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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 Medi Classic

Life and uncertainties are like best friends. Of all the uncertainties, yours and your family’s health is perhaps one of the major ones. Especially, in today’s market where the medical expenses are skyrocketing, just one health condition and its treatments are enough to wipe out your savings. Isn’t it? Therefore, it’s wise to get complete health insurance coverage.

Star Health Medi Classic is that health insurance policy, which is designed to cover you against the expenses caused due to hospitalization on account of disease/illness/sickness. Car accident or personal accident injuries are also included in the same.

Policy benefits

Hospitalization cover:

  • The hospitalization cover includes in-patient care expenses if the duration of hospitalization is 24 hours or more. This cover comprises – room rent and boarding fees at the rate of 2 percent of total sum insured. It is subject to an upper limit of Rs. 4000/day.
  • All the charges, such as, nursing fees, doctor’s, medical professional’s, anesthetist’s fee and the cost of all the medicines are covered under this clause.
  • Ambulance charges are also covered in case of emergency transportation of the insured patient. It can range up to an amount of Rs. 750/hospitalization. The maximum limit to this is Rs. 1500/policy duration.

Pre-existing conditions cover:

  • The policy also covers any pre-existing health condition of the insured. However, this clause gets triggered only after 48 months of consecutive policy renewal.

Pre and Post hospitalization cover:

  • The medical bills incurred by the insured before (up to 30 days) hospitalization are covered.
  • The expenditures incurred after getting release from the hospital are also covered. The amount is calculated at the rate of 7 percent of the expenses (hospitalization). It is subject to a maximum amount of Rs. 5000. This is exclusive of the room rent.

Non-allopathic procedures and treatments

  • Unlike most of the other health insurance policies, Star Health Medi Classic also covers the treatments that are non-allopathic.
  • It offers up to 25 percent of the amount of sum insured subject to an amount of utmost Rs. 25,000/-.

Medical check-ups

  • The charges for pre-acceptance health screening at designated medical facilities are also covered.
  • It is for those individuals who are 50 years of age or more.

Discounts

  • The policyholder is eligible to get no-claim benefit of 5 percent for every year a claim is not filed. This discount can go up to 25 percent to the maximum.
  • If the policy is bought online, then the policyholder is entitled to get an additional 5 percent discount on policy premium.

Optional benefits

  • Hospital cash: As per this clause, a cash reimbursement is offered to the insured for each and every day of complete hospitalization. The amount of cash given is Rs. 500.
  • Patient care – This additional benefit covers the attendant fee incurred by the policyholder after getting discharge from the hospital. However, it depends on the medical practitioner’s consent, if an attendant is actually required or not.
  • Newborn cover – According to this rider, reimbursement for the expenses done on a newborn (up to 5 months since birth) is provided. After completion of 5 years the baby would be regarded as a regular family member and insured accordingly. Immunization and post-natal expenses are not included. This clause is applicable only if family floater plan is taken.

Benefit

Premium (Rs)

Hospital Cash

200 – 350 per person

Patient Care

300 per person

Newborn Cover

10% of policy premium

Note: Optional benefits can only be availed on payment of extra premium.

Eligibility

  • The policy can be purchased by any individual between the age group of 5 months to 65 years.
  • Children can be included only if parents are insured.
  • HIV positive individuals can also opt for this policy, provided their CD4 (cluster of differentiation 4) count is more than 350 at the time of buying the policy. Production of proof is needed.

Minimum

Maximum

Sum Insured

Rs. 50,000

Rs. 10,00,000

Policy Duration

1 Year

1 Year

Entry Age

5 Months

80 Years

Renewable till Age

80 years

Policy premiums

– Pictures speak more than words. Take a look –

1

Family package – This plan is for family members within the age group of 5 months to 45 years. The amount of sum insured is equally floats between the family members covered by the policy.

2

For groups – This type of policy package is generally purchased by corporate houses to insure their employees.
3

Policy exclusions – The clauses under this pointer are almost same for most of the Star Health insurance policies.

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

* The premiums are exclusive of service tax.