Comprehensive Guide to Star Health Insurance ₹2 Lakh Plan
Health issues are rising unexpectedly in day-to-day life, and medical expenses have drastically risen, putting huge stress on everyone. In the current situation, even if you visit the hospital for a minor issue, you will have to break your savings to pay the bill, but by having a health insurance plan, you can protect yourself and your loved ones against the high medical cost.
Star Health Insurance is one of the prominent options if you wish to buy a medical policy, as it offers several benefits to the insured through a variety of plans to cater to different needs. One of the most popular choices among the policies offered by Star Health is the ₹2 lakh health insurance plan. Check out why this plan is so popular among the people.
Benefits of ₹2 Lakh Health Insurance
Sum Insured
The 2 lakh health insurance plan offered by Star Health Insurance is an individual health insurance plan that provides a sum insured of ₹2 lakh. This will be the maximum claim amount for any health expenses incurred during the policy period, and like any other health insurance policy at Star Health, it also covers hospitalization costs, surgeries, treatments, and other general medical costs.
Cashless Hospitalization
One of the attractive benefits of Star Health's 2 lakh medical insurance is that you can avail of cashless treatment at network hospitals, with the company settling the bill. To the surprise, Star health Insurance has over 14,000 network hospitals across India, making it one of India's largest medical coverage providers. This means you don't have to worry about arranging funds upfront, as the company itself settles the bills directly with the hospital.
Day Care Treatments
There were days when a patient had to stay for a long period of the day in the hospital for treatment and recovery purposes, but due to the development of medical science and technology, the days were reduced to hours. The 2 lakh health insurance plan ensures that even short-term daycare treatments and procedures are also covered to reduce the financial burden.
No Medical Screening
The pre-policy medical screening is not required for any person with the 2 lakh health insurance with less than 50 years of age and this will help people to easily get access to the policy.
Alternative Treatment Coverage
Though only 5% to 7% of people rely on other types of treatments such as Ayurveda, Unani and Homeopathy, the 2 lakh health insurance policy makes sure it is all covered.
Additional Benefits of 2 lakh health insurance
Tax Benefits
The amount of premiums in the health insurance plans are eligible for tax deductions according to the Income Tax Act under Section 80D. This is an additional reason to buy 2 lakh medical insurance.
Free Health Check-Up
As everyone knows early detection of diseases creates a higher rate of cure, the policyholder with the 2 lakh health insurance gets access to free health check-ups after a specified period.
No-Claim Bonus
If the 2 lakh insurance is not claimed during the policy period, then it is eligible for a no-claim bonus. When the insurance is eligible for a no-claim bonus, the insured sum in the subsequent year increases without any additional premium.
Coverage Details
Hospitalization Expenses
The hospitalization expenses are not just the treatment cost or the pharmacy bill, It is way beyond that. The room rent, boarding expenses, nursing, ICU charges, and doctor's fees all fall under the hospitalization expenses, and this insurance policy covers all of these expenses for both general and intensive care units to ensure comprehensive inpatient care.
Ambulance Charges
In case of emergency, the first help we reach out is to the ambulance service to transport the patient to the hospital and these ambulance changes are also covered under the 2 lakh health insurance plan to ensure that the insured patient is transported to the healthcare quickly and safely without worrying about the cost.
Renewable
The 2 lakh health insurance plan ensures to offer continuous coverage against the medical costs by making it annually renewable.
Eligibility Criteria for a 2 lakh Health Insurance Policy
If the person's age is between 18 to 65 and the medical history is on a good note, the person is eligible for the 2 lakh health insurance. Also, the insurance provider will review the person's medical record based on the eligibility criteria before approval.
Why Choose Star Health Insurance ₹2 Lakh Plan?
Affordability
The 2 lakh health insurance policy of Star Health provides substantial coverage with affordable premiums, making it the best choice for an individual who wants cost-effective health insurance.
Wide Network of Hospitals
As Star Health Insurance is networked with over 14,000 hospitals, anyone insured here gets top-quality healthcare facilities all over India. The wide network also helps to offer a very convenient claim of cashless treatments, no matter where you are.
Customer Support
The policyholders in Star Health get 24/7 customer assistance regarding the claims, renewals, and any other queries and their issues and doubts are sorted with a minimum time.
Quick and Hassle-Free Claims
More than 90% of insured people in Star Health got their claims within 2 hours to 3 hours and this is vital proof that the company has a hassle-free claims process, ensuring that your claims are settled quickly and efficiently.
Conclusion
One proactive step that you can take for the goodness of you and your family is to invest in a suitable health insurance plan. The ₹2 lakh health insurance plan from Star Health Insurance will be your best choice as it offers you a comprehensive coverage with numerous benefits, and affordable premiums. Also this insurance plan ensures your and your loved ones medical protection without breaking the lifetime savings.
Maintaining a dependable health insurance policy guarantees that you are ready for any medical crises, as health problems might occur without warning. When you have Star Health Insurance, you can relax and be sure that your health is being taken care of.
