Star Health Assure Insurance Policy
Star
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Co-payment
The Star Health Assure Insurance Policy has a mandatory co-payment of 20% for all claims.
Advanced treatments
The Star Health Assure Insurance Policy covers advanced treatments, including modern medical procedures like oral chemotherapy, intravitreal injections, and robotic surgeries, up to the sum insured.
Brochure
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Our Verdict
Star Health Assure shines with unlimited sum insured restoration and covers large families without pre-screening. While deductibles are optional, its comprehensive coverage and wellness discounts suit those prioritizing extensive, worry-free health security.
About the Plan
The Star Health Assure Insurance Policy is a comprehensive health insurance plan designed to cover expenses arising from hospitalization due to illness or accidents. It offers a range of sum insured options, from ₹5 lakh to ₹2 crore, catering to diverse healthcare needs. Notably, the policy provides automatic restoration of the sum insured for an unlimited number of times within a policy year, ensuring continuous coverage even after multiple claims. Policyholders can include up to nine family members under a single policy, making it suitable for large families. Additional benefits include wellness discounts of up to 20%, coverage for modern treatments, and home care treatment for specified conditions. The policy also offers flexibility in premium payments, with options for monthly, quarterly, half-yearly, or annual installments. Moreover, there is no pre-acceptance medical screening required, simplifying the enrollment process. For detailed information, you can refer to the official policy brochure.
About the Plan
Product Stats
Rating
Features of the Product
Cumulative Bonus
Your sum insured increases by 10% every year, maximum up to 100%
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Initial Waiting Period
30 days.
Specific Waiting Period
2 years
PED Waiting Period
3 years
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Post-Hospitalisation
You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it
Outpatient Department Cover (OPD Expense)
OPD expenses are not included
Claim Settlement Ratio
82.31%
Cashless Healthcare Providers
13000+ Healthcare Providers
Maternity Cover
Available
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-payment
Yes
Consumable Cover
Yes
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Deductible Option
Available as an option
Coverage Options
Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr
Room Rent
If your sum insured is up to ₹5 lakh, room rent coverage is capped at 1% of your sum insured. For sum insured between ₹10 lakh and ₹25 lakh, you can choose a single AC or twin-sharing room, excluding suites. If your sum insured is ₹50 lakh or more, you have full freedom to pick any room category.
Exclusions
Pre-existing diseases are excluded until the waiting period is completed (30 months for a 3-year policy, 36 months for 1 or 2-year policies).
Expenses related to specific diseases or procedures are excluded until a 24-month continuous coverage period is completed.
Treatments for obesity, weight control, and cosmetic or plastic surgery are not covered unless medically necessary due to an accident or burns.
Congenital external diseases, mental illness, behavioral disorders, and developmental disorders are excluded.
Injuries or illnesses due to war, nuclear hazards, or chemical exposure are not covered.
Treatment for alcoholism, drug abuse, and other substance-related disorders is excluded.
Exclusions
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Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance.
A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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Still Confused ?
FAQs
Frequently Asked Questions
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
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