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Individual

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male

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 Family Delite Insurance

When buying a health insurance policy for family, most of the people search for a policy that offers optimum benefits at optimal price. Star Health brings to you Family Delite Insurance that covers your entire family under one policy.

Highlights of the policy

  • This policy insures you, your spouse and children.
  • It is a family floater policy.
  • It covers the expenses incurred before, during and after hospitalization.
  • It also covers certain diseases specified in the policy.

Learn more about the benefits it offers

Hospitalization Cover

  • It provides hospitalization coverage (including nursing, boarding and room charges) to the beneficiary (in-patient) at the rate of 1% of the amount covered by the policy.
  • ICU charges for up to 1.5% of the amount covered are also offered.
  • This coverage also includes fees of medical assistance – Surgeon, Consultant, Medical practitioner and Anesthetist.
  • Expenses incurred for oxygen, blood, pacemaker, artificial limbs and diagnostic expenses as well as medicines are also payable (by the company) under this policy.
  • In case of emergency transportation of the beneficiary to the hospital, ambulance charges up to a maximum of Rs. 1500/policy period is also covered. For per hospitalization it’s around Rs. 750/-.

Pre -hospitalization cover

  • Pre-hospitalization medical expenses are also paid by the insurance provider under Family Delite Insurance.
  • It is offered for a period of up to 30 days before hospitalization.

Post-hospitalization cover

  • The policyholder is entitled to get reimbursed for post-hospitalization benefits as well.
  • The lump sum is calculated at the rate of 7% of the expenses (during hospitalization).
  • It does not include room rent.
  • One can avail Rs. 5000/- (max.).
  • This cover is valid only for the period of 60 days from the release date.

Pre-existing illness

  • If you have suffered from or are suffering from a disease before purchasing this policy (pre-existing illness), then you might be eligible for pre-existing illness cover.
  • This clause would be triggered after 48 months of consecutive insurance, with any Indian insurance provider.

Check if you are eligible or not

  • If your age is more than 5 months and less than 65 years, then you can purchase the Star Health Family Delite Insurance plan.
  • After 65 years, only policy renewals can be made.
  • The policy covers dependent children as well, provided their parents are also covered by the same policy.

Conditions not covered by the policy

  • Pre-existing health conditions are not covered until the waiting period of 48 months.
  • Non-allopathic treatments are also excluded.
  • EECP (Enhanced External Counter Pulsation) therapy, RFQMR (Rotational Field Quantum Magnetic Resonance) therapy as well as other related treatments and procedures are excluded.

Policy renewal terms

  • One can easily go for the renewals.
  • Renewals are refused only on the account of moral hazard, misrepresentation or deception.
  • Wherein the ratio of claim for the earlier 2 consecutive years goes beyond 100%, the premium loading would be applicable, as per the chart given below:

Claim ratio of previous 2 consecutive years (Avg.)

Premium Loading

More than 100 to 125%

30%

Between 126 to 150%

50%

More than 150 %

80%

  • A 15 days grace period from the expiry date of the policy is offered to the insured. If the same is done within this period, continuity of features will be permitted.

Star Advantages for you

  • No involvement of TPA (Third Party Administrator)
  • In-house settlement of claim
  • Cashless admissions
  • A network of over 6000 hospital all over India
  • e-documentation

Premium Details

For Sum Insured Rs. 200000/-

For Sum Insured Rs. 300000/-

Here comes the benefit table:

Disease or Health Condition

Sum Insured (Rs.)

200000/-

300000

All heart ailments/diseases

For CABG (Coronary Artery By-Pass Grafting) Surgery

110000/-

125000/-

All heart ailments/diseases

For PTCA (All charges included, regardless of the number of strents used + cost of angiogram)

70000/-

80000/-

Minor surgeries necessitating hospitalization

12000/-

15000/-

Hospitalization for medical conditions related to CNS (Central Nervous System) and Cardio-vascular System

35000/-

45000/-

Major surgeries (apart from what is offered)

35000/-

45000/-

Oncology

70000/-

100000/-

Accidental serious injuries

70000/-

100000/-

Joint replacement surgery

70000/-

100000/-

Renal Transplant Surgery

70000/-

100000/-

Dialysis/sitting (Cost restricted to Rs 1000/-)

15000/-

20000/-

Cataract

15000/-

20000/-

Treatment for communicable diseases

Up to Rs. 3000/day.

Max. Rs. 9000/ hospitalization

Up to Rs. 4500/day.

Max. Rs. 12000/hospitalization