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Star Health and Allied Insurance

Star Health and Allied Insurance

There is so much choice in Insurance. Getting the best deal is far more easier now, thanks to comparison options available online.

Star Health and Allied Insurance Company

Star Health and Allied Insurance Co Ltd is a joint insurance company between Oman Insurance Company UAE, several conglomerate NRIs and an Indian company which is run by successful businessmen.
Star Health Insurance was the first company to start a special policy for customers suffering from Cardiac ailments. It is one of of the leading private health insurance companies in India. It has a wide network of 6,000 hospitals. The company has an outstanding reputation for its standout claim-settlement procedure.

Key Advantages And Features

Star Health Insurance Plans has a wide variety of insurance Policy to protect their customer’s financial position in case there is a medical emergency. This company has plans customised specifically to meet the necessities of individuals, families, senior citizens and rural population.

All the insurance plans cater to meet the different medical expenses of policyholders. All of them have several advantages such as direct, fast and simple settling of claims, cashless amenities and free telephonic medical advice 24x7.

Product Plan Details

Star Comprehensive Insurance Policy

Star Comprehensive Insurance Policy provides insurance for inpatient treatments and some outpatient treatments also. It offers cover for the health care expenses of expectant and new mothers.

Entry Age 3 months - 65 years
Basis Floater
Sum Assured Rs.5 lakhs to Rs.25 lakhs
Premium Charges Rs7015 for IA for sum assured of Rs.500000 (3m - 35) as per brochure
Reinstatement of sum insured Up to 100%
Bonus Minimum bonus is 50% of sum assured and maximum is 100%
Covers
  • Delivery Cover After 36 months of waiting period
  • Out-patient treatment 
  • Pre-Existing Diseases (After 48 months of continuous coverage)
  • Daily cash for hospital expenses
  • Health-check expenses
  • Ambulance charges
  • Day-care treatments

Medi Classic Insurance
Medi Classic Insurance plan covers all your medi-care expenses. It also includes cover for non-allopathic treatment. You can also enhance your plan by adding rider packages.

Entry Age 5 months to 65 years
Medical Screening Needed for policyholders above 50 years
Policy Period 1 year
Discounts 5% for 2 years advance premium payments
Sum Assured Individuals plan: Rs.1.5 lakhs to Rs.15 lakhs
Family Package Plan: Rs.2 to 3 lakhs
Annual Premium Charges

Individuals 
Family Package Plan



Individual plan: Rs.2,510 to Rs.88,170
Family plan: Rs.4,460 to Rs.7,805
Two-Year Premium Charges:




Individuals: Rs.4,769 to Rs.1,67,523
Family Plan: Rs.8,474 to Rs.14,830
Reinstatement of sum assured Up to 100%
Bonus 5% - 25% of basic sum insured annually
Covers
  • Pre-existing diseases After 48 months
  • Non-allopathic treatment
  • Day-care treatment
  • Pre and Post- hospitalization expenses
  • Health-Check Expenses

Star Family Health Optima
This is a comprehensive insurance plan which provides protection for the entire family.

Entry Age 16 days to 65 years
Sum assured Rs.1 lakh to Rs.25 lakhs
Premiums charged Rs.3,890 to Rs.34,700
The premium depends on sum assured, family size, age and zone
Bonus 25% and above as per brochure, subject to maximum 100%
Reinstatement of sum assured 100% for cover of Rs.3 lakhs and above
Co-payment 20% of all claims for the members (above 60 years)
Covers
  • Cataract surgery
  • Ambulance charges
  • Pre-Existing diseases (After 48 months)
  • Pre and Post-hospitalization expenses
  • Day-care expenses

Senior Citizen's Red Carpet
Senior citizens require insurance more than the youth because they have higher chances of having age-related illness and they have limited income sources. Star Health Insurance takes care of their needs through this plan which offers sufficient and affordable coverage. It also provides them with additional benefits.

Entry Age 60 to 75 years
Renewals Guaranteed after 75 years
Sum assured Rs.1 lakh to Rs.10 lakhs
Premium charges Rs.4450 to Rs. 22500 depending on the basic sum insured
Discount 5% upon meeting the criteria mentioned at the time of application process
Medical screening Not required.
Treatment Offered at any network hospital
Co-payment 50% for pre-existing disease claims
30% for other claims
Covers
  • Every kind of pre-existing disease (After 12 months from commencement of policy)
  • ICU/Nurse/Specialist/Consultation/Surgeon charges
  • Cardiovascular diseases/Cancer/Bone breakage
  • other major surgeries
  • Post-hospitalization expenses
  • Ambulance charges

Star Super Surplus 'Silver' Plan
This insurance plan provides protection and benefits which are better than that of other insurance companies. It is available for both individual customers and family or floater.

Entry Age 5 months to 65 years
Basis The details in this table pertain to 'Silver' Plan only.
Sum assured Rs.7 lakhs to  Rs.10 lakhs
Premium charged Individuals: Rs.3,000 / Rs.4,000
Family: Rs.5,700 / Rs. 4,300
Mandatory deductibles Individuals: Rs.3 lakhs
Family: Rs.3 lakhs or Rs.5 lakhs
Cover ICU/diagnostic/medicine/consultation charges

Star Super Surplus ‘Gold’ Plan
This insurance plan provides protection to your family in case of any unforeseen circumstances. For those looking for a comprehensive health insurance plan, this is the right plan. It covers for expenses of air-ambulance, absence of room rent cap, etc. at affordable premiums .

Entry Age Minimum – 18 years
Maximum – 65 years
Basis Individual or Floater
Sum assured Minimum – Rs 5 lakhs
Maximum – Rs 25 lakhs
Premium charged Rs 800 and Rs 30,450
Co-payment 10% of claim amount for policyholder with entry age over
60 years
Covers
  • Hospitalisation charges  
  • air ambulance cover
  • surgeon/consultant fees
  • medicine costs
  • operation theatre expenses
  • second opinion costs

Star Health Gain

Entry Age 5 months to 65 years
Basis Individual or Floater
Medical screening Needed for insured members above 50 years
Premium charged Rs. 15000 to Rs. 30000 (excluding tax) based on option chosen
Discount 10% no-claim bonus upon renewal.
Covers
  • Outpatient treatment within limits
  • Ambulance charges
  • Pre/Post-hospitalization expenses
  • Day-care procedures as specified
  • Pre-existing diseases (After 48 months coverage)

Star Criticare PlusThis policy provides policyholders cover against all major medical emergencies including many severe diseases.

Entry Age 18 to 65 years
Basis Individual
Sum assured Rs.2 lakhs to Rs.10 lakhs
Premiums charged Rs.3,750 to Rs.35,350
Discounts: 5% for 2 members and below
10% above 2 members
Medical screening Needed for customers above 50 years
Co-payment 30% of claims for insured parties above 60 years
Covers
  • Most of the major diseases are covered along with the regular plan
  • Non-allopathic procedures
  • Pre-existing diseases (After 48 months)
  • Ambulance charges
  • Pre/Post-hospitalization charges
  • Day-care treatment as mentioned

Star Cardiac CareAs the name suggests, this plan provides cover against expenses incurred by cardiac diseases and their treatment. This comprehensive insurance plan also provides several other health benefits.

Entry Age 10 to 65 years
Sum assured Rs.3 or 4 lakhs
Premiums charged Rs.18,000 to Rs.57,400
Discounts 5% for 2 member and below
10% above 2 members
Medical screening No pre-acceptance screening but past medical records have to be submitted
Co-payment 10% of claims for all insured parties above 60 years at entry level
Covers
  • Gold Plan: Medical treatment for illness/accidents; cardiac surgeries and cardiac medical management
  • Silver Plan: All inclusions of Gold Plan except cardiac medical management

Pre-existing diseases, Ambulance charges, Pre/Post-hospitalization expenses, Day-care treatment

Star Unique Health

Entry Age 18 to 65 years
Basis Individual.
Policy period 2 years
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 instalments
One at inception
Second at beginning of 2nd policy year
Medical screening Not required
Covers
  • HIV + persons
  • Non-allopathic treatment
  • Pre/Post-hospitalization expenses
  • Pre-existing diseases (After 11 months)
  • Ambulance charges
  • Day-care procedures as mentioned

Star Wedding GiftFor a successful and happy future, a healthy married life is necessary. This plan makes sure you have a happy and healthy married life.

Entry age (for couples) 18 to 40 years
Basis Floater
Premium payment:

One year: Rs.10,305 to Rs.15,310 
Two year: Rs.18,550 to Rs.27,650
Policy period 1 or 2 years.
Medical screening Not required.
Covers
  • Delivery cover: Up to 2 deliveries
  • pre-post natal expenses
  • Non-allopathic treatment
  • Pre-existing diseases (After 48 months)
  • Pre and Post-hospitalization expenses
  • Ambulance charges
  • Day-care procedures as mentioned

Star Family Delite

Entry age 5 months to 65 years
Basis Floater
Sum assured Rs. 2 or 3 lakhs
Premium charged Rs.2,800 to Rs.33,100
Extra premium for one more child under Rs.3 lakhs cover: Rs.1000
Medical screening Needed for customers above 50 years
Covers
  • Specific diseases within limits
  • Pre-existing diseases, ICU charges
  • Ambulance charges subject to limits
  • Day-care treatment as specified
  • Pre and Post-hospitalization expenses
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