About Star Health Insurance coverage
Star Health insurance and Allied Insurance coverage Co. Ltd. is India’s first Standalone Health Insurance coverage supplier which commenced its enterprise in 2006. At this time, the corporate has change into a market chief which gives a number of insurance coverage merchandise together with Health, Private Accident, and Abroad Journey Insurance coverage, and many others., thereby fulfilling the various wants of various sections of society. It’s also prominently into bancassurance with long-standing relationships with a number of Indian banks. With greater than 10,600 workers and 550 branches throughout the nation, Star Health Insurance coverage has change into a famend identity within the Indian insurance coverage business. One of the promising segments that the corporate offers are Health Insurance coverage.
Star Health Insurance coverage gives a variety of reasonably priced medical insurance merchandise for people, households, and corporates. The plans cowl the insured for medical check-ups, AYUSH techniques of medicines, essential diseases, and hospitalization bills. Additionally, now you could find coronavirus protection beneath medical insurance plans supplied by Star Health Insurance coverage. The corporate additionally gives medical insurance plans for autistic kids which makes its choices distinctive. One of the many main advantages of shopping for a Star Health Insurance policy is that no co-payment is required for people under 60 years of age.
The best way to Purchase Star Health Insurance coverage Coverage at InsuranceDekho?
You should buy Star Health Insurance policy in two modes at InsuranceDekho, particularly online and offline modes. Learn the steps beneath:
Purchase Star Health Insurance coverage Plan online at the Star health website
Step 1: Go to insurancedekho.com and click on on the ‘health’ tab.
Step 2: Choose your gender. Fill in your Identify and Cell Quantity. You’ll obtain a Time Password on the entered quantity. Please enter that.
Step 3: Tell us ‘When do you need to purchase the coverage by selecting a choice from the drop-down listing. Click on on ‘View Quotes’.
Step 4: Choose the relations you need to embrace beneath the medical insurance plan. Click on the ‘Proceed’ button.
Step 5: Choose the age of the chosen relations.
Step 6: Enter your E-mail ID and Metropolis. Click on the ‘Submit and View Quotes’ button. You will note probably the most appropriate quotes for you on the display screen. Click on the one you want to purchase.
Step 7: Choose the coverage interval for the chosen medical insurance plan. Enter the required particulars and make the cost.
Purchase Star Health Insurance coverage Plan Offline at InsuranceDekho
To purchase Star Health Insurance coverage offline, speak to our buyer care consultants on the toll-free quantity 7551-196-989 any day (we can be found all 7 days!) between 9:30 AM to six:30 PM.
Be at liberty to jot down to us at email@example.com in case of any question or assistance required.
High Star Health Insurance coverage Plan Varieties
Star Health Insurance policy cowl you in opposition to most of your medical bills in case of any sickness, illness, illness, or accident. Following are the highest 5 plans supplied by Star Health Insurance coverage:
1. Star Household Health Optima Coverage: Household Health Optima by Star Health Insurance coverage covers you and your total household beneath a single sum insured. You may take this coverage if you’re aged between 18 years and 65 years and reside in India. The coverage gives you a lot of advantages together with cowl for air ambulance, pre-hospitalization, and post-hospitalization bills, in-patient hospitalization bills, and many others. which you’ll avail for sum insured choices ranging between Rs. 1 lakh and Rs. 25 lakh.
2. Star Complete Health Insurance coverage: Star Complete Coverage covers you if you’re aged between 3 months and 65 years. The most effective half about this plan is that it comes with no sub-limit or capping. Additionally, it covers you in opposition to bills associated with outpatient medical sessions and domiciliary hospitalization along with covers for daycare procedures, pre-hospitalization, and post-hospitalization bills, air ambulance bills. You may select sum insured choices between Rs. 5 lakh and Rs. 25 lakh beneath this coverage.
3. Star Medi Basic Insurance coverage: Medi Basic Insurance coverage Coverage is a person’s medical insurance coverage that covers you in opposition to hospitalization bills arising attributable to any sickness, illness, illness, or accident. You will be lined beneath this coverage if you’re aged between 5 months and 65 years. The plan gives a number of protection options together with cowl for daycare remedies, health check-ups, non-allopathic remedies, in-patient hospitalization cowl, and ambulance costs. You may select add-on advantages of hospital money and affected person care beneath this plan. HIV-positive people are additionally eligible to purchase this coverage.
4. Star Senior Residents Purple Carpet Health Insurance coverage: Senior Residents Purple Carpet Insurance coverage Coverage is specifically designed to preserve in thought the necessities of senior residents. The coverage gives lifelong renewals and will be bought by anybody who’s aged between 60 years and 75 years. You should buy this coverage on a person or floater sum insured foundation and select from the sum insured choices ranging between Rs. 1 lakh and Rs. 25 lakh. Out there for phrases of 1, 2, and three years, the coverage gives you a lot of advantages compared to lifelong renewals, cowl for hospitalization bills, health check-ups, pre-hospitalization, and post-hospitalization bills, and emergency hospitalization bills.
5. Younger Star Insurance coverage: Out there on a person and floater foundation, the Younger Star coverage by Star Health Insurance coverage covers people aged between 18 years and 40 years for a sum insured ranging between Rs. 3 lakh and Rs. 1 crore. The coverage is on the market for a time period of 1 and a pair of years and gives lifelong renewals together with different advantages together with cowl for in-patient hospitalization bills, highway ambulance, pre-hospitalization, and post-hospitalization bills amongst different coverages.
What Is A Health Insurance coverage High-up Plan and Why Ought to I Purchase It?
A medical insurance top-up plan is further protection which you could avail of you probably have a current plan. These plans reimburse the medical bills incurred attributable to a single sickness in extra of the sum insured restrict talked about in your current coverage. Thus, a top-up medical insurance plan helps you enhance the quilt at affordable premiums.
As a precautionary measure, it’s smart to have a top-up plan added to your customary medical insurance plan as they give you the next advantages:
- Prolonged protection
- Inexpensive premium
- Monetary stability in instances of rising healthcare prices
- Tax advantages beneath Part 80D of the Earnings Tax Act, 1961
Star Health Insurance coverage gives Star Tremendous Surplus Insurance coverage Coverage as a top-up plan which you should purchase on a person or floater foundation for prolonged protection of your base medical insurance coverage. This Star top-up coverage gives you many advantages together with all daycare procedures, organ donor bills, pre-hospitalization, and post-hospitalization bills, and air ambulance.
Why Select Star Health Insurance coverage?
Star Health Insurance coverage gives the next advantages to the policyholders:
- Extensive Protection: Star Health Insurance policy give you and your loved ones monetary safety in opposition to a number of healthcare bills in instances of sickness, illness, medical emergencies, and accidents.
- 24*7 Help Providers: Star Health Insurance coverage’s pleasant representatives are there to help you 24*7.
- Cashless Remedy: Star Health Insurance coverage has tie-ups with greater than 9,900 community hospitals the place you’ll be able to avail of hassle-free cashless therapy.
- Add-on Advantages: Medical health insurance plans supplied by Star Health Insurance coverage include a number of add-on advantages like hospital money, affected person care, and many others. that can assist you to get intensive protection by paying a bit of further premium.
- A number of Health Insurance coverage Plans: Star Health Insurance coverage gives all kinds of medical insurance plans specifically designed for people, households, and corporates.
Advantages of Star Health Insurance coverage Plans
You may select Star Health Insurance policy to avail the next advantages:
- Extensive Community of Cashless Hospitals: Star Health Insurance coverage has a large community of over 9,900 community hospitals the place you’ll be able to avail yourself of your self cashless therapy beneath your medical insurance coverage.
- In-Home Declare Settlement: Star Health Insurance coverage gives an in-house declare settlement course of which helps in hassle-free and speedy settlement of your declare.
- Well-timed Settlement Of Claims: Star Health Insurance coverage claims to have settled 90% acquired medical insurance claims in lower than 2 hours.
- Extensive Vary Of Sum Insured Choices: Medical health insurance plans supplied by Star Health Insurance coverage include a variety of sum insured choices. You may select the best sum insured for yourself and for your loved ones on the idea of things comparable to age, health historical past, present health, variety of members lined beneath the plan, and many others.
- Lifetime Renewability: There isn’t a restriction comparable to most ages for renewals beneath medical insurance plans supplied by Star Health. Thus, you may get your Star Health Insurance coverage plan renewed anytime throughout your lifetime.
Star Health Insurance coverage Declare Settlement Ratio
Declare Settlement Ratio (CSR) refers back to the complete variety of claims settled by a medical insurance firm. CSR means that you can perceive how properly an insurer settled the claims requests acquired by it in a monetary yr.
|Monetary Yr||Declare Settlement Ratio|
(Supply: IBAI’s Common Insurance coverage Declare Insights Handbook For Policyholders – 4th & fifth Version)
Community Hospitals of Star Health Insurance coverage
A community hospital is a hospital that has a settlement with the medical insurance firm to supply cashless therapy. Star Health Insurance coverage has tie-ups with greater than 9,900 community hospitals throughout India the place you’ll be able to avail cashless therapy and needn’t make preparations to boost funds to hunt therapy because the insurer straight settles payments at these hospitals. The report of those hospitals will be discovered on the website of Star Health Insurance coverage in addition to at InsuranceDekho.
Star Health Insurance Coverage Phrases
Star Health Insurance coverage insurance policies can be found with the phrases tabulated beneath:
|Minimal Entry Age||3 months|
|Most Entry Age||65 years/no restrict|
|Coverage Renewal||Lifetime renewability assured|
|Co-Fee||Co-payment of 20% is relevant on each declare for folks aged over 60 years at entry-degree and subsequent renewals.|
|Common Ready Interval||A ready interval of 30 days must be accomplished to hunt advantages, besides in case of harm, beneath the plans.|
Nevertheless, these phrases of Star Health Insurance policy are topic to fluctuate from plan to plan.
The best way to Make A Declare For Star Health Insurance coverage?
Star Health Insurance coverage gives a customer-friendly and hassle-free declaration settlement course to make sure well-timed processing of claims. Beneath medical insurance plans supplied by Star Health Insurance coverage. You can also make cashless claims in addition to reimbursement claims.
What Is the Cashless Declare Technique of Star Health Insurance coverage?
Comply with the steps given beneath to avail cashless therapy beneath Star Health Insurance policy:
Step 1: Attain A Community Hospital
Go to the insurance coverage desk at a community hospital. Intimate Star Health Insurance coverage by calling them at 1800 425 2255 / 1800 102 4477 or dropping an e-mail at firstname.lastname@example.org.
Step 2: Present Your Star Health ID Card
Present your Star Health ID card at the reception of the community hospital for identification.
Step 3: Submit Required Paperwork
Submit the paperwork associated with pre-admission investigations and sessions at the hospital.
Step 4: Verification of Paperwork
Earlier than processing your declare in line with the phrases and situations, the docs will confirm all of the paperwork submitted. An assigned consultant might go to you in the hospital if crucial.
Step 5: Settlement of Declare
The community hospital will ship declare paperwork to Star Health Insurance coverage after you get discharged. The declare will then be settled straight by the insurer with the hospital.
How To Make A Star Health Reimbursement Declare?
Comply with the steps given beneath to avail reimbursement facility beneath Star Health Insurance policy:
Step 1: Get Hospitalised
To avail of the required medical therapy, you may get hospitalized at a hospital of your alternative.
Step 2: Get Remedy and Pay The Payments
After getting the required medical therapy, settle the payments with the hospital. After clearing the payments, provoke a reimbursement to declare with Star Health Insurance coverage for the incurred medical bills topic to the sum insured. Ensure you accumulate all of the medical payments from the hospital.
Paperwork Required For Star Health Declare Reimbursement
Following paperwork are required throughout a Star Health Insurance coverage Reimbursement Declare Settlement course of:
• A replica of Star Health ID card
• Duly crammed declare the type
• Authentic discharge abstract acquired from the hospital
• Papers associated with pre-admission investigations and physician’s session
• Medical studies (X-ray, blood checks, scans, and many others.)
• Invoices and prescriptions from the pharmacy
• Receipts from the chemist in addition to hospital
• FIR and/or Medico-Authorized Certificates in case of an accident
• A replica of the KYC paperwork
• NEFT particulars, E-mail ID, and phone quantity
Step 3: Fill The Star Health Declare Kind
After initiating a reimbursement declare course, you can be required to fill a Star Health reimbursement declare type. Submit the shape together with all of the required paperwork on the nearest Star Health Insurance coverage workplace or at their online portal.
Step 4: Settlement of Declare
After the completion of all of the formalities, Star Health Insurance coverage will settle your declare as per the phrases and situations of your coverage and therein talked about sum insured. Observe that you’ll have to pay for the non-payable bills from your personal pocket.
Star Health Insurance coverage Renewal Course of
Star Health Insurance coverage insurance policies will be renewed after each 1 yr, 2 years, or 3 years, relying upon the coverage time period chosen. Star Medical health insurance gives a grace interval of at the least 15 days (varies from plan to plan) throughout which you’ll pay a renewal premium and search for steady protection beneath your medical insurance plan. Comply with the below-mentioned steps to resume your medical insurance coverage with Star Health Insurance coverage:
Step 1: Go to the official website of Star Health Insurance coverage and open the ‘Renewal’ web page.
Step 2: Fill within the coverage particulars (coverage quantity and date of start).
Step 3: Click on the ‘Renew Now’ tab.
Step 4: Verify the coverage particulars and the premium to be paid for coverage renewal.
Step 5: Make the cost online utilizing the accessible cost choices.
Your coverage might be renewed, thereby enabling you to proceed to benefit from the insurance coverage protection beneath your Star Health Insurance coverage plan.
Star Health Insurance coverage Tax Advantages
Together with many different advantages supplied by Star Health Insurance coverage, a medical insurance plan additionally gives you revenue tax advantages which will be availed beneath Part 80D of the Earnings Tax Act, 1961. You may declare the next revenue tax deductions on the medical insurance premium paid in a monetary yr:
|Conditions||Premium Paid||Deduction beneath Part 80D of the Earnings Tax Act|
|Self, Household, Youngsters||Mother and father|
|When Policyholder and Mother and father are beneath 60 years||Rs. 25,000||Rs. 25,000||Rs. 50,000|
|When Policyholder and relations are beneath 60 years with mother and father above 60 years||Rs. 25,000||Rs. 50,000||Rs. 75,000|
|When Policyholder, relations, and fogeys are above 60 years||Rs. 50,000||Rs. 50,000||Rs. 1,00,000|
|Members of HUF||Rs. 25,000||Rs. 25,000||Rs. 25,000|
|Non-resident People||Rs. 25,000||Rs. 25,000||Rs. 25,000|
Star Health Insurance coverage Premium Calculation
The premium quantity for various Star Health Insurance policies is calculated on the idea of a number of elements. Learn these elements beneath as a way to make knowledgeable shopping for resolution:
- Health Historical past: One of many elements affecting the premium quantity of your Star Health Insurance coverage plan is your health historical past. A better premium is chargeable in case of pre-existing medical situations. It is because, in such instances, the insurance coverage firm faces greater possibilities of obligating a declare compared to policyholders who match and are high-quality.
- Variety of Members Added Beneath The Coverage: The premium quantity for Star Health Insurance policy would price much less should you purchase a person’s medical insurance plan and canopy solely yourself. Nevertheless, should you select so as to add your different relations too on a floater foundation, then you’ll have to pay greater premiums as you’d then require greater protection.
- Age: As you age, you change into extra susceptible to illnesses and therefore have larger possibilities of making claims beneath medical insurance plans supplied by Star Health Insurance coverage. Subsequently, you’ll have to pay greater premiums should you purchase plans throughout previous age as in comparison with younger age.
- Sum Insured: Greater the sum insured opted for, the greater the protection, and therefore, the greater the medical insurance premium you might be required to pay for the medical insurance plans supplied by Star Health Insurance coverage and vice versa.
- Life-style: Unhealthy way of life habits like smoking, ingesting, and many others., put a person at an amazing danger of getting illnesses and therefore a larger likelihood of creating claims. Subsequently, Star Health Insurance coverage will cost you an extra premium in case you reside an unhealthy way of life, and vice versa.
What All Is Coated Beneath Star Health Insurance coverage Plans?
You may get pleasure from the next inclusions beneath medical insurance plans supplied by Star Health Insurance coverage :
- In-patient Hospitalisation Bills: Medical health insurance plans supplied by Star Health Insurance coverage cowl you in opposition to in-patient hospitalization bills incurred attributable to hospitalization due to any sickness, illness, illness, or accident.
- Pre-hospitalisation And Submit-hospitalisation Bills: Star Medical health insurance plans cowl you in opposition to pre-hospitalization and post-hospitalization bills for as many as 90 and 180 days respectively.
- AYUSH Remedies: Star Medical health insurance plans supply cowl for bills associated with AYUSH techniques of medicines. These embrace Ayurveda, Unani, Siddha, and Homeopathy.
- Ambulance Cowl: Star Health Insurance policy cowl you in opposition to emergency ambulance costs in case you require pressing medical care.
- Daycare Procedures: Beneath medical insurance plans supplied by Star Health Insurance coverage, you’ll be able to search for therapy for daycare procedures. These are procedures that require hospitalization of lower than 24 hours. As an illustration, chemotherapy, radiation, dialysis, and cataract.
- Organ Donor Bills: You get lined in opposition to organ donor bills beneath medical insurance plans supplied by Star Health Insurance coverage.
What Are The Exclusions of Star Health Insurance coverage Plans?
Medical health insurance plans supplied by Star Health Insurance coverage include the next exclusions:
- Beauty Surgical procedure: Remedies associated with beauty surgical procedures are usually not lined beneath medical insurance plans supplied by Star Health Insurance coverage.
- Self-Inflicted Accidents: Self-inflicted accidents comparable to accidents ensuing from the try of suicide, are usually not lined beneath Star Health Insurance policy.
- Accidents Due To Participation In Journey Sports activities: Bills arising attributable to participation in journey sports activities are actions comparable to mountaineering, paragliding, and many others. are usually not lined beneath Star Health Insurance policy.
- Sickness Due To Use Of Intoxicating Substances: Health Insurance policy supplied by Star Health Insurance coverage doesn’t cowl any therapy required due to make use of intoxicating substances. These might embrace medication, alcoholism, smoking, and tobacco chewing.
- Weight Management Remedies: Star Health Insurance policy don’t cowl you in opposition to bills incurred on weight management procedures together with surgical procedures like bariatric surgical procedure or therapy of weight problems.