatments, most medical insurance plans also cover alternative systems of medicines such as Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy.
Health Check-up
In addition to hospitalization and other benefits, medical insurance policies also cover the expenses incurred for health check-up.
Automatic Restoration
What if your medical expenses exceed your sum insured? At such times, the restoration benefit restores 100% of your Sum Insured automatically after its full or partial exhaustion.
Confused? We’ve got the answers
Get all your Health Insurance related doubts clarified.
Why do I need family health insurance?
Family Health insurance provides financial protection in the event of an illness or accident. Family health insurance is a floater policy where any family member can utilise the entire sum insured. Family coverage differs from one policy to another.
How much does a family health insurance plan cost?
Generally, health insurance premiums are based on the insured`s age, as this is the primary factor that determines the premium. Besides, past medical history, occupation, policy duration and plan type are also important factors that determine a policy’s premium.
What is the difference between Individual Health Insurance and Family Health insurance?
| Individual Health Insurance | Family Health Insurance |
|---|---|
| Sum insured can be utilised by one individual only | Sum insured can be utilised by any member of the family |
| Covers only one individual | Covers the entire family |
Who all can be covered in a family floater health insurance?
A family insurance policy can cover self, spouse, dependent children, parents and parents-in-law. Family Health Optima Insurance Plan and Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd. provide coverage for self, spouse, dependent children, parents and parents-in-law. Star Comprehensive Insurance Policy and Young Star Insurance Policy family insurance policies provide coverage for self, spouse and dependent children.
Is there any waiting period for claims under a Family health plan?
Waiting periods for pre-existing diseases are plan specific ranging from 1 year to 4 years.
Our Star Comprehensive Insurance Policy has 36 months waiting period for pre-existing diseases. However, there is an option cover called Buy back of pre-existing disease waiting period which reduces the waiting period from 36 to 12 months. Our Young Star Insurance Policy has a waiting period of 12 months on payment of additional premium and Family Health Optima Insurance Plan has a waiting period of 48 months for pre-existing diseases.
What is the maximum number of claims allowed over a year?
No matter how many times you make a claim, it is not limited. You can make claims up to the limits of your sum insured.
Can I buy more than one family health plan?
A family is allowed to hold any number of policies based on their affordability. There is no restriction on the number of policies one can hold subject to the previous Policies are disclosed in the Proposal form.
STAR Health - trusted by over 70 million families
Here is why
Best health insurance provider of the year 2020 - Financial Services Awards presented by Business Today -Money Today
Health Insurance Company of the year 2019 - India Insurance Summit & Awards 2020
Young Star Insurance Policy won the award for Most Innovative New Product of the Year - SSOCHAMs Insurance E-Summit and Awards 2020
Best Health Insurance Provider of the year 2019 -Financial Services Awards presented by Business Today -Money Today
Hear From Our Happy Customers
‘Happily Insured!’ with Star Health
Speedy & efficient means thru which my mediclaim was reimbursed to me. There is a huge improvement in services rendered by your organisation over the years. Thank you once again.
Sanjay Tandon
I received help from Star during my surgery and recovery. And my faith in the company has increased a lot. Thanks a lot.
Damayanti Upandhye
I didn’t really know that filing and getting my claim processed could be literally this easy. I took care of myself while the Star Health team took care of the cashless bill settlement at the hospital.
Abhi Patvardhan
Speedy & efficient means thru which my mediclaim was reimbursed to me. There is a huge improvement in services rendered by your organisation over the years. Thank you once again.
Sanjay Tandon
I received help from Star during my surgery and recovery. And my faith in the company has increased a lot. Thanks a lot.
Damayanti Upandhye
I didn’t really know that filing and getting my claim processed could be literally this easy. I took care of myself while the Star Health team took care of the cashless bill settlement at the hospital.
Abhi Patvardhan
Speedy & efficient means thru which my mediclaim was reimbursed to me. There is a huge improvement in services rendered by your organisation over the years. Thank you once again.
Sanjay Tandon
I received help from Star during my surgery and recovery. And my faith in the company has increased a lot. Thanks a lot.
Damayanti Upandhye
I didn’t really know that filing and getting my claim processed could be literally this easy. I took care of myself while the Star Health team took care of the cashless bill settlement at the hospital.
Abhi Patvardhan