Today’s sedentary lifestyle of an individual makes them more prone to illness. And the increasing expenses of medical treatment of hospital or any private nursing home has led to the demand of health insurance plan. A proper health insurance plan can help you in such case as it aids financial security in case of medical emergency. And Star Health Insurance plan can be a leading one as it provides an optimal solution. Star Health Insurance Company has been considered to be the most leading insurer in India.
The company has come into existence in 2006. At Star Health and Allied Insurance Co Ltd, you can avail wide range of insurance plans at an affordable price. So it is recommended, innovative plans and easy to use features of Star Health are a must try. The company focuses on Health Insurance, Overseas Mediclaim Policy and Personal Accident coverage. They mainly focus on service excellence, products designing and use core skill of innovation to convey the best to the customers. It is India’s first stand-alone Health Insurance Company, who has made a promising lane for the future with a capital base of Rs.1050 crores. It is the first insurance company that gets licence from Insurance Regulatory and Development Authority or IRDA exclusively for the medical insurance. The company has it’s headquartered in Chennai and specializes in Health Insurance Products.
Major Benefits You Are Offered under Star Health Insurance Plans
Star Health Insurance is one of the most well-known names in the health insurance sector. This insurer can satisfy you in all the possible ways by providing health insurance comprehensive coverage. Following are the major benefits that you can avail armed with Star Health Insurance policies.
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Star Health Insurance Company offers a range of health insurance policies such as individual health plans, family health, group health insurance, senior citizen health products etc.
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The insurer has made policies to offer the maximum benefits to its policyholders in the most affordable manner.
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Star Health Insurance Company provides option to purchase a yearly health insurance plan or a multi-year plan.
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Most of the plans of Star Health Insurance come with lifetime renewability option.
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You can get the option to buy family health plan and individual health insurance plan.
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Policyholders of Star Health Insurance Company can avail compensation for expenses incurred on medical check-ups after 4 consecutive claim-free years.
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The company has almost 8000+ network hospitals across India where you can avail cashless treatment.
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If you are not filling a claim, you can earn a cumulative bonus.
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Star Health Insurance policies offer coverage for in-patient hospitalization costs including the room rent charges, boarding and nursing expenses.
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It provides coverage against ICU charges, surgeon, medical practitioner, fees charged by the specialist and anaesthetist.
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Under Star Health Insurance Plans, you can get coverage for expenses incurred 30 days prior to the hospitalization and 60 days after the hospitalization.
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This insurer provides ambulance cover up to a specified limit.
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You can also get compensation for day care procedures, organ donor expenses etc.
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Some of the plans of Star Health Insurance cover expenses incurred on Ayurvedic, Homeopathic Unani and Siddha treatment.
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If require, you can avail domiciliary hospitalization cover.
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The company offers minimal documentation, quick and hassle-free claim settlement procedure.
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Who are lesser than 60 years old, then co-payment is not required for applicants.
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For applicant above 60 years of age 20% of co-payment is applicable for them
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If you own Star Health Insurance Plans can get tax benefits under section 80 D.
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By using Star Health Premium Calculator, you can easily be familiar with the cost of insurance premium online.
Apart from these basic health insurance coverage, by paying an additional premium, you can get some optional benefits, but it may vary from one plan to another-
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Outpatient Dental Care
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Maternity Cover
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Critical Illness Benefit
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Co-payment Benefit
Important Health Insurance Policies Provided by Star Health
Myriads of health insurance plans are on offer by Star Health Insurance Company. Following are the important Star Health insurance policies,
Star Comprehensive Insurance Plan –
This policy offers all-inclusive health coverage. If you do not want any capping on room rent coverage and treatment costs. This plan provides coverage for bariatric surgical procedures including complications, air ambulance etc.
Star Family Health Optima Insurance Plan –
Optima health insurance plan available with Star Health is designed to cover you and your family under on plan. This plan offers maximum sum 25 lakh rupees Sum Insured. Under this Star Family Health Optima Insurance plan you can get coverage for new-born baby, donor expenses, domiciliary hospitalization and assisted reproductive treatment.
Star Senior Citizens Red Carpet Insurance Plan -
This plan is mainly calculated for the people above the age group of 60 years. The maximum Sum Insured limit of this plan is 10 lakh rupees. The plan also covers pre-existing diseases after 2 consecutive years of policy term.
Star Super Surplus Insurance Plan –
This plan is considered as the additional coverage of Star Health. By paying a little amount of extra premium you can avail this additional coverage with the top-up plan. This policy is available in two variants, like Silver Plan and Gold Plan.
Star Criticare Plus Insurance Plan –
Under this policy, policyholders can get the coverage for 9 specified critical illnesses. Upon diagnosis on mentioned critical illness, you will get the lump sum amount.
Star Cancer Care Gold Insurance Plan –
This policy is specially designed to offers health insurance coverage to the people suffering from cancer. The company will pay 50% of the Sum Insured and the compensation is paid in lump sum.
Conclusion
To conclude, it can be said that the rising number of health issues is the major cause behind the medical inflation. That is why there are numerous health insurance companies in India that come up with a range of health insurance plans. One of the most sought after health insurance companies in India is Star Health Insurance. All the plans offered by Star Health provide coverage to a specific set of audience. You can buy the policy as per your needs and requirements.
