What is Covered By Star Health Insurance?

Star health insurance is one of the best health insurance companies in India. It offers numerous coverage benefits, from hospitalisation expenses to daycare, ambulance, alternative medicines, and everything essential for healthcare. It provides coverage for up to 9 members in a family, 6 adults and 3 children.

This article will discuss all the types of plans, their coverage, benefits, and limitations. To know more, read the article in detail-

Types of Plans Offered by Star Health

There are two types of basic policies: Individual sum insured and Floater sum insured. However, some policies are based on specific diseases or emergencies, etc.  

Top Star Health Insurance Plans

These plans are designed to provide different types of health protection in various situations and persons. Some of the top star health insurance plans are -

1. Star Health Assure Insurance Policy

• One plan covers all family members (6 Adults and 3 Children, including self, spouse, parents, and parents-in-law). 
• It offers automatic restoration of the sum an unlimited number of times and a maximum of up to 100% each time. 

2. Star Comprehensive Insurance Policy

• It offers mid-term inclusions and works best for newly married couples or with newborn children.

• It also offers 100% of the basic Sum Insured restored once in a policy year and options coverage for pre-existing diseases. 

3. Star Women Care Insurance Policy

• It provides multi-fold benefits for women, covers delivery expenses for normal and C-sections, and offers pre- and post-natal coverage. 

• It also offers 100% automatic restoration of the sum Insured once in a policy period.  

4. Smart Health Pro

• It covers AYUSH treatment hospitalisation costs and needs no pre-insurance screening to make this policy available.

• 100% automatic restoration of the sum Insured is available once in a policy period.

5. Super Surplus Insurance Policy

• It offers health coverage with affordable premium options and Sum Insured at no additional cost.

• It also offers a 5% premium discount after 2 years of holding this plan. 

6. Family Health Optima Insurance Plan

• This plan is specially designed to provide coverage of road traffic accidents. 

• It offers additional indemnity once in a policy year on exhaustion of the coverage limit.

7. Star Hospital Cash Insurance Policy

• It is designed to provide daily cash benefits for incidental expenses on hospitalisation.

• It offers up to 200% of the hospital cash amount for ICU hospitalisation and 150% for accidents per day.

8. Star Health Premium Insurance Policy

It is specially designed for people aged 50 years without any maximum age limit and who need no pre-insurance screening to avail of this policy.

9. Aarogya Sanjeevani Policy, Star Health and Allied Insurance

• It offers a 20% discount on premiums for the rural population and 50% of the Sum Insured for modern treatments. 
• It also provides coverage for hospitalisation expenses for AYUSH treatments. 

10. Senior Citizens Red Carpet Health Insurance Policy

• It is designed for senior citizens (60 – 75) years.

• It provides coverage for medical consultations of outpatients at Network Hospitals, and no pre-insurance screening is required to avail of this policy.

11. Diabetes Safe Insurance Policy

• It is designed to cover diabetic patients of type-1 and type-2. 

• It provides coverage for you or your spouse if they have diabetes.

12. Star Health Gain Insurance Policy

It provides coverage for in-patient hospitalisation and outpatient expenses at any Networked hospital.

Things Covered Under Star Health Insurance Policies

Generally, star health insurance policies are designed to provide coverage in every situation. Let’s see their coverages- 

Hospitalisation coverage:

• Room, boarding, nursing expenses
• Surgeon, anaesthetist, medical practitioner, consultants' fees
• Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances
• Medicines, drugs, diagnostic materials, X-rays, dialysis, chemotherapy, and radiotherapy are available.
• Cost of a pacemaker, stent, and similar expenses. 

Daycare procedures:

Cost of all-day dare procedures

Pre and post Hospitalisation:

60 days pre-hospitalisation and 90 days post-hospitalisation.

Ambulance Charges:

Ambulance Charges the insured person to go to the hospital and even transport from one hospital to another for better medical treatment and medical reasons. 

Air Ambulance:

Cover the cost of air ambulance service up to 10% of the sum insured per policy year.

Organ Donor Expenses:

Cover the medical expenses for harvesting the organ from the donor for organ transplantation.

AYUSH Treatment:

In-patient hospitalisation expenses for AYUSH treatments up to the sum insured.

Rehabilitation and Pain Management:

• Expenses for rehabilitation and pain management treatment when limiting the domiciliary hospitalisation.
• All the medical expenses for home treatment are on the advice of the attending medical practitioner.

All this coverage provides intensive benefits to healthcare insurance. However, Star Health Insurance offers many more coverages to meet unique needs. 

Exclusions and Limitations of Star Health Plans

Star Health plans have some rules and regulations of exclusions and limitations. 

They are included-  

1. Pre-Existing Diseases (PED)

• All the expenses for a pre-existing disease are excluded until the expiry of 36 months of continuous coverage.
• However, this exclusion will only apply to an insured person with constant coverage for up to 12 months.

2. Waiting Periods

• It is excluded if any illness occurs within the first 30 days from policy inception.
• Specified illnesses like gallbladder stones, kidney stones, hernias, etc., will not get coverage for the first year.
• Specified illnesses like cataracts, ENT diseases, etc., are excluded for the first two years.

3. Other Exclusions

• Expenses related to any admission, primarily for diagnostics and evaluation purposes only, are excluded.
• Expenses related to any admission, primarily for enforced bed rest and not for receiving treatment, are excluded.
• Expenses related to the surgical treatment of obesity are excluded unless certain conditions are met.
• Expenses related to diseases of the cervix, uterus, fallopian tubes, Ovary, uterine bleeding, and pelvic inflammatory diseases are excluded. 
• All types of transplants and related surgery expenses (Other than Bone marrow transplants for acute haematological malignancies and acute medical emergencies are excluded.
• Expenses related to any treatment to change characteristics of the body to those of the opposite sex are excluded.
• Expenses for cosmetic or plastic surgery are excluded unless for reconstruction following an accident, burn, cancer, etc.
• Expenses of the treatment for alcoholism, drugs, or any addictive condition are excluded. 
• Expenses related to unproven treatment, services, and supplies for or in connection with any treatment.
• Any expenses related to sterility, infertility, and advanced reproductive technologies such as IVF, ZIFT, GIFT, and ICSI are excluded.

Limitations

• Robotic surgeries, stereotactic radio surgeries, etc., have limits per policy period based on the sum insured.
• Expenses related to any treatment hazardous or adventure sports have some limitations.

• The policies are subject to all limits, sub-limits, co-payments, and deductibles per the policy contract.

Additional Benefits and Riders by Star Health Insurance

Star Health insurance also offers additional benefits and riders for their policyholders. All these are specially designed to meet the needs of each type of insurance, so let's see the extra benefits and riders- 

Additional benefits- 

• This covers maternity expenses for both normal and C-sections. Also covers some pre and post-natal care.

• Provide outpatient treatments like vision and dental care. 

• Provide additional lump sum payments for some critical care treatments like cancer, kidney, and heart problems, etc.

• It also gives policyholders access to free telemedicine consultations.

• It also encourages some wellness programs to maintain good health.

Riders 

• It covers 10% of the sum insured money for homecare treatment.

• It provides coverages for non-medical items under the base policy.

• Offers the cumulative bonus in the renewal if the policy remains unused.

• Give coverages for some modern treatments like robotics surgery.

• It also covers alternative treatments like Ayurveda, Unani, Siddha, homoeopathy, etc. 

• It offers an extra discount in case policyholders apply for deductibles. 

All these plans offer numerous benefits to policyholders in any case of medical emergencies.

FAQs

Ques 1. What is the rank of Star Health Insurance in India?

Ans. Star ranks as one of the best health insurance companies in India. It ranks top on the list, offers 1400+ network hospitals, and has a 99.06% Claim settlement ratio. 

Ques 2. Is it reasonable to buy Star Health?

Ans. Star Health Insurance offers maximum benefits to its customers in an affordable way. It introduces an online renewal process that makes it easy to continue the plans.

Ques 3. Who is the owner of Star Health Insurance?

Ans. V Jagannathan is the founder and owner of Star Health and Allied Insurance Company.

Ques 4. Can we buy Star Health Insurance without an agent?

Ans. Star Health Insurance can easily be purchased without an agent. The best way to buy it is online, where you can choose from a broader range of options.