Star Health Insurance Policy Details

Star Health Insurance Policy Details: An Overview

Founded in 2006, Star Health Insurance is the first standalone health insurance provider in India. With a vast network of over 11,000 hospitals, the health insurer is easing access to quality medical care for policyholders. The company has covered more than 17 crore lives since its inception, keeping transparency with its new and old customers.

It is essential to check Star Health Insurance policy details before buying health insurance to protect yourself, your family, or your elderly parents. Continue reading this article to get Star Health policy details, including different health plans available, coverage benefits, exclusions, and riders available to help you make an informed decision and get maximum policy benefits.

Why is it Important to Check Star Health Insurance Policy Details?

Checking Star Health policy details is important for several reasons, as it gives you confidence that you fully understand the coverage, benefits, limitations, and exclusions of the policy. Ultimately, it helps you navigate an impactful healthcare experience and financial security for yourself and your family against any medical emergency.

Here are some of the reasons why it is important to check Star Health Insurance policy details:

Understanding Coverage and Benefits

Knowing what is covered under your Star Health Insurance policy helps you plan for healthcare needs without worrying about unexpected out-of-pocket expenses. You can get additional benefits, such as annual health check-ups, wellness programs, or specific disease coverage, depending on your suitability and requirements.

Financial Planning

While choosing the sum insured under Star Health policy, you can calculate the premium cost payable that is affordable to your pocket and get enough for potential medical expenses.

Avoiding Medical Emergencies

Checking Star Health Insurance policy details informs you of policy inclusions and exclusions that help you navigate unexpected medical situations. Also, having clarity about the waiting period associated with pre-existing medical conditions and specific treatments prevents disappointments at the time of claims.

Policy Management

Star Health Insurance policy details provide a clear view of premium payment, renewal, and add-on benefit requirements. If you are not satisfied with your existing health policy, you can use the portability option.

Efficient Claim Process

A clear understanding of Star Health policy details lets you know when to file an applicable claim and streamlines the process, reducing delays. Also, it familiarizes you with the network hospitals so you can easily access cashless treatment during an emergency.

Policy Customizations

Regularly checking Star Health insurance policy details can help you adjust your policy to suit your changing health needs. You can customize your policy as per your needs, providing additional coverage where necessary.

Key Facts About Star Health Insurance:

850+ branches and 6.80 lakhs+ agents to provide uninterrupted service
Get coverage of up to Rs. 2 crores
Avail anywhere cashless claims in 14,000+ network hospitals across India
Ever-ready assistance with 24X7 customer support
Qualified in-house claim settlement team
90% of cashless claims settled within 2 hours
92% of reimbursement claims settled within 7 days
Trusted by over 70 million families
Up to 1 Lakhs of annual tax benefits

Brief of Star Health Insurance Policies Details

We have prepared a list for you to help you understand Star Health Insurance policy details based on their types. Go through the table below:

Plan Name	Plan Type	Plan Highlights	Entry Age	Sum Assured	Waiting Period (from the date of inception of the policy)	Policy Term	Cumulative Bonus
Star Women Care Insurance Policy	Individual or floater basis	Assisted reproduction treatment for sub-fertility Bariatric Surgery Maternity benefit	Females: 18 to 75 years Dependent Children: 91 days to 25 years Daughter: Upto 30 years (unmarried and/ or unemployed)	Rs. 5 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, and Rs. 1 Crore	Bariatric Surgery: 24 months Assisted Reproduction Treatment: 36 months Ante Natal Care: 24 months Delivery Expenses: 24 months	1/ 2/ 3 years	20% of the sum insured
Star Health Assure Insurance Policy	Individual or floater basis	Wide Coverage Newborn cover Home care treatment	Individuals: 18 years to 75 years Dependent children: 16 days to 17 years	Rs. 5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 75 Lakhs, Rs. 1 Crore, and Rs. 2 Crores	Delivery Expenses: 24 months Assisted Reproduction Treatment: 24 months	1/ 2/ 3 years	20% of the sum insured
Star Health Comprehensive Insurance Policy	Individual or floater basis	PED buy-back Outpatient cover Personal accident cover	Adults: 18 years to 65 years Dependent Children: 91 days to 25 years	Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 75 Lakhs, and Rs. 1 Crore	Delivery Expenses: 24 months Pre-existing Diseases: 3 years to 1 year	1/ 2/ 3 years	Available
Star Young Star Insurance Policy	Individual or floater basis	Star wellness program Special discount Midterm inclusion	Adults: 18 years to 40 years Dependent Child: 91 days to 25 years	Rs. 5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 75 Lakhs, and Rs. 1 Crore	NA	1/ 2/ 3 years	20% of the sum insured
Star Smart Health Pro	Individual or floater basis	Policy discount Annual health check-up Star wellness program	Adults: 18 years - 50 years Dependent Children: 18 days - 25 years	Rs. 5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 75 Lakhs, and Rs. 1 Crore	Initial waiting period: 30 days Special conditions: 24 months Pre-existing diseases: 48 months	1/ 2/ 3 years	50% of Sum Insured to maximum of 600% of the sum insured
Star Super Surplus	Individual or floater basis	Top-up policy Long term discount Instalment option	Adults: 18 years - 65 years Dependent Children: 91 days - 25 years	Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, Rs. 75 Lakhs, and Rs. 1 Crore	As per IRDAI regulations	1/ 2 years	NA
Star Senior Citizens Red Carpet Health Insurance	Individual or floater basis	Premium discounts Outpatient consultation Modern treatments	Senior citizens: 60 years to 75 years	Rs. 1 Lakh, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs	30 days	1/ 2/ 3 years	NA
Star Arogya Sanjeevani Policy	Individual or floater basis	Economical premium Lifelong renewal Rural discount	Individual: 3 months to 65 years	Rs. 50K to Rs. 10 Lakhs	Illness: 30 days Pre-existing Diseases: 48 months	1 year	5% of the sum insured
Star Diabetes Safe Insurance Policy	Individual or floater basis	Two plan options Instalment options Automatic restoration of the sum insured	Adults: 18 years to 65 years	Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs, and Rs. 10 Lakhs	Non-diabetes: 30 days Hospitalisation expenses: 12 months Specified diseases: 24 months Pre-existing diseases: 48 months	1/ 2/ 3 years	NA
Star Special Care	Individual basis	For individuals diagnosed with Autism Spectrum Disorder No pre-insurance medical screening Sub-limits	Individuals: 3 years to 25 years	Rs. 3 Lakhs	Initial: 30 days	1 year	NA
Star Special Care Gold	Individual basis	For PWD individuals 21 disability covered HIV cover	Adults: 18 years to 65 years Dependent Children: 0 days to 17 years	Rs. 4 Lakhs, Rs. 5 Lakhs	Illness: 30 days Pre-existing disease: 48 months Specific diseases surgery: 24 months	1 year	NA
Star Cancer Care Platinum Insurance Policy	Individual basis	Medical examination Cancer and non-cancer ailments expenses Hospice care	Individuals: 5 months to 65 years	Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs	Hospice care: 12 months	1 year	5% to 50% of the sum assured
Star Cardiac Care Insurance Policy-Platinum	Individual basis	Cardiac and non-cardiac cover Cardiac devices cover Heart transplant	Individuals: 7 years to 70 years	Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs, and Rs. 15 Lakhs	Initial: 30 days	1/ 2/ 3 years	10% of the basic sum assured
Star Cardiac Care Insurance Policy	Individual basis	Cardiac ailments Outpatient expenses Personal accident cover	Individuals: 10 years to 65 years	Rs. 3 Lakhs, Rs. 4 Lakhs	Cardiac ailments: 90 days	1/ 2/ 3 years	NA
Star Out Patient Care Insurance Policy	Individual or floater basis	3 plan options Non-allopathic treatment Diagnostics, physiotherapy and pharmacy expenses	Adults: 18 years to 50 years Dependent Children: 31st day to 25 years	Rs. 25k, Rs. 50k, Rs. 75k, and Rs. 1 Lakh	Initial: 30 days Pre-existing Diseases: 48/ 24/ 12 months	1 year	NA
Star Hospital Cash Insurance Policy	Individual or floater basis	2 plan options Childbirth hospital cash Worldwide hospital cash	Adults: 18 years to 65 years Dependent Children: 91 days to 25 years	Rs. 1k, Rs. 2k, Rs. 3k, Rs. 4k, and Rs. 5k	Initial: 30 days Pre-existing diseases: 36/ 24 months Specific illness: 24 months	1/ 2/ 3 years	NA
Star Micro Rural and Farmers Care Policy	Individual or floater basis	For farmers and rural people Lifelong renewal Medical examination	Adults: 18 years to 65 years Dependent Children: 12 months to 25 years	Rs. 1 Lakh and Rs. 2 Lakhs	Pre-existing and specific disease and illness: 6 months	1 year	NA
Star Health Gain Insurance Policy	Individual or floater basis	Wide cover Income tax benefit Carried forward benefits	Adults: 18 years to 65 years Dependent Children: 91 days to 25 years	Rs. 1 Lakh, Rs. 2 Lakhs, Rs. 3 Lakh, Rs. 4 Lakhs, and Rs. 5 Lakhs	Initial: 30 days Specific disease and illness: 24 months	1 year	NA
Star Medi Classic Insurance Policy	Individual basis	Automatic restoration of the basic sum assured Zone-wise premium bifurcation Family package plan	Individuals: 16 years to 65 years	Rs. 1.5 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs, Rs. 10 Lakhs, Rs. 15 lakhs, Rs. 20 Lakhs, and Rs. 25 Lakhs	NA	1/ 2/ 3 years	5% to 25% of the basic sum assured
Star Health Premier Insurance Policy	Individual or floater basis	Long term discount Designed for people above 50 years of age Mid-term inclusion	Individuals: 5 years to no age bar Dependent Children: 91 days to 25 years	Rs. 10 Lakhs, Rs. 20 lakhs, Rs. 30 Lakhs, Rs. 50 Lakhs, Rs. 75 Lakhs, and Rs. 1 Crore	Hospice Care: 24 months	1/ 2/ 3 years	20% of the basic sum assured
Star Family Health Optima Plan	Floater basis	Affordable premium Automatic restoration of the sum insured Recharge benefit	Adults: 18 years to 65 years Dependent Children: 16th day to 25 years	Rs. 1 Lakh to Rs. 25 Lakhs	Assisted reproduction treatment: 36 months	1 or 2 years	Up to 100% of the basic sum assured
Star Critical Illness Multipay Insurance Policy	Individual basis	37 critical illnesses covered Star wellness program Instalments facility	Adults: 18 years to 65 years	Rs. 5 Lakhs to Rs. 25 Lakhs	Pre-existing diseases: 48 months	1/ 2/ 3 years	NA
Young Star Extra Protect	Add on cover	Add on cover Available with Young Star Insurance Policy Bonus guard	Same as the opted policy	Rs. 10 Lakhs	NA	Same as the opted policy	NA
Star Extra Protect	Add on cover	Insured covered under Family Health Optima Insurance Plan / Star Comprehensive Insurance Policy / Medi Classic Insurance Policy (Individual) with a minimum sum insured of Rs. 10 Lakhs	Same as the opted policy	Rs. 10 Lakhs	NA	Same as the opted policy	NA

* The plan details shown above are sourced from the official website of Star Health Insurance.

Things to Consider Before Buying a Star Health Insurance Plan

You can purchase any Star Health Insurance policy, but a mindful purchase creates a difference by financially backing you during a medical emergency. Here are the key factors that you can consider while checking Star Health Insurance policy details to keep it personalized and intact:

Coverage Benefits

Review the list of expenses covered, including hospitalisation limit, pre- and post-hospitalization expenses, daycare procedures, domiciliary treatment, and specific treatments. A step ahead, look for whether your Star Health policy offers no claim bonus, annual health check-ups, and coverage for alternative treatments like AYUSH.

Eligibility Criteria

Check the age limits for entry and renewal, pre-existing health conditions, and medical examinations required. Ensure you meet all criteria to avoid claim rejections later.

Sum Assured and Premium

Ensure the sum assured is sufficient for potential medical expenses and that the premium fits your budget. Balancing these aspects while reviewing the Star Health Insurance policy details ensures adequate coverage without financial strain.

Waiting Period

Review the waiting periods for pre-existing conditions, specific treatments, and maternity benefits. Knowing these periods helps you plan for future healthcare needs and avoid claim denials and delays.

Additional Benefits

Check if your Star Health policy allows for top-ups, super top-ups, or add-on riders. These options provide additional coverage at a lower premium, enhancing your protection without needing a completely new policy.

Policy Cancellation

Understand the cancellation terms, including the process, refund eligibility, and associated charges. The knowledge reduces the unexpected costs when switching policies or terminating coverage.

Star Health Plan Details: Understanding of Coverage Benefits

Look at the brief of coverage benefits that will give you a clear understanding of Star Health insurance policy details:

AYUSH Day Care

Any healthcare centre registered with local authorities that provides surgical treatments under the supervision of an AYUSH medical practitioner.

Cashless Facility

The insurer settles the expenses directly with the network hospital incurred due to the insured's treatment, provided the pre-authorization is already approved.

Co-payment

Co-payment is when the policyholder bears a specified percentage of the approved claim amount.

Cumulative Bonus

The cumulative bonus is an addition to the sum insured by the health insurer at the time of policy renewal without increasing the premium for a claim-free year.

Daycare Treatment

A daycare treatment is a medical or surgical procedure performed in a hospital or daycare centre in less than 24 hours.

Domiciliary Hospitalisation

Domiciliary treatment occurs when the insured is treated in the home for injuries or illnesses which could require care and treatment in a hospital.

In-Patient Care

In-patient care is a treatment for which the insured needs to stay in a hospital for more than 24 hours.

OPD Treatment

OPD treatment is done when an insured visits a clinic, hospital, or similar facility for diagnosis and treatment as advised by a medical practitioner.

Pre-existing Diseases

This is an injury, disease or ailment diagnosed by a physician within 48 months before the effective date of policy issuance or reinstatement.

Pre-Hospitalisation Medical Expenses

These are the medical expenses incurred during a pre-defined number of days before the hospitalisation.

Post-Hospitalisation Medical Expenses

These are the medical expenses incurred during a pre-defined number of days immediately after the discharge of the insured.

Room Rent

Room rent is charged for hospital room and boarding expenses, including the associated medical expenses.

How to Check Star Health Insurance Policy Details After Purchase?

You can check Star Health policy details online and offline by following the given methods:

Online Process

Through the Official Website of Star Health Insurance

Visit the “Star Health Insurance” official website.
Click on "Sign in" in the top right corner.
Select “Retail Customer” from the drop-down menu.
The next screen will show you a section where you need to enter your registered email address, user ID, mobile address and password.
Then, go to the "My policies" section.
Select the specific policy you want to download.
Here you can review all the Star Insurance policy details.
Click on "Download Policy Document" and save the PDF file.

Through Star Health Insurance Customer Care

Call Star Health Insurance Customer Care at 1800 425 2255 / 1800 102 4477 (Mon-Sat, 10 am-7 pm IST).
Tell them your policy number and personal information.
Request them to email a copy of the document with your Star Health policy details.

Through RenewBuy

Connect with your RenewBuy Partners.
Tell them your policy number and request a Star Health Policy Document copy.
They will send you a link or email you your Star health policy document in PDF format.

Offline Process

Visiting the Star Health Insurance Branch

Locate your nearest Star Health Insurance branch office.
Visit the branch during business hours.
Explain your request to a representative and provide your policy number and personal information.
They will assist you in printing a copy of your policy document, which will consist of all the Star insurance details.

Exclusions Under Star Health Insurance Policy

The following conditions are not covered under the Star Health Insurance policy and may restrict you to gain pre-defined benefits:

Any pre-existing diseases before the completion of the waiting period
Any specific diseases claimed before the expiry of the waiting period
Rest cure, rehabilitation and respite care
Obesity and weight control surgeries
Change of gender treatments
Injuries due to participation in hazardous or adventure sports
Drug or substance abuse or addictive conditions
Unproven treatments
Sterility and infertility treatments
Medical expenses due to war or similar conditions

Note that the exclusions under Star Health Insurance policies can vary from plan to plan. We recommend you review the Star Health policy details to avoid claim denials or delays in the future.

Final Words

Having a clear understanding of Star Health Insurance policy details before purchase can help you reduce the chances of denial and delays during medical emergencies. Taking the time to go through the policy details critically helps in getting the maximum of the benefits at an affordable cost.

Keeping track of Star health policy details after purchase makes it easy to renew it on time and customize it according to your changing medical circumstances and those of your family.

If you want to learn any specific Star Health Insurance plan details, contact RenewBuy Partners.