Star Health Insurance Benefits

Whenever you plan to buy a health insurance policy, it is important that you go through the policy features in detail. Listed below is the gist of the top features of Star Health Insurance:

• Total Sum Insured: You get an option to get up to INR 2 crore sum insured with your Star Health Insurance policies.
• Claims Paid: The total number of amounts paid for the claims settled in the Fiscal Year 2023 by Star Health is 14.70+ lakh.
• Total Number of Network Hospitals: Being one of the oldest health insurers in the industry, Star Health has a huge alliance of network hospitals. Currently, Star Health Insurance has more than 14000 network hospitals where the policyholders can get their treatment done.
• Add Ons: Just like any other insurer, Star Health Insurance also has various add ons to choose from. However, some of its unique add ons are Star Extra Protect, Home Care Treatment, Star Surplus Insurance Policy and Mid-term Inclusion.
• Critical Illness Cover: With Star Health, policyholders have an option to get covered for 37 specified critical illnesses. You get lump sum cover within the critical illness plans.

The top 5 benefits of choosing a Star Health Insurance Policy are as follows:

• Cumulative Bonus: When your sum insured amount is of INR 5 lakh or less, then your cumulative bonus is 50% of the basic sum insured for each claim free year. This cumulative bonus is 100% of the basic sum insured for each claim free year if your sum insured is INR 7.5 lakh and above.
• Tax Benefits: When you buy a health insurance, you also get to avail tax deduction benefits under Section 80 D of the Income Tax Act 1961. You are eligible for these tax deductions irrespective of the fact whether you are paying the premium price for yourself or any other family member.
• Payment Instalment Facility: Star Health has one of the most convenient payment options available in the market. Payment for your Star Health Insurance policy can be done quarterly, half yearly, yearly, biennial or triennial.
• Lump Sum Cover Provision: In case the policyholder is diagnosed with a critical illness (37 illnesses listed in the policy document), then Star Health provides a lump sum amount on the first diagnosis. Note that the waiting period for attaining this amount in case of a critical diagnosis is 90 days.
• Star Wellness Program: If you are someone who lives a healthy lifestyle and follows a regime, you can get wellness reward points and discounts at the time of your policy renewal with Star Health. You can avail up to 20% during renewing your policy and no room rent limit in case you take a policy where the sum insured is INR 10 lakh and above.

Ques 1. What was Star Health Insurance started?

Ans. Star Health & Allied Insurance Company Limited was established in the year 2006 in Chennai, Tamil Nadu.

Ques 2. What is a lump sum cover provision in Star Health Insurance?

Ans. Under the lump sum cover provision, if the policyholder gets diagnosed with a critical illness which is listed in the 37 critical illnesses covered by Star Health, then the policyholder will get a lump sum amount for the same. Two conditions to keep in mind - the amount is released only on the first diagnosis, and the waiting period for getting this benefit is 90 days.

Ques 3. Do we get any tax benefit on taking health insurance?

Ans. Yes, when you buy a health insurance plan, you get tax deduction benefits under Section 80 D of the Income Tax Act of 1961.

Ques 4. What is the Star Wellness Program?

Ans. The Star Wellness Program is an initiative by Star Health Insurance for the policyholder where the policyholders get points for staying fit. With the help of these points, the policyholder can avail up to 20% discount while renewing their health insurance policy. The policyholder also gets to avail no limit on the room rent of the hospital in case their policy’s sum insured is above INR 10 lakh.

Ques 5. What are the exclusions under Star Health Plans?

Ans. There are several exclusions to keep in mind under Star Health Insurance Plans, they are: obesity and weight control treatments, alcohol and drug addiction treatments or therapy, plastic or cosmetic surgeries, congenital external defects, self injury or intentional harm, infertility treatment or sterility procedures taken outside of India, dietary supplements, vaccination or inoculation, etc. To read the entire list, please read the policy wordings carefully.

Ques 6. I am 21 years old, do I need to go through a medical test to buy a Star Health policy?

Ans. No, you do not require to undergo any pre-medical check ups in case you are young. The age limit for this is 18 to 40 years. Note that if you are young and you do have a pre-existing condition, please make sure you inform your insurer of the same. In this case, a medical check up may be done to ensure that you get a better coverage based on your current health status.

Ques 7. What is the customer support number for Star Health Insurance?

Ans. The customer support number for Star Health Insurance is 18004252255

Ques 8. What is the email ID to connect with the Star Health Insurance team?

Ans. To connect with a Star Health Insurance customer support team or to raise a query, you can email on support@starhealth.in

Ques 9. Does any Star Health Insurance policy cover expenses on Outpatient Treatment?

Ans. Yes, Star Health Gain Policy covers the reimbursement for the expenses incurred for outpatient treatments. Please make sure you read the terms and conditions of the policy, and claim carefully.

Ques 10. Can I cover my 3 year old child in Star Health Policy?

Ans. You can cover your child in a policy with either of the parents as children are not covered individually under Star Health Insurance.