Wellness Program
Take part in our wellness programs and earn rewards for staying healthy. Redeem those rewards to avail renewal discounts.
Star Health Premier Insurance Policy
Health premier policy refers to a comprehensive health insurance plan that offer coverage to a wide range of medical expenses, like hospitalization, pre- and post-hospitalization costs, and in some cases, it includes benefits such as annual health check-ups and second opinion access. In gener
IRDAI UIN: SHAHLIP22226V012122
HIGHLIGHTS
Plan Essentials
Unique Cover
Specially designed policy to cover people who are 50 years and above with no maximum entry age limit.
Long-Term Discount
A discount on premium is available if the policy term opted is more than one year.
Outpatient Medical Expenses
Outpatient medical expenses are covered from day one up to the specified limits.
Automatic Restoration of Sum Insured
On partial or full utilisation of the limit of coverage during the policy period, 100% of the Sum Insured will be restored once during the policy period that can be utilised for all claims for subsequent hospitalisation.
Health Check-Up Discount
10% premium discount will be given if the listed health check-ups are taken 45 days prior to the date of proposal and submitted the documents at the time of inception of this policy.
Mid-Term Inclusion
The newly married/wedded spouse, can be included in the policy by paying an additional premium. The waiting periods will be applicable from the date of inclusion of such newly married/wedded spouse.
Policy Type
This policy can be availed either on an Individual or Floater basis (Maximum Family Size 2A + 3C). Under Floater basis, a maximum of up to three dependent children aged between 91 days and 25 years are covered.
Cataract Treatment
Expenses incurred for Cataract treatment are covered up to the limits as mentioned in the Policy Clause.
Detailed List
Understand what’s included
IMPORTANT HIGHLIGHTS
Sum Insured
The Sum Insured options under this policy are Rs.10,00,000/-, Rs.20,00,000/-, Rs.30,00,000/-, Rs.50,00,000/-, Rs75,00,000/- and Rs.1,00,00,000/-. However, the Sum Insured of Rs.75,00,000/- and Rs.1,00,00,000/- can be availed by people aged up to 65 years only. This is applicable only at the time of inception of this policy.
Policy Term
This policy can be availed for a term of one, two or three years.
Pre-Acceptance Medical Screening
Pre-acceptance medical screening is not required to avail this policy irrespective of the age and Sum Insured opted.
In-Patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
Pre-Hospitalisation
In addition to in-patient hospitalisation, the medical expenses incurred up to 60 days before the date of admission to the hospital are also covered.
Post-Hospitalisation
Post-hospitalisation medical expenses incurred up to 90 days from the date of discharge from the hospital are covered.
Room Rent
Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 1% of the Sum Insured or to the maximum of Rs. 20,000 per day.
Home Care Treatment
Expenses incurred on home care treatment for specified conditions are covered up to 10% of the Sum Insured subject to maximum of Rs. 5 Lakh in a policy year. The insured person can avail this service either on a cashless or reimbursement basis.
Coverage for Non-medical Items
If there is an admissible claim under the policy, then non-medical items specified in this policy will become payable.
Road Ambulance
This policy covers ambulance charges for admission in hospital, for shifting from one hospitals to another for better medical treatment and from hospital to residence.
Air Ambulance
Air ambulance expenses are covered up to Rs. 2.5 lakh per hospitalisation to the maximum of up to Rs. 5 lakh per policy period.
Domiciliary Hospitalisation
Expenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days are covered.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Organ Donor Expenses
In-patient hospitalization expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable. In addition, the expenses incurred by the Donor, (if any) for the complications that necessitate a Redo Surgery / ICU admission will be covered.
Hospice Care
Payable up to 10% of the sum insured subject to a maximum of Rs.5 lakhs, if availed at our Networked facility. This cover is available after a waiting period of 24 months from the inception of the policy.
Rehabilitation & Pain Management
Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured whichever is less, per policy period.
AYUSH Treatment
In-patient hospitalisation expenses incurred for the treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in AYUSH hospitals are covered up to the Sum Insured.
Bariatric Surgery
Expenses incurred on hospitalisation for Bariatric surgical procedures are covered up to the limits mentioned in the policy clause.
Modern Treatment
Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to 50% of the Sum Insured specified in the policy schedule.
Cumulative Bonus
Cumulative bonus is provided at 20% of the Sum Insured for each claim-free year subject to a maximum of 100% of the Sum Insured.
Co-payment
Applicable for Insured persons whose age at the time of entry is above 65 years. Each and every claim under the Policy shall be subject to a Co-payment of 20% applicable to claim amount admissible and payable as per the terms and conditions of the Policy.
Health Check-Up
Health check-up expenses are covered up to the specified limits for every claim-free year.
Instalment Options
The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis. This facility is not available for long-term (2 & 3 year term) options.
Star Wellness Program
Wellness program designed to motivate and encourage the healthy lifestyle of the insured person through various wellness activities. In addition, the earned wellness bonus points can be utilised for availing renewal discounts up to a maximum of 10%.
Family Discount
When two adults are covered under the policy on a Floater basis Sum Insured, then a 40% discount on the premium is available as a floater discount for the younger member.
Young Age Discount
For adults aged 50 years and above, if the spouse is aged less than 50 years, then a family floater cover can be offered considering the premium of age 50 years discounted by 10% for the spouse.
Star Wellness Program
This program intends to promote, incentivize and to reward the Insured Persons' healthy life style through various wellness activities. The wellness activities as mentioned below are designed to help the Insured person to earn wellness reward points which will be tracked and monitored by the Company. The wellness points earned by the Insured Person(s) under the wellness program, can be utilized to get discount in premium.
This Wellness Program is enabled and administered online through Star Wellness Platform through Star Health Customer Mobile app ‘Star Power’ and through ‘Star Health Customer Portal’. (digital platform).
Note: The Wellness Activities mentioned in the table below (from Serial Number 1 to 5) are applicable for the Insured person(s) aged 18 years and above only.
The following table shows the discount on premium available under the Wellness Program:
| Wellness Points Earned | Discount in Premium |
|---|---|
| 200 to 350 | 2% |
| 351 to 600 | 5% |
| 601 to 750 | 7% |
| 751 to 1000 | 10% |
*In case of floater policy the weightage is given as per the following table;
| Family Size | Weightage |
|---|---|
| Self, Spouse | 1:1 |
| Self, Spouse and Dependent Children (up to 18 years) | 1:1:0:0:0 |
| Self, Spouse and Dependent Children (aged above 18 years) | 2:2:1:1:1 |
Note: In case of two year policy, total number of wellness points earned in two year period will be divided by two.
*Please refer the Illustrations to understand the calculation of discount in premium, weightage and the calculation.
The wellness services and activities are categorized as below:
| Sr.No | Activity | Maximum number of Wellness Points that can be earned under each activity in a policy year |
|---|---|---|
| 1. | Manage and Track Health | |
| a) Online Health Risk Assessment (HRA) | 50 | |
| b) Preventive Risk Assessment | 200 | |
| 2. | Affinity to Wellness | |
| a) Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 | |
| b) Membership in a health club (for 1 year or more) | 100 | |
| 3. | Stay Active – If the Insured member achieves the step count target on mobile app | 200 |
| 4. | a) Weight Management Program (for the Insured who is Overweight / Obese) | 100 |
| b) Sharing Insured Fitness Success Story through adoption of Star Wellness Program (for the Insured who is not Overweight / Obese) | 50 | |
| 5. | a) Chronic Condition Management Program (for the Insured who is suffering from Chronic Condition/s - Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 250 |
| b) On Completion of De-Stress & Mind Body Healing Program (for the Insured who is not suffering from Chronic Condition/s - Diabetes, Hypertension, Cardiovascular Disease or Asthma) | 125 | |
| Additional Wellness Services | ||
| 6 | Star Tele-health services: | |
| 7 | Medical Concierge Services | |
| 8 | Digital Health Vault | |
| 9 | Wellness Content | |
| 10 | Post-Operative Care | |
| 11 | Discounts from Network Providers |
1. Manage and Track Health:
a) Completion of Health Risk Assessment (HRA):
The Health Risk Assessment (HRA) questionnaire is an online tool for evaluation of health and quality of life of the Insured. It helps the Insured to introspect his/ her personal lifestyle. The Insured can log into his/her account on the website www.starhealth.in and complete the HRA questionnaire. The Insured can undertake this once per policy year.
On Completion of online HRA questionnaire, the Insured earns 50 wellness points.
Note: To get the wellness points mentioned under HRA, the Insured has to complete the entire HRA within one month from the time he/she started HRA Activity.
b) Preventive Risk Assessment:
The Insured can also earn wellness points by undergoing diagnostic / preventive tests during the policy year. These tests should include the four mandatory tests mentioned below. Insured can take these tests at any diagnostic centre at Insured’s own expenses.
- If all the results of the submitted test reports are within the normal range, Insured earns 200 wellness points.
- If the result of any one test is not within the normal range as specified in the lab report, Insured earns 150 wellness points.
- If two or more test results are not within the normal range, Insured earns 100 wellness points only.
Note: These tests reports should be submitted together and within 30 days from the date of undergoing such Health Check-Up.
| List of mandatory tests under Preventive Risk Assessment |
|---|
| 1.Complete Haemogram Test |
| 2.Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c) |
| 3.Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL Cholesterol Ratio) |
| 4.Serum Creatinine |
2. Affinity towards wellness:
Insured earns wellness points for undertaking any of the fitness and health related activities as given below.List of Fitness Initiatives and Wellness points:
| Initiative | Wellness Points | |
|---|---|---|
| a. | Participating in Walkathon, Marathon, Cyclothon and similar activities | 100 |
| On submission of BIB Number along with the details of the entry ticket taken to participate in the event. | ||
| b. | Membership in a health club (for 1 year or more) - In a Gym / Yoga Centre / Zumba Classes / Aerobic Exercise/ Sports Club/ Pilates Classes/ Swimming / Tai Chi/ Martial Arts / Gymnastics/ Dance Classes | 100 |
| Note: In case if Insured is not a member of any health club, he/she should join into club within 3 months from the date of the policy risk commencement date. Insured person should submit the health club membership. | ||
3. Stay Active:
Insured earns wellness points on achieving the step count target on star mobile application as mentioned below:
| Average number of steps per day in a policy year | Wellness Points | |
|---|---|---|
| 100 | |
| 150 | |
| 200 | |
Note:
| ||
4. Weight Management Program:
a)This Program will help the Insured persons with Over Weight and Obesity to manage their Body Mass Index (BMI) through the empanelled wellness experts who will guide the Insured in losing excess weight and maintain their BMI.
- On acceptance of the Weight Management Program, Insured earns 50 wellness points.
- An additional 50 wellness points will be awarded in case if the results are achieved and maintained as mentioned below.
| Sr.No. | Name of the Ailment | Values to be submitted | Criteria to get the Wellness points |
|---|---|---|---|
| 1. | Obesity (If BMI is above 29) | Height & Weight (to calculate BMI) | Achieving and maintaining the BMI between 18 and 29 |
| 2. | Overweight (If BMI is between 25 and 29) | Height & Weight (to calculate BMI) | Reducing BMI by two points and maintaining the same BMI in the policy year |
| Values (for BMI) shall be submitted for every 2 months (up to 5 times in each policy year) | |||
b) Incase if the Insured is not Overweight / Obese, the Insured can submit his/her Fitness Success Story through adoption of Star Wellness Activities with us. On submission of the Fitness Success Story through adoption of Star Wellness Activities, Insured earns 50 wellness points.
5. Chronic Condition Management Program:
a)This Program will help the Insured suffering from Diabetes, Hypertension, Cardiovascular Disease or Asthma to track their health through the empanelled wellness experts who will guide the insured in maintaining/ improving the health condition.
- On acceptance of the Chronic Condition Management Program, Insured earns 100 wellness points.
- The Insured has to submit the test result values for every 3 months maximum up to 3 times in a policy year.
- If the test result values are within +/- 10% range of the values given below, for at least 2 times in a policy year, an additional 150 wellness points will be awarded.
- These tests reports to be submitted within 1 month from the date of undergoing the Health Check-Up
| Sr.No. | Name of the Ailment | Test to be submitted | Values Criteria to get the additional Wellness points |
|---|---|---|---|
| 1. | Diabetes(Insured can submit either HbA1c test value (or) Fasting Blood Sugar (FBS) Range and Postprandial test value) | HbA1c | ≤ 6.5 |
| Fasting Blood Sugar (FBS) Range | 100 to 125 mg/dl | ||
| Postprandial test value | below 160 mg/dl | ||
| 2. | Hypertension | Measured with - BP apparatus | Systolic Range - 110 to 140 mmHg Diastolic Range - 70 to 90 mmHg |
| 3. | Cardiovascular Disease | LDL Cholesterol | 100 to 159 mg/dl |
| Total Cholesterol / HDL Cholesterol Ratio | ≤ 4.0 | ||
| 4. | Asthma | PFT (Pulmonary Function Test) | FEV1 (PFC) is 75% or more FEV1/ FVC is 70% or more |
b)In case if the Insured is not suffering from Chronic Condition/s (Diabetes, Hypertension, Cardiovascular Disease or Asthma) he/she can opt for “De-Stress & Mind Body Healing Program”. This program helps the Insured to reduce stress caused due to internal (self-generated) & external factors and increases the ability to handle stress.
- On acceptance of De-stress & Mind Body Healing Program Insured earns 50 wellness points.
- On completion of De-stress & Mind Body Healing Program Insured earns an additional 75 wellness points.
Note: This is a 10 weeks program which insured needs to complete without any break.
6. Star Tele-health Services:
Insured can consult with the In-house Medical Practitioners between 8.00 am and 10.00 pm, who can help the Insured by providing Medical advice, Second Medical Opinion and consultation on Diet & Nutrition through Voice Call, Video Call & Online Chat provided in our Mobile App.
7. Medical Concierge Services:
The Insured can also contact Star Health to avail the following services:- Emergency assistance information such as nearest ambulance / hospital / blood bank etc.
8. Digital Health Vault:
A secured Personal Health records system for Insured to store/access and share health data with trusted recipients. Using this portal, Insured can store their health documents (prescriptions, lab reports, discharge summaries etc.), track health data add family members.
9. Wellness Content:
The wellness portal provides rich collection of health articles, blogs, tips and other health and wellness content. The contents have been written by experts drawn from various fields. Insured will benefit from having one single and reliable source for learning about various health aspects and incorporating positive health changes.
10. Post Operative Care:
It is done through follow up phone calls (primarily for surgical cases) for resolving their medical queries.
11. Discounts from Network Providers:
The Insured can avail discounts on the services offered by our network providers which will be displayed in our website.
Terms and conditions under wellness activity
- Any information provided by the Insured in this regard shall be kept confidential.
- There will not be any cash redemption against the wellness reward points.
- Insured should notify and submit relevant documents, reports, receipts etc for various wellness activities within 1 month of undertaking such activity/test.
- For services that are provided through empanelled service provider, Star Health is only acting as a facilitator; hence would not be liable for any incremental costs or the services.
- All medical services are being provided by empanelled health care service provider. We ensure full due diligence before empanelment. However Insured should consult his/her doctor before availing/taking the medical advices/services. The decision to utilize these advices/services is solely at Insured person’s discretion.
- We reserve the right to remove the wellness reward points if found to be achieved in unfair manner.
- Star Health, its group entities, or affiliates, their respective directors, officers, employees, agents, vendors, are not responsible or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Member claims to have suffered, sustained or incurred, by way of and / or on account of the Wellness Program.
- Services offered are subject to guidelines issued by IRDAI from time to time.
ILLUSTRATION OF BENEFITS:
Lets look how the Insured can avail discount on premium through the “Star Wellness Program”
Scenario – 1 A 50 year old Individual Suresh and his wife Lakshmi along with their two dependent children (aged below 18 yrs) buy a Star Health Premier Insurance Policy with Sum Insured 20 Lacs, let’s understand how they can earn Wellness Points under the Floater Policy. Suresh has declared that he is suffering from Diabetes & Hypertension. Suresh has declared his Body Mass Index (BMI) as 30 & Lakshmi has declared her BMI as 25 Suresh and Lakshmi enrolled under the Star wellness program and completed the following wellness activities. | |||
|---|---|---|---|
| Sr. No | Name of the wellness activity taken up during the policy year | Wellness Points Earned by Suresh | Wellness Points Earned by Lakshmi |
| 1. | Completed Online Health Risk Assessment (HRA) | 50 | 50 |
| 2. | Submitted Health Check-Up Report | 200 | 200 |
| 3. | Participation in Marathon | 100 | 0 |
| 4. | Attended to Gym | 100 | 100 |
| 5. | Achieved 10,000 average number of steps per day during the policy year | 200 | 200 |
| 6. | Suresh accepted the Weight management program and reached 27 BMI | 100 | 100 |
| 7. | Suresh Managed Diabetes & Hypertension through Chronic Condition Management Program | 250 | 125 |
| Total Number of Wellness Points earned | 1000 | 775 | |
| No of wellness points based upon weightage - 1:1 | 500 (1000X1/2) | 388 (775X1/2) | |
| Total Number of Wellness Points earned by Suresh and Lakshmi = 888 (500+388) Based on the no of Wellness Points earned, Suresh & Lakshmi are eligible to get 10% discount on renewal premium | |||
Waiting Period
1. For Pre-Existing Diseases - 36 months
2. For Specific Diseases/Procedures (Gold Plan) - 24 months
3. Initial Waiting Period - 30 days (Except for Accidents)
Discount in Premium for Submitting Health Checkup Reports:
If the following medical records of the person proposed for insurance are submitted, Company may offer a discount of 10% on the applicable premium, subject to the findings in the submitted reports.
1. Stress ECHO Report /TMT (done under guidance)
2. BP Report (3 readings)
3. Fasting Blood Sugar (FBS) and HbA1C
4. Blood urea & creatinine
5. Complete Urine Examination (CUE)
The tests should have been taken within 45 days prior to the date of proposal. If the prospect submits these documents at the time of inception of this policy, this discount will be given for all subsequent renewals also, if the policy is renewed continuously without break.
Free Look Period
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.
i. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period
Note: Renewal premium, terms and conditions are subject to change as per the extant Guidelines.
Coverage for Non-Medical Items
Coverage for Non-medical Items (Consumables) are payable.
Modern Treatments
Coverage for Modern Treatment.
Premium Illustration
Benefit/Premium illustration for Individual and Floater basis.
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
90% of our claims are settled under cashless within 2 hours and 92% 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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Star Health Premier Insurance Policy
Health insurance for individuals over 50 years is paramount, given the increasing health risks and medical needs associated with ageing. Star Health Premier Insurance Policy has been devised as the result of our meticulous research to provide the much needed protection to the individuals who are aged 50 years and above along with their dependent children, offering an extensive suite of key benefits to address their particular health concerns without any pre-medical screenings.
Expenses incurred towards pre & post hospitalization expenses and treatment for all day care procedures including cataract can be covered under this policy.
Organ donor expenses and coverage for alternative treatments such as Ayurveda, Unani, Siddha and Homeopathy can be covered up to the chosen Sum Insured.
With Star Health Premier, expenses of the listed modern and home care treatments can be covered effortlessly.
This plan gives out-and-out care to the Insured with Rehabilitation & Pain Management cover, Hospice care, Out-patient consultation expenses and health check-up benefits.
Star Health Premier Insurance Policy provides shield for road & air ambulance services, non-medical items, domiciliary hospitalizations as well.
Note: (If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )
Access to Star Wellness Programs focusing on diet and exercise ensures healthy living of the Insured which can be used in availing discounts in the premium during renewals.
Multiple other benefits such as Automatic Restoration of Sum Insured, No Claim Bonus, younger age discounts and discounts on submission of medical reports makes this policy highly beneficial for every individual who wishes to age healthy by staying worry-free from all healthcare eventualities.
What is a Star Health Premier Policy?
Star Health Premier Policy refers to a specific health policy that offers coverage to people aged 50 years and above with no maximum entry age limit. This covers several advantages to the insured persons, like outpatient medical expenses, Sum insured automatic restoration, discounts on health checkups, cataract treatments, etc. Star Health Premier Plan can be purchased either as an individual or family floater plan. Let's discuss star health insurance policy details.
Star Health Premier Policy Eligibility
The entry age for the Policy coverage of dependent children is from 3 months to 25 years.
What are the Benefits of Star Health Premier Policy?
Below are the benefits of buying this Policy.
- More than One Discounts: It provides multiple discounts to the insured persons, such as a 40% floater discount on the premiums that cover 2 adults below the same plan. For individuals of age 50 years and above, if the spouse is of age below 50 years, then a 10% discount could be provided for the spouse.
- Star Rehabilitation: Star Health Premier Insurance plan covers the expenses incurred for the rehabilitation, as per the terms and conditions.
- Organ Donor Costs: Star Health Premier plan offers a coverage for the in-patient hospitalization costs incurred for the organ transplantation from the Donor to the receiver insured person are payable on the condition that claim for transplantation is payable.
- Pain Management: The plan offer coverage for the pain management for a particular sub-limit or till a maximum of 10% of the Sum insured per policy period.
- Tax Advantages: According to the Income Tax Act 1961, a person could get tax benefits for all the premiums paid for the Star Health Insurance policy.
Inclusions of Star Health Premier Policy
Here are some of the inclusions in the Star Health Premier insurance policy :
- All day care procedures costs will be covered, but for the Hospitalization for a minimum period of 24 hours only are admissible.
- Expenses incurred on Cataract treatment are covered subject to the limits of the Policy.
- The coverage for non-medical items (consumables) mentioned in the Policy will become payable.
- Road ambulance expenses incurred are payable as per the terms and conditions.
- The Insured Person is eligible for reimbursement of expenses incurred towards the air ambulance service cost up to Rs.2,50,000/- per Hospitalization and maximum upto Rs.5,00,000/- per policy year is payable.
- The plan covers Pre-hospitalization expenses incurred till 60 days immediately prior to the insured person being hospitalized.
- It covers post-hospitalization expenses incurred till 90 days soon after the insured person is discharged from the hospital.
- The plan covers organ donor expenses incurred for organ transplantation procedure from the Donor to the Recipient Insured Person.
- Bariatric Surgery Expenses incurred are covered in this plan.
- Modern Treatment Coverages are included under this plan.
- Domiciliary Hospitalization Expenses are covered.
- Rehabilitation and Pain Management expenses are covered.
- Hospice care costs cover up to 10% of the Sum insured, subject to a maximum of Rs.5 lakhs.
- Home care treatment expenses are covered as per the terms and conditions of the Policy.
- Health Checkup expenses incurred are covered.
- Expenses incurred for Outpatient treatment up to the limits mentioned in the Star Premier Policy brochure will be covered.
Exclusions of Star Health Premier Policy
Below listed are the exclusions of this policy.
- The expenses related to obesity or weight control surgeries are not covered.
- Sterility and infertility treatment costs are excluded.
- The expenses for the change of gender treatments are excluded.
- The expenses for the treatment held because of substance abuse will not be covered.
- Cosmetic or plastic surgery-related costs will not be covered.
- The expenses incurred for the maternity will not be covered.
- The Expenses incurred for any treatment related to hazardous or adventure sports are not included in the plan.
There are many star health plans through which the policyholders have benefited. You can make a star health policy download online that suits you after going through all our star health insurance plans.
Note: ( If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )
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To make star premium payment online, customers can go to the company's website and use their online payment options such as the net banking, credit cards, or debit cards. Star Health premium payments can be made monthly, quarterly, half-yearly, annually, biennially, or triennially
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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
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
