Star Health Insurance | Health Insurance | Star Helath Personal Accident, Travel Health Insurance

Posted by Starhealth on Sun, Nov 13, 2011  
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 Advantages of Star Health Insurance

  • Over 10 Corer People Covered Across the Country.
  • Hospitalization expenses incurred as a result of illness/disease/sickness/accidental injuries.
  • Covers hospitalization expenses like Room Rent, Medicines, Scan, X-Ray, Operation Theater charges, Surgeon, Consultant and Anesthetist fees.
  • Direct Settlement of Claims - NO TPA
  • Covers pre and post-hospitalization.
  • Wide Net work of more than 5100 ++ hospital across India
  • Life Time Renewal for Senior Citizen plans.
  • Wide choice of plan option
  • Exclusive policy covering Pre-Existing Disease.

Mediclassic - Individual Health Insurance 

  • Covers hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries.
  • Covers pre and post-hospitalization expenses
  • Non – Allopathic up to Rs.25,000 per year.
  • 12 day care procedure covered.
  • No claim discount ranging from 5% to 25% for every claim-free year
  • Maximum cover of Rs.10,00,000 per individual

Family Health Optima  - Family Health Insurance

  • A Super Saver Policy,
  • Single Sum Insured,
  • Coverage for entire family in Single Premium
  • Considerable saving in premium as the family is covered under one policy.
  • Covers Pre and Post hospitalization and 12 Day care Procedure
  • Sum insured is floated amongst the family members
  • Maximum cover of Rs.10,00,000 per family

Senior Citizen Red Carpet - Senior Citizen Health Insurance

  • This is India's first health insurance policy aimed specifically at senior citizens
  • It provides cover for anyone over the age of 60 and permits entry right up to the age of 69
  • No pre-insurance medical test required.
  • Guaranteed renewals beyond 69 years,
  • Pre-existing diseases covered.
  • Only cashless at network hospitals
  • Maximum cover of Rs. 5,00,000 per individual

 Star Criticare Health Insurance

  • This policy offers cover to the Insured Person under two sections. Both regular hospitalization benefits and Major Disease’s benefits are available under one policy. [100% Lump Sum Payment for major identified Critical illness  - First Diagnosis of Cancer, Chronic Kidney Disease, Brain Tumour, Irreversible Coma, Undergoing first time - Major Organ Transplant, Occurrence for the first time of the Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in LVEF of  < 25%,, irreversible Paraplegia, irreversible Quadriplegia].

Diabetes Safe   

  • An Exclusive policy that helps those affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications.
  • Eyes: Diabetic Retinopathy requiring laser treatment.
  • Kidneys: Diabetic Nephropathy leading to chronic renal failure.
  • Feet: Diabetic foot ulcer requiring micro-vascular surgical correction.

Super Surplus Health Insurance

  • Wide coverage option of Rs. 7 lakh and Rs. 10 lakh,
  • Covers hospitalization expenses in excess of Rs. 300,000 per hospitalization.
  • Policy Individual and Family.

Star Health Gain Insurance

  • A policy which provides for both inpatient and outpatient benefits.
  • Standard Premium – Rs. 14,725/- for all age group and family size.
  • Renewable up to 60 yrs of age
  • OP benefits only as reimbursement
  • Accumulated OP bills can be claimed within the policy year.
  • Flexibility to increase SI as age increases for the same premium.

Unique Health Insurance

  • A two year policy
  • Pre-Existing Diseases will be covered after 11 months of continuous coverage have elapsed.
  • Covers both pre existing ailment and future diseases
  • No pre medical checkup.
  • Policy is offered with 30/% Co-pay for All Claim.

 Pregnancy Health Insurance

  • Pasic Floater Plan with Addition Cover.
  • Expenses of delivery – Normal or Caesarean
  • Newborn baby cover,
  • Post delivery complication cover for mother after the delivery.
  • Cost of test incurred for detecting any disorders in the Fetus up to Rs. 1,000/-
  • Non Allopathic Treatments: Up to Rs. 25,000/- per policy period.
  • Age 18 years to 40 years entry and family size of 2A and 2A + 1C.

Star Travel Health Insurance

  • Individual Travel Protect - 5 days to 180 Days Cover
  • Family Travel Protect – 2A and 2C  for 15, 30, 45 and 60 days
  • Corporate Travel Protect – worldwide option
  • Student Travel Protect.

Personal Accident

  • A protection to the family in the unfortunate event of accidental death or disablement.
  • World wide cover.
  • Coverage for entire family in one accident Policy

What cannot be claimed?

  • Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
  • First Two Years Exclusions:
    • Cataract,
    • Hysterectomy for Menorrhagia or Fibromyoma,
    • Replacement surgery for knee and/or joint (other than caused by an accident),
    • Prolapse of intervertebral disc (other than caused by accident),
    • varicose veins and varicose ulcers
    • First Year Exclusions:
      • Benign Prostate Hypertrophy,
      • Hernia,
      • Hydrocele,
      • Fistula in anus,
      • Piles,
      •  Sinusitis and related disorders, congenital internal disease/defects,
      • removal of gallstones and renal stone
      • Naturopathy treatment
      • Expenses which are purely diagnostic in nature with no positive existence of any disease
      • Expenses incurred for non-allopathic treatment
      • Treatment of external Congenital disease/defects/anomalies
      • Expenses which are mainly cosmetic in nature.


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