Compare Star Health and Allied Insurance Plans

Star Health and Allied Insurance Company

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 5 months - 65 years

Basis

Floater

Sum Assured

Rs.5 lakhs to Rs.25 lakhs

Premium Charges

Rs.9,180 to Rs.2,56,770

Reinstatement of sum insured

Up to 100%

Bonus

up to 50% on minimum sum assured of Rs.5 lakhs

Covers

  • Delivery Cover
  • Out-patient treatment 
  • Pre-Existing Diseases
  • 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
  • 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 5 months to 65 years

Sum assured

Rs.1 lakh to Rs.15 lakhs

Premiums charged

Rs.3,890 to Rs.34,700
The premium depends on sum assured, family size, age and zone

Bonus

15% to 35% depending on the basic sum assured

Reinstatement of sum assured

100% for cover of Rs.3 lakhs and above

Co-payment

20% of all claims for the members insured of ages 61 to 65 years

Covers

  • Cataract surgery
  • Ambulance charges
  • Pre-Existing diseases
  • 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.5 lakhs

Premium charges

Rs.4,450 to Rs.18,000 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
  • ICU/Nurse/Specialist/Consultation/Surgeon charges
  • Cardiovascular diseases/Cancer/Bone breakage
  • other major surgeries
  • Post-hospitalization expenses
  • Ambulance charges

Star Super Surplus

This insurance plan provides protection and benefits which are better than that of other insurance companies. It is available for both individual customers and families.

Entry Age 5 months to 65 years

Basis

Individual or  Family Floater

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.15,000

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

Star Criticare Plus

This 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
  • Ambulance charges
  • Pre/Post-hospitalization charges
  • Day-care treatment as mentioned

Star Cardiac Care

As 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.19,000 to Rs.30,000 (new policies) 
Rs.29,900 to Rs.37,000 (renewals)

Discounts

5% for 2 member and below
10% above 2 members

Medical screening

Needed for all customers

Co-payment

10% of claims for all insured parties above 60 years.

Covers

  • Gold Plan: Medical treatment for illnesses/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.26,540

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
  • Ambulance charges
  • Day-care procedures as mentioned

Star Wedding Gift

For 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
  • 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
popup close button
Looking for an insurance policy? Get Instant Quotes from 44+ insurers Click Here
popup close button
I want to insure
Adult(s)
{{adulterrortext}}
Child(ren)
{{childerrortext}}
Where eldest member is
Male Female
With date of birth
/ /
Enter Age More than 18 years
Living in
{{item.cityname}} Loading your City ... This is Required
Enter Your name
Enter Your Name
Enter Your email
Enter Your Email Id
Mobile No.
Enter Your 10 digit Number
OTP