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
Red Carpet Senior Citizen
Day Care Procedures
Yoga and Naturopathy
Features
Sub-limits
Room Rent
Room rent for in-patient hospitalisation
ICU Charges
Charges for ICU hospitalisation
Co pay
% of the claim that the policyholder needs to pay out-of-pocket
Health Check up
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
Ambulance
Transportation of the patient to the hospital and back home
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 : After 48 months of waiting period
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 : Rs.1,00,000/- to Rs.5,00,000/- Up to 1% of the sum insured, 7,50,000/- and Rs.10,00,000/- Up to Rs.6,000/- , 15,00,000/- Up to Rs.7,000/- , 20,00,000/- Up to Rs.8,500/- , 25,00,000/- Up to Rs.10,000/-.
Room rent for in-patient hospitalisation
ICU Charges : 1,00,000/- to Rs.10,00,000/- Up to 2% of the sum insured, Rs.15,00,000/- to Rs.25,00,000/- Actuals.
Charges for ICU hospitalisation
Co pay : 30% for all claims
% of the claim that the policyholder needs to pay out-of-pocket
Health Check up : Expenses incurred towards cost of health check-up up to the limits done at star network hospitals and the policy is in force mentioned in the table given below for every claim free year provided the health check-up is 1,00,000/- to 4,00,000/- Not Available, 5,00,000/- and 7,50,000 /- 1,000, 10,00,000/- and 15,00,000/- 2,000 , 20,00,000/- and 25,00,000/- 2,500.
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
Ambulance : 1,00,000/- to 4,00,000/- 1,200/-, 5,00,000/- to 10,00,000/- 2,000/-, 15,00,000/- to 25,00,000/- 3,000/-.
Transportation of the patient to the hospital and back home
AYUSH : 1. Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. 2. Claims under Yoga and Naturopathy system of treatment will be payable subject to prior approval from the company
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : No
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : Covered (Expenses are subject to the limits)
All advanced treatment with upgrade in technology.
Health Management/ Wellness : No
Benefits provided for staying fit and managing health
Maternity Benefit : NO
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.