Overview
Commencing operations in 2006 as Indias first Standalone Health Insurance provider, Star Health and Allied Insurance Co Ltd is providing sterling services in Health, Personal Accident and Overseas Travel Insurance etc. Awarded for “Best Health Insurance provider of the year 2018” – Business Today, Money Today financial awards 2018 – 2019 and Awarded as “India’s leading Insurance Company of the year – Dun & Bradstreet BFSI Summit & Awards 2019. Star health offers a wide range of products from floater schemes, senior citizen coverage plans and products for Diabetes/Heart/HIV patients also. It has a Pan India presence with 550+branch offices, Cashless treatment at 9900+ hospitals across India, Star health also provides 24 X 7 FREE medical advice and expert Doctor consultation. You also get Hassle-free in-house claim settlement without intervention of TPA. Star Health efforts have always been on service excellence and product innovation with a focus on delivering the best to the customers
Highlights for Health Gain
Wide Cover
Flexible Policy
Sum Insured
Policy Type
Entry Age
Flexible Premium Options
Income Tax Benefit
Features
Sub-limits
Room Rent
Room rent for in-patient hospitalisation
Organ Donor
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Pre-Hospitalisation : 30 days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 60 days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : Covered upto Sum Sum Insured
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 24 months
Listed specific illness
Waiting Period- PED : 48 months
No pre-existing ailment related claims are accepted within this period.
Room Rent : Room, Boarding, Nursing Expenses all inclusive as provided by the Hospital / Nursing Home upto 1% of the sum insured per day
Room rent for in-patient hospitalisation
Co pay : This policy is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : Not available
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : Not available
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : Yes,upto sum insured
% of the sum insured that rises every claim free year.
Video/telephone consultation : Not available
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Ambulance : Yes, charges up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1,500/- per policy period
Transportation of the patient to the hospital and back home
Convalescence benefit : Not available
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : Not available
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : Not available
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : Available
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : Not available
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : Available
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : Available
All advanced treatment with upgrade in technology.
Health Management/ Wellness : Not available
Benefits provided for staying fit and managing health
Maternity Benefit : 1.Medical treatment expenses traceable to childbirth 2. Expenses towards miscarriage
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.