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Family

Family Policy
 

Most Popular Policies of Star Health Insurance

  • Star Health Criticare Plus Policy
    Star Health Criticare Plus Policy is a critical illness policy that provides hospitalization benefits along with critical illness cover.
    Key features of Star Health Criticare Plus Policy
    • 5% discount for up to 2 members and 10% discount for more than 2 members
    • Coverage available for non-allopathic treatments is available up to 25% of the sum insured
    • No medical screening for candidates below 50 years of age
    • Coverage available for specific day care process and ambulance charge
    Buy now
  • Star Health Family Health Optima Insurance
    Star Health Family Health Optima Insurance plan offers protection to the entire family for a single premium.
    Key features of Star Health Family Health Optima Insurance
    • Coverage for new born baby is available
    • Coverage for organ donor expenses is available
    • Coverage available for expenses due to domiciliary treatment
    • Restore benefit and recharge benefit are available
    Buy now
  • Star Health Senior Citizen Red Carpet Insurance Policy
    Star Health Senior Citizen Red Carpet Insurance Policy is designed for individuals between 60 to 75 years of age to look after their medical needs.
    Key features of Star Health Senior Citizen Red Carpet Insurance Policy
    • Lifelong renewal option
    • in-house claim settlement facility is available
    • Coverage for nursing and ICU expenses is available
    • Customized e -health records available
    Buy now
  • Star Cardiac Care Insurance Policy
    Star Cardiac Care Insurance policy is designed for people with previous history of heart related ailments.
    Key features of Star Cardiac Care Insurance Policy
    • Lifelong renewal option
    • Scope to increase sum insured amount at policy renewal
    • Coverage for Cardiac Medical Management in Gold Plan
    • Coverage available for pre and post hospitalization expenses
    Buy now

Star Health Comprehensive Insurance

With each passing day, the costs of medical needs are getting soaring high. Therefore, it is very important to get your family a proper and complete insurance coverage. Star Health Comprehensive Insurance is designed for this purpose only. It is a family floater insurance plan that covers the medical bills of entire family.

Let’s discuss the benefits

Coverage under Section 1

  • Hospitalization cover – Standard single AC room, nursing and boarding expenses
  • Consultant’s fees, Doctor’s fees, Specialist Medical Practitioner’s fees, Surgeon’s fees
  • Cost of blood and oxygen needed, pacemakers and anesthesia
  • Operation theatre charges
  • Airlifting cover – up to 10 percent of the amount insured/policy period (available with total coverage of Rs. 7.50 Lakhs and more)
  • Emergency ambulance expenses as per the amount mentioned in the policy
  • Medical expenses for the period before hospitalization – 30 days before hospitalization
  • Medical expenses after hospitalization – 60 days after discharge
  • Pre-existing health conditions after the waiting period of 48 months (on consecutive policy renewal)
  • 405 daycare treatments and procedures
  • Second medical consultation

Special features:

  • OPD medical consultation

Medical consultation costs incurred as an out-patient in the empanelled hospitals (except ophthalmic and dental treatments) are covered, according to the specified limits. It is Rs. 300/consultation. Don’t confuse it as a part of the covered amount.

  • Domiciliary hospitalization

If an insured patient needs medical treatment (due to illness, disease or injury) for a period that exceeds 3 days, he or she would normally need proper treatment and care at a hospital. However, due to the following reasons, if the insured can’t be admitted to a medical facility, then the entire treatment procedure is commenced at his or her home (with due consent from a doctor). This is domiciliary hospitalization.

  • If the patient’s health condition(s) does not allow him or her to be taken to a hospital
  • If there is non-availability of space in the medical facility

This benefit is not valid for chronic nephritis, asthma, bronchitis, all kinds of dysenteries, gastro-enteritis, diarrhea, both diabetes insipidus and mellitus, hypertension, influenza, epilepsy, mental disorders, arthritis, tonsillitis, pyrexia, cold and cough, respiratory tract infection (upper), rheumatism and gout.

Pre as well as post hospitalization spends are not included in this cover.

Bariatric surgery:

  • The money spent on hospitalization charges due to a bariatric surgery as well as the complications related to it thereof are covered by the policy.
  • The maximum amount one can receive as per this clause is Rs. 25,000/-.
  • The amount mentioned above is inclusive of both pre and post hospitalization spends.

Accidental death & PTD (Permanent Total Disablement)

  • Deaths due to accident as well as PTD are also covered.
  • This benefit is not meant for dependent kids and insured individuals who are more than 70 years of age at the time of policy renewal.

Coverage under Section 2

Delivery and newborn

  • Money spent as an in-patient for the purpose of delivery
  • Delivery by C-section
  • Treatment expenses of the newborn baby
  • Expenses incurred due to vaccination up to Rs. 1000/-

Coverage under Section 3

Outpatient ophthalmic and dental treatment

  • Money spent on critical treatment of tooth/teeth or eye
  • Covered once in every slot of 3 years of consecutive policy coverage
  • Not included in the sum insured

Coverage under Section 4

Hospital cash allowance

  • Valid for each and every complete day of hospital admission up to 7 days/occurrence and 120 days/policy period
  • Payable for valid claim as per policy terms and conditions

Coverage under Section 5

Medical screening

  • This benefit can be availed for a period of every 3 years in which a claim is not filed.

Learn more about waiting period:

  • No waiting period for accidents. Accidental cases are covered from the very first day.
  • In case of diseases or illness, it’s 30 days.
  • For specified treatments/ailments/sickness, the waiting period is 24 months.
  • Waiting period for delivery, newborn expenses as well as Bariatric surgery is 36 months.

Additional benefits:

  • The policy offers automatic restoration benefits on exhaustion of the sum insured. It can be availed only once in the policy term.
  • 15 days free look benefit is also available.
  • This policy also offers co-payment benefit at the rate of 10% for the claims made by an insured (> than 60 years of age while entering the policy).
  • Tax benefits are also there.
  • A certain amount bonus is awarded for every ‘no-claim’ year. It is applicable for insurance coverage provided under Section 1. Take a look at the chart:

Sum Insured

Bonus Percentage/claim-free year

Maximum

Bonus reduces when a claim is made

Rs. 5,00,000

50%

100%

50%

> Rs. 5,00,000

100%

100%

100%

Eligibility

  • Any person who is between the age group of 3 months to 65 years is eligible
  • There is nothing called exit age

Policy exclusions

Health Conditions and treatments

Coverage

Diagnostic expenses

Not Covered

Cosmetic treatment

Not Covered

Cosmetic surgery

Not Covered

Congenital disease

Not Covered

Obesity treatments

Not Covered

Dental treatment (except accident cases)

Not Covered

HIV/AIDS

Not Covered

Mental disorders

Not Covered

Nuclear weapon induced treatments

Not Covered

Drug abuse

Not Covered

Alcoholism

Not Covered