The Star Health Premier Policy is a flexible health insurance solution designed to cater to the diverse needs of individuals and families. It's for those over 50 and dependent children aged 3 months to 25 years. This policy offers extensive benefits, ensuring optimal medical care and financial protection during health emergencies. This page will explore the coverage benefits, eligibility criteria, coverage options after the waiting period, exclusions, and the claim process for the Star Health Premier Policy.
Highlights of Star Health Premier Insurance Policy
Below are the specifications of the Star Health Premier Insurance Policy from Star Health Insurance:
| Particulars | Specifications |
|---|---|
| Entry Age | For Adults: 50 Years to No Limit For Child: 91 days to 25 years |
| Renewability | Lifelong |
| Policy Type | Individual and Family Floater |
| Sum Insured | INR 10 Lakh, INR 20 Lakh, INR 30 Lakh, INR 50 Lakh, INR 75 Lakh, INR 1 Crore |
| Policy Term | 1 Year |
| Pre-medical Test | Yes |
| Waiting Period for Pre-Existing Disease | 24 months |
Eligibilities to buy Star Health Premier Insurance Policy
Below is the eligibility of the Star Health Premier Insurance policy:
- Individual
- Family Floater
Entry Age: 50 Years to No Limit (For Adults)
Entry Age: 50 Years to 65 years (For Adults), 91 Days to 25 Years (For Children)
Policy Term: 1,2,3 Year
Policy Term: 1 Year
Coverage Benefits Offered Under Star Health Premier Insurance Policy
Star Health Premier Insurance Policy offers comprehensive coverage benefits to protect individuals and families from healthcare expenses. Here are the significant coverage benefits provided by the policy:
| Coverage Benefits | 10 Lakhs to 1 Crore |
|---|---|
| Room Rent | Covered up to 1% of SI or a maximum of up to INR 20K per day |
| OPD Expenses | Covered |
| Home Care Treatment | Covered up to 10% of SI subject to a maximum of INR 5 Lakh |
| ICU Charges | Covered |
| Pre-Hospitalization | Covered up to 60 Days |
| Post-Hospitalization | Covered up to 90 Days |
| Daycare Treatments | All Daycare Treatments Covered |
| Domiciliary Treatment | Covered |
| Cataract | Covered |
| No Claim Bonus | Available up to 20% of SI subject to a maximum of 100% of SI |
| Automatic Restoration | Available up to 100% of SI |
| Organ Donor | Covered |
| AYUSH Treatment | Covered up to SI |
| Modern Treatment | Covered up to 50% of SI |
| Ambulance Cover | Covered |
| Air Ambulance | Covered |
| Co-Payment | 20% on every claim for insured aged above 65 years |
| Bariatric Surgery | Covered |
| Health Check-up | Available up to INR 10K |
Star Health Premier Policy Exclusion
Below is the list of diseases and conditions that the Star Health Premier Policy does not cover:
- Obesity / Weight Control
- Change-of-Gender treatments
- Cosmetic or plastic Surgery
- Hazardous or Adventure sports
- Breach of law
- Treatment for drug, alcoholism, or substance abuse or any addictive condition
- Refractive Error
- Unproven Treatments
- Sterility and Infertility
- Maternity
- Circumcision
- Congenital External Conditions / Defects / Anomalies
- Intentional self-injury
- Injury/disease caused by or arising from or attributable to war, invasion, the act of a foreign enemy, war-like operations
- Inoculation or Vaccination
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
- Listed Ailments: 24 months
- Pre-existing Diseases: 24 Months
- Initial Waiting Period: Initial Waiting Period: 30 Days
- Bariatric Surgery: 24 months
- Hospice Care: 24 months
Star Health Premier Insurance Policy Additional Benefits
Star Health Premier Policy offers additional benefits to enhance policyholders' overall protection and convenience. These additional benefits include:
Star Wellness Program
The Star Arogya Sanjeevani Health Insurance Policy rewards the insured's healthy lifestyle through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. The discount on premiums offered by the Wellness Program is displayed in the following table:
| Wellness Points | Discount in Premiums |
|---|---|
| 200 to 350 | 2% |
| 351 to 600 | 5% |
| 601 to 750 | 7% |
| 751 to 1000 | 10% |
Talk to Star
The insured can get a free consultation from specialist doctors by phone, chat, or video call by dialling 7676905905.
COVID-19 Helpline
Insured persons can get free COVID-19 consultations from Star Health Insurance health experts between 8 AM and 10 PM. Just call them at 7676905905 in case of COVID-19.
E-Pharmacy
Insured persons can order medicines online at discounted prices. Star Health Insurance has various medicine stores across 2,780 cities, offering home delivery and store pickup.
Diagnostics Centers
Insured persons can access 1,635 diagnostic centres across the country. Star Health Insurance also provides home pickup of lab samples and health checkups to the insured person at the doorstep facility.
Cataract Treatment
The Star Health Premier Plan covered the expenses incurred on treatment of Cataracts subject to the limit as per the following table:
| Sum Insured Amount | INR 10/ 20/ 30 Lakh | Above INR 50 Lakh |
|---|---|---|
| Limit per eye (INR) | INR 50K | INR 60K |
| Limit per policy year (INR) | INR 80K | INR 1 Lakh |
Air Ambulance
The Insured Person is eligible for reimbursement of expenses incurred towards the cost of air ambulance service up to INR 2.5 Lakh per hospitalization and a maximum of upto INR 5 Lakh per policy year.
Bariatric Surgery
The insured person can get the hospitalisation expenses incurred for bariatric surgery and their complications subject to the limits mentioned in the table below after a waiting period of 24 months (inclusive of pre-hospitalization and post-hospitalization expenses).
| Sum Insured (INR) | Limit Per Policy Period (INR) |
|---|---|
| 10 Lakh and 20 Lakh | INR 2.5 Lakh |
Health Check-up Benefit
The insured can avail free health checkup on renewal for each claim-free year up to the limit mentioned in the table below:
| Sum Insured (INR) | Individual Sum Insured | Family Floater Sum Insured |
|---|---|---|
| INR 10 Lakh | INR 3K | INR 4K |
| INR 20 Lakh | 4K | INR 6K |
| INR 30 Lakh | INR 4.5K | INR 6.5K |
| INR 50 Lakh | INR 5K | INR 7.5K |
| INR 75 Lakh | INR 7K | INR 10K |
| INR 1 Crore |
The list of checkups offered in this benefit are:
- Stress ECHO Report /TMT (done under guidance)
- BP Report (3 readings)
- Fasting Blood Sugar (FBS) and HbA1C
- Blood urea & creatinine
- Complete Urine Examination (CUE)
Outpatient Medical Expenses
The plan offers coverage for expenses incurred for outpatient treatment up to the limits mentioned in the table below from day 1.
| Sum Insured (INR) | Individual Sum Insured | Family Floater Sum Insured |
|---|---|---|
| INR 10 Lakh | INR 3K | INR 4K |
| INR 20 Lakh | INR 4K | INR 6K |
| INR 30 Lakh | INR 4.5K | INR 6.5K |
| INR 50 Lakh | INR 5K | INR 7.5K |
| INR 75 Lakh | INR 7K | INR 10K |
| INR 1 Crore |
Talk to Star
The insured person can get a free consultation from specialist doctors through phone, chat or video call by dialling 7676905905.
COVID-19 Helpline
Insured persons can get free COVID-19 consultation from star health insurance health experts between 8 AM and 10 PM. Just call them at 7676905905 in case of Covid 19.
E-Pharmacy
Insured persons can order medicines online at discounted prices. Star Health Insurance has various medicine stores across 2,780 cities, offering home delivery and store pick-up.
Diagnostics Centers
Insured persons can access 1,635 diagnostic centres across the country. Star Health Insurance also provides home pickup of lab samples and health checkups to the insured person at the doorstep facility.
