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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 Unique Insurance

The Star Health Unique Insurance

The Star Health Unique Insurance policy is literally unique. That’s because, it not only covers future ailments or health conditions but also certain pre-existing ones. You might be thinking -what’s so unique about it, right? Well, unlike other policies, this plan covers pre-existing illness or health conditions within 11 months of consecutive policy renewal.

Vital features and extent of coverage

  • The costs borne due to in-patient hospitalization reasons are paid under the policy, provided the hospitalization term is 24 hours or more.
  • Room rent, boarding charges and nursing expenses at the rate of 1% of the total amount of coverage is also payable by the insurance provider. Also, the maximum amount you can avail is Rs. 3000/day.
  • The policy clause also covers the fees of medical practitioner, surgeon, consultant, anesthetist and specialist.
  • The money spend on anesthesia, oxygen, blood, surgical equipment, diagnostic materials, OT charges, radiotherapy, chemotherapy, dialysis, pacemaker charges, etc. are also borne by the company.
  • The expenses incurred due to emergency ambulance services are also covered by the policy. The minimum (per hospitalization) and maximum (per policy period) limits are Rs. 750/- and 1500/-, respectively.
  • The medical expenses received before hospitalization is also covered up to 30 days before the date of hospitalization.
  • Even post-hospitalization expenditures are also covered. It is calculated at the rate of 7 percent of the hospitalization expenditures. Rs. 5000/- is the maximum limit. Room rent is not included.
  • A co-payment of 30% (of the permitted claim amount) is also there. This is in regard to every claim.
  • Certain daycare treatments or procedures are also covered as specified in the policy.
  • Pre-acceptance health screening is not needed.
  • The total term of this policy is 2 years. The amount insured as well as the sub-limits are meant for each and every year of the policy only. It cannot be carried forward.
  • The policyholder can enjoy good amount of tax exemptions. The exemptions are valid on all payment modes, except cash.

Additional benefits

  • The policy also offers coverage to HIV positive individuals, provided their CD 4 count is minimum 350 at the time of applying for the policy. Any opportunistic infection(s) and treatment for AIDS/HIV are excluded from the rider.
  • It also covers non-allopathic treatments. It can be availed at the rate of up to 25 percent of the total amount insured. Also, an amount of maximum Rs. 25,000/occurrence for every year of insurance can be availed.
  • Free look period benefit is also offered. The duration of this policy review period is 15 days. After that, if you want to cancel the policy, you can do it anytime, but not at the time of renewal.

Premium details

  • The payments can be made in two installments.
  • The 1st installment should be paid at the time of purchasing the policy and the second at the commencement of 2nd year of the insurance policy.
  • In case a claim is filed, the installment falls. That’s because – then it would be adjusted from the admissible claim amount.
  • The policy will be considered as ‘lapsed’, in case of non-payment of installment on time or before the last date of installment due date.

Rating schedule – Installment premium (Annual)

Chart I

Sum Insured (RS.)

Sublimit PED Cover (Rs.)

18-25 Years

26-40 Years

41-55 Years

56-60 Years

61-61 Years

66-70 Years

100000

50000

5880

6720

10080

11760

14170

16100

200000

100000

7585

9840

14760

17220

20745

23575

300000

150000

10625

13800

20010

22770

23805

26450

Note: Applicable for Bangalore, Ahmedabad, New Delhi (including Faridabad, Noida and Gurgaon) and Mumbai (including Thane)

Chart II

Sum Insured (RS.)

Sublimit PED Cover (Rs.)

18-25 Years

26-40 Years

41-55 Years

56-60 Years

61-61 Years

66-70 Years

100000

50000

4900

5600

8400

9800

12320

14000

200000

100000

6320

8200

12300

14350

18040

20500

300000

150000

8855

11500

16675

18975

20700

23000

Note: Applicable for the other parts of India

Eligibility

  • This policy can be purchased by any individual who is between 18 years and 65 years old.
  • The policy is only for individuals who live in India.
  • No exit age is there.
  • After 65 years only policy renewals can be done.

Minimum

Maximum

Sum Insured

Rs. 1,00,000

Rs. 3,00,000

Policy Term

2 Years

2 Years

Entry

18 Years

65 Years

Renew ability age limit

70 Years

Policy exclusions you should be informed of:

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