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  Types of Health Insurance Policies Provided by Star Health Insurance: Policies forming a part of the company’s health insurance plans portfolio are listed below: Star Comprehensive Insurance Policy Star Medi Classic Insurance Policy Star Family Health Optima Insurance Plan Star Senior Citizens Red Carpet Health Insurance Policy Star Super Surplus Star Super Surplus Gold Plan Star Health Gain Star Criticare Plus Star Cardiac Care Star Unique Health Insurance Policy Star Wedding Gift Insurance Star Diabetes Safe Insurance Policy Star Family Delite Insurance Policy Star Health Insurance Netplus Star Micro Health Insurance Policy Star Care Insurance Policy Star Health Accident Care Insurance Policy Star Health Student Care Plan Star Cancer Care Gold

  The eligibility, coverage basis, costs and other benefits relating to each plan are outlined below: Star Comprehensive Insurance Policy: A Star comprehensive insurance policy is an insurance plan that provides an exhaustive coverage to inpatient as well as certain outpatient treatments. It also considers the healthcare needs of new/expectant mothers. Entry Age Adults: 3 months – 25 years Children: 18 years – 65 years Basis Individual and Family Floater Sum Assured Rs.5 lakhs to Rs.25 lakhs; chosen amount can be increased on renewal Premium Charges Starts from Rs.7,015 Actual premium varies based on sum insured, age, and family size Reinstatement of sum assured Up to 100% Bonus Cumulative bonus at the rate of 50% of the sum insured amount is offered for every claim-free year Covers Hospitalisation expenses with the inclusion of pre- and post-hospitalisation expenses Delivery/New-Born Cover (Includes C-sec deliveries and vaccinations for newborns) Outpatient treatment (Dental ...

  Star Medi Classic Insurance Policy (Individual): The Star medi classic insurance policy  is a comprehensive health insurance plan that provides a cover against a range of medical expenses. The policy also covers non-allopathic treatments. Further, with this policy, the insured individual can also purchase add-ons plans that will provide him/her a more enhanced level of protection. Entry Age 5 months to 65 years; only renewals allowed after 65 years Family plan- 5 months to 45 years Medical Screening Required for customers above 50 years at authorised centres Co-payment 10% of all claims for insured members above 60 years Policy Period 1 year or 2 years Discounts 5% discount can be availed upon paying premiums in advance for 2 full policy years Sum Insured Individuals: Rs.1.5 lakhs to Rs.15 lakhs;Family Package Plan: Rs.2lakhs or 3 lakhs Annual Premium Charges  Individuals  Family Package Plan Individual Plan: Rs.2,510 to Rs.88,170, varies based on the sum...

  Star Family Health Optima: A Star family health optima Insurance Plan provides coverage against healthcare-related expenses to the entire family, at an affordable premium rate. Some of the key features of the Family Health Optima Plan are mentioned in the table below. Entry Age Adults: 18 years to 65 years Children over 16th day can be included in the cover Only renewals allowed after 65 years Sum assured Rs.1 lakh to Rs.25 lakh Premiums charged Rs.3,890 to Rs.34,700;Depends on sum assured, age, family size and zone; based on age of oldest insured member Bonus Bonus of 25% can be availed on the sum insured amount for the first claim-free year, and 10% for every subsequent claim-free year Reinstatement of sum assured Up to 100% reinstatement Co-payment 20% of all claims for insured members over 61 years of age Coverage In-patient hospitalisation Ambulance charges Pre and post-hospitalization expenses Day-care expenses Domiciliary hospitalisation Organ donor expenses Cost...

  Star Senior Citizens Red Carpet Health Insurance Policy: Senior citizens are an oft-ignored segment of the  health insurance  industry given their limited incomes and high susceptibility to age-related illnesses. Star Health has addressed this group's protection needs through this  Star senior citizen's red carpet   plan which provides affordable and adequate coverage along with attractive features. Entry Age 60 to 75 years Renewals Guaranteed after 75 years Sum assured Rs.1 lakh to Rs.10 lakhs Premium charges Rs.4,450 to Rs.26,550 Discount 5% discount upon purchasing policies online Medical screening Not required. Treatment Provided at any network hospital Co-payment 50% for pre-existing disease claims; 30% for other claims Covers In-patient hospitalisation Pre-existing diseases after first policy year Outpatient consultations Cover for specific diseases Ambulance charges Pre- and post-hospitalisation expenses

  Star Super Surplus Insurance Policy:  Star super surplus  Provides greater protection than that offered by the average run-of-the-mill plans. It can be availed by individuals for themselves or on a floater basis to include their families as well. Entry Age 3 months to 65 years; only renewals beyond 65 years Basis Individual or Floater Sum assured Individual- Rs.7 lakh/ 10 lakh Family Floater- Rs.10 lakh Premium charged Premiums will vary on the basis of the plan type, sum insured, age at entry, and other factors Individual Plans: Premiums start at Rs.1,300 Family Floater Plans: Premiums start at Rs.1,800 Coverage Silver Plan: Hospitalisation cover Surgeon’s fees, anaesthetist charges, etc. Cost of blood, drugs, anaesthesia, etc. Gold Plan: Hospitalisation cover Surgeon’s fees, anaesthetist charges, etc. Cost of blood, drugs, anaesthesia, etc. Air ambulance cover Emergency ambulance charges Option to avail second opinion Provides greater protection than that offered by t...

  Star Super Surplus ‘Gold’ Plan: A Star super surplus gold plan which caters to any unforeseen event, offering enhanced protection to policyholders. Designed primarily to offer enhanced protection, this is ideal for individuals who wish to avail the best in health insurance. Provisions of air-ambulance, absence of room rent cap, lifelong renewal and affordable premiums have made the Gold Plan a perfect ally for people accustomed to a certain way of life. Entry age Minimum – 18 years Maximum – 65 years Children can avail protection under this plan, subject to the parent being a policyholder. Children aged between 3 months and 25 years can be protected under this policy Basis Individual or Floater Sum assured Minimum – Rs 5 lakhs (Floater and Individual) Maximum – Rs 25 lakhs (Floater and Individual) Maximum- Rs.10 lakhs (Individual) Premium charged Ranges between Rs 1,950 and Rs 36,360, depending on the entry age and sum assured Co-payment 10% of claim amount for policyholder with ...

  Star Health Gain: The Health Gain Insurance Policy from Star Health is a unique insurance policy that provides a cover against both inpatient and outpatient expenses. The policy can be purchased on an individual basis or for an entire family as a family floater plan. Entry Age 5 months to 65 years Basis Individual or Floater Sum Insured Rs.1 lakh – Rs.5 lakh Premium charged Starting from Rs.15,000 (excluding GST) Discount Maximum 10% no-claim bonus upon renewal. Coverage Outpatient treatment within limits Ambulance charges Pre/Post-hospitalization expenses Day-care procedures as specified Pre-existing diseases, after 48 months In-patient hospitalisation

  Star Criticare Plus Insurance Policy: The Star criticare plus insurance Policy specifically provides a cover for up to 9 critical illnesses. Thus, with this policy, if the insured individual happens to be diagnosed with a critical illness, he/she will receive a lump sum payout, from the insurer. Entry Age 18 to 65 years, only renewals beyond 65 years Basis Individual Sum assured Rs.2 lakhs to Rs.10 lakhs Premiums charged Rs.3,750 to Rs.35,350 (excluding tax) Discounts : 5% for 2 members and below; 10% above 2 members Medical screening Required for persons above 50 years at authorised centres Co-payment 30% of claims for insured parties above 60 years; applicable to sub-limits Covers Hospitalisation cover Ambulance charges Pre/Post-hospitalization expenses Day-care procedures Non-Allopathic treatments Major diseases Pre-existing diseases after the waiting period

Star Cardiac Care Insurance Plan: Entry Age 10 to 65 years; for those who have been Stenting or Bypass patients in the 7 years preceding policy inception. Sum assured Rs.3 or 4 lakhs Premiums charged Silver Plan: Starting from Rs.18,000 Gold Plan: Starting from Rs.26,000 Medical screening Required for all entrants Co-payment 10% of claims for insured parties above 60 years.of age Coverage Hospitalisation cover Ambulance charges Pre/Post-hospitalization expenses Day-care procedures Pre-existing illnesses after 48 months Cardiac diseases after the 90-day waiting period Outpatient expenses Personal Accidents

  Star Unique Health Insurance Policy: The Star Unique Health Insurance Policy provides a cover for both pre-existing diseases and any ailments/illnesses that might occur in the future. Policy buyers also do not have to undergo a pre-policy medical screening in order to purchase this plan. The main benefits and features of the policy are listed below. Entry Age 18 to 65 years; only renewals allowed beyond 65 years Basis Individual. Policy period 2 years; sum assured and the sub-limits are per policy year Sum assured Rs.1 lakh to Rs.3 lakhs Sub-limits Rs.50,000 to Rs.1.5 lakhs Premiums charged Rs.4,900 to Rs.26,450 Premium payment 2 installments; one at inception and then at start of 2nd policy year Medical screening Not required Coverage Covers HIV+ persons (subject to conditions) Non-allopathic treatments Pre/Post-hospitalization expenses Pre-existing diseases Ambulance charges Day-care procedures as specified In-patient hospitalisation

  Star Wedding Gift Insurance:  A Star wedding gift insurance provides a wide coverage to insured individual by covering their regular hospitalisation expenses, providing a pre- and post-natal cover, and also providing a risk cover to the newborn. Entry age (for couples) 18 to 40 years; renewable till 45 years; followed by optional policy migration Basis Floater Premium payment: One-Year Cover: Rs.10,305 to Rs.15,310 Two-Year Cover: Rs.18,550 to Rs.27,560 Policy period 1 or 2 years. Medical screening Not required. Coverage In-patient hospitalisation Ambulance charges Delivery expenses, pre- and post-natal expenses Newborn baby care Non-Allopathic treatments Pre-existing diseases after 48 months Pre- and post-hospitalisation expenses

  Star Diabetes Safe Insurance Policy: The Diabetes Safe Insurance Policy from Star Health is a unique insurance policy that provides a cover against both Type 1 and Type 2 Diabetes. The policy can be purchased as individual or floater policy. Outpatient expenses such as medical consultation, medicines, and diagnostic tests are covered. Compensation for accidental death of insured member given. Donor expenses for kidney transplant are also covered. Dialysis expenses of Rs.1,000 per sitting covered up to 2 years. Over 400 day-care procedures covered and automatic restoration of entire sum insured. Entry age 18 to 65 years Basis Individual or Floater Medical screening Plan A: Medical screening is mandatory Plan B: Medical screening is not required Reinstatement of sum assured Up to 100% (on individual basis) Coverage Covers hospitalisation expenses as a result of Type 1 or Type 2 diabetes Covers hospitalisation expenses as a result of other diseases Outpatient expenses Personal accid...

Star Family Delite Insurance Policy: The Family Delite Insurance Policy from Star Health is an affordable health insurance policy that is especially catered towards families. By way of this policy, insured members will receive a cover against in-patient, pre-hospitalisation, post-hospitalisation, and specified day-care procedure expenses. Entry age 5 months to 65 years, only renewals allowed beyond 65 years Basis Floater Sum assured Rs. 2 or 3 lakhs Premium charged Premiums start from Rs.2,800 Actual premium rate will vary on the basis of the sum insured, number of family members enrolled, age of the oldest family member, etc. Medical screening Required for entrants above 50 years at authorised centres Coverage In-patient hospitalisation cover Emergency ambulance charges Pre- and post-hospitalisation expenses Day-care procedures, as mentioned in the brochure Specific diseases mentioned in the brochure Pre-existing diseases after 48 months