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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 Wedding Gift

With marriage comes responsibilities and joy of togetherness. What other than the ‘oath of protection’ can complement this pious relationship? Therefore, Star Health Insurance Company has introduced ‘Star Health Wedding Gift’. It’s an insurance policy that would be your companion in the adverse times.

This unique health insurance policy covers the expenses related to childbirth, pre-natal, post-natal care as well as other aspects.

Are you eligible?

  • Any couple, who resides in India and is between the age group of 18 years to 40 years, is eligible for this plan.
  • The age of policy renewal is up to 45 years.

Policy benefits

  1. Hospitalization cover
  • In-patient hospitalization expenses on completion of 24 hours in a hospital
  • Charges (room rent, nursing and boarding expenses) for up to Rs. 4000/day/
  • Fees – Doctor, Surgeon, Consultant, Anesthetist, Specialist
  • Emergency ambulance expenses – minimum 1000/hospitalization to maximum Rs. 1500/policy term.
  1. Delivery charges (Pre and Post natal care)
  • Delivery expenses of the baby up to the specified limits (both Caesarean and Normal)
  • Pre as well as post natal care
  • Post delivery cover for the mother for complications (if any)
  1. Free benefit
  • Expenses incurred on account of disorder detection in the fetus (Maximum Rs. 1000/- after 27 months of waiting period)
  1. Newborn care
  • Care of the newborn baby (includes congenital defects/disorders)
  1. Non-allopathic treatments
  • Calculated at the rate of 25% of the total sum insured
  • A maximum of Rs. 25000/policy period
  1. Pre-existing health conditions
  • Covers pre-existing ailments after a waiting period of 48 months
  1. Pre and post hospitalization coverage
  • Pre-hospitalization medical bills for maximum 30 days before
  • Post hospitalization benefit, calculated at the rate of 7% of the expenses incurred during hospitalization (max. Rs. 5000/-)
  • The second pointer also includes room charges
  • Not valid for delivery claims
  • No pre-medical tests

Options with Sum insured


Option 1

Option 2

  1. Hospitalization Expenses

Rs. 300000/-

Rs. 500000/-

  1. Delivery Expenses

Rs. 15000/- (Normal)

Rs. 20000/- (C-Section)

Rs. 20000/- (Normal)

Rs. 25000/- (C-Section)

  1. Pre and Post Natal Expenses

Rs. 1500/- (Pre Natal)

Rs. 2000/- (Post Natal)

Rs. 2000/- (Pre Natal)

Rs. 4000/- (Post Natal)

  1. Newborn Cover (Hospitalization expenses including congenital ailments)

Rs. 30000/-

Rs. 50000/-

  1. Newborn Cover (lump sum for Cerebral Palsy and Down’s Syndrome)

Rs. 60000/-

Rs. 100000/-

  1. Complications after delivery

Actual with the limits of hospitalization

Actual with the limits of hospitalization

  1. Diagnostic tests for congenital abnormality (fetus)

Rs. 1000/-

Rs. 1000/-

Note: The cover limits given in the pointers 4 to 7, is a part of the total amount insured under pointer 1.

Options with Policy period and Premiums

The policy is available in 2 terms:

  • 1 year
  • 2 year

Take a look at the tables given below to know more about policy premium in accordance to the term:

Policy Period of 1 Year

Policy Period of 2 Years


Family Size



Family Size



5months –35 years

36 Years -45 Years


5months-35 years

36 Years -45 Years

Option 1

2 A

Rs. 10305

Rs. 10740

Option 1

2 A

Rs. 18550

Rs. 19335

2 A + 1 C

Rs. 10535

Rs. 11305

2 A + 1 C

Rs. 18965

Rs. 20350

Option 2

2 A

Rs. 13960

Rs. 14680

Option 2

2 A

Rs. 25130

Rs. 26425

2 A + 1 C

Rs. 14470

Rs. 15310

2 A + 1 C

Rs. 26050

Rs. 27560

Note – A means Adult and C means Children.

Policy exclusions

  • All pre-existing diseases for 48 months from the commencement of the policy
  • Cosmetic treatments
  • Naturopathy treatments
  • Mother’s congenital defects
  • Diagnostic expenses

Other related aspects you should be informed of:

  • In order to purchase this policy, the prospective policy holder does not require going through pre-acceptance medical tests.
  • The policyholder is entitled to avail handsome amount of tax rebate, according to ITA Act, 1961, Section 80 D.
  • The policyholder can renew the same up to the age of 45 years. After that period is over, the insured couple can switch to any other policy (equivalent) under the insurance provider.
  • Free look duration is also offered. It is for 15 days.