Star Health Insaurance

Affordable Insurance plans for your loved ones

Be assured of the best with Star Health by your side

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For you

You are important obviously.

Health

Medi classic Insurance Policy(Individual)- Gold Plan

  • यह एक व्यक्तिगत पॉलिसी है
  • प्रवेश की आयु सीमा 5 माह के बच्चे से लेकर 65 वर्ष तक के व्यक्तियों की है ।
  • पॉलिसी का नवीनीकरण आजीवन रहेगा ।
  • 50 वर्ष से अधिक के व्यक्तियों को मेडिकल जाँच कंपनी के खर्च पर करवानी होगी ।
  • 61 वर्ष से अधिक उम्र वालों को पालिसी लेने पर 10 -90 % का को पेमेंट रहेगा।
  • 405 डे केअर बीमारियों का इलाज सुविधा बिना हॉस्पिटल में भर्ती हुए ।
  • प्रत्येक क्लेम रहित 3 साल के बाद स्वास्थ परिक्षण
  • बिमा धन पर 200% आटोमेटिक रिस्टोरशन सुविधा उपलब्ध बिना किसी अतिरिक्त प्रीमियम पर
  • क्लेम रहित वर्षों के बाद 5 से 25% बोनस सुविधा
  • भर्ती होने के 30 दिन पूर्व व् छुट्टी होने के बाद 60 दिन 7% या 5000 तक लिए गए उपचार का खर्च
  • 50 वर्ष के ऊपर के व्यक्तियों के लिए मेडिकल जांच अनिवार्य
  • प्रथम 30 दिन तक दुर्घटना को छोड़ कर अन्य कोई जोखिम शामिल नहीं
  • पालिसी लेते समय पूर्व मौजूद बिमारियों का कवर 4 वर्ष तक नहीं
  • मोतियाबिंद, ग्लूकोमा, रेटिनल डिटेचमेंट/मेक्युलेर डिजेनेरेशन, रीढ़ की हड्डी की गद्दी का खसक जाना, वेरिकॉजवेन्स, प्रोस्टेट ग्लैंड, नाक की हड्डी का टेढ़ा होना, साइनस संबंधी रोग, टॉन्सिल्स, थॉयरोएड, हर्निया एवम् जन्मजात बीमारियां, गलब्लेडर, मूत्रतंत्र सम्बंधित रोग, पथरी, बच्चेदानी का ऑपरेशन, महिलाओं की आतंरिक बिमारियों, घुटने के जोड़ सम्बंधित व् मेरुदंड सम्बंधित बिमारियों को 2 वर्ष तक कवर नहीं किया जाता है ।
  • हॉस्पिटल में भर्ती होने पर मिलने वाले लाभ
    • 5000 तक रूम रेंट
    • डॉक्टर की फीस
    • नर्सिंग चार्ज
    • दवाइयों का सम्पूर्ण खर्च
    • एम्बुलेंस खर्च
    • स्पेशलिस्ट डॉक्टर की फीस
    • एलोपेथी के अलावा होम्योपैथी या आयुर्वेदिक पद्धति से 25000/- तक इलाज की सुविधा

  • Sum Insured Options: Rs.3 lacs, Rs.4 lacs, Rs.5 lacs, Rs.10 lacs, Rs.15 lacs, Rs.20 lacs and Rs.25 lacs. Age at entry is 16th day to 65 years.
  • POLICY BENEFITS : Room, boarding, nursing expenses for sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room
  • Emergency Ambulance charges It up to Rs.2000/- per hospitalization. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital. Post-hospitalisation expenses incurred for a period up to 60 days from the date of discharge from the hospital. Cost of Health Check-up is payable up to the limits. Cataract is payable up to the limits
  • Psychiatric and Psychosomatic Disorder: If the insured person is diagnosed with psychiatric or psychosomatic disorder for the first time and hospitalized for minimum period of 5 consecutive days under this policy, then the Company will pay hospitalization expenses up to Basic Sum Insured consecutive days
  • Cumulative Bonus: 25% of basic sum insured in the second year and additional 20% of the basic sum insured for each subsequent years subject to a maximum of 100% overall
  • Automatic Restoration: There shall be automatic restoration of the Basic Sum Insured by 200%, once during the policy period
  • Super Restoration: Super Restoration of basic Sum Insured by 100% would be provided once for the remaining policy period which can be used for same ailment in the subsequent hospitalization
  • Domiciliary hospitalization treatments for a period exceeding three days
  • Organ Expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable
  • Shared accommodation: If the Insured person occupies shared accommodation during in patient hospitalization, then a lump sum payment as stated will be payable
  • Additional Basic Sum Insured for Road Traffic Accident (RTA): If the insured person meets with a Road Traffic Accident resulting in patient hospitalization, then the basic sum insured shall be increased by 50%.
  • Hospitalization expenses for treatment of New Born Baby: The coverage for new born baby starts from the 16th day after its birth and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less.
  • Non Allopathic Treatment: Up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000/- during entire policy period.
  • Add-on covers (subject to payment of additional premium): If the insured person meets with a Road Traffic Accident resulting in patient hospitalization, then the basic sum insured shall be increased by 50%.
  • Hospitalization expenses for treatment of New Born Baby: The coverage for new born baby starts from the 16th day after its birth and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less.
  • Non Allopathic Treatment: Up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000/- during entire policy period.
  • Add-on covers (subject to payment of additional premium):
    • Hospital Cash: Hospital cash benefit for each completed day of hospitalization subject to a maximum of 7 days per hospitalization and 14 days per policy period.
    • Family Discount: 5% discount is available if 2 or more family members are covered under this policy
    • Major Organ Donor Discount: If at the time of renewal if the insured person submits proofs that he / she has donated a major organ, a discount of 25% of the premium is available at the time of renewal. This discount is available even for subsequent renewals also.
    • Tax Benefits : Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
    • No Third Party Administrator – direct in-house claims settlement.
    • Faster and hassle-free claim settlement.
    • Network of more than 10200+ hospitals across India.
    • WAITING PERIODS :
      • First 30 days for illness/disease (other than accidents)
      • 24 months for specified illness/disease/treatments
      • 48 months for pre-existing disease.
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For Your Family

Health is Happiness.

Health

Family Health Optima

  • यह एक फ्लोटर पॉलिसी है, जिसमे एक ही प्रीमियम द्वारा सम्पूर्ण परिवार (पति, पत्नी व् अधिकतम 3 बच्चे 25 वर्ष से कम उम्र के) को शामिल किया जा सकता है ।
  • बीमा राशि का उपयोग परिवार का एक सदस्य या सम्पूर्ण सदस्य अपनी आवश्यकतानुसार कर सकते है ।
  • प्रवेश की आयु सीमा 16 दिन के बच्चे से लेकर 65 वर्ष तक के व्यक्तियों की है ।
  • पॉलिसी का नवीनीकरण आजीवन रहेगा ।
  • 50 वर्ष से अधिक के व्यक्तियों को मेडिकल जाँच कंपनी के खर्च पर करवानी होगी ।
  • अब 5 लाख से अधिक बीमाधन वाली पॉलिसी पर सिंगल स्टैंडर्ड ए.सी. रूम *New*
  • 5 लाख से अधिक बीमाधन वाली पॉलिसी पर एयर एम्बुलेंस सुविधा *New*
  • बाहर मृत्यु होने पर शव पॉलिसी पते पर लाने हेतु खर्च का प्रावधान । *New*
  • Family floater policy at an affordable premium
  • Recharge Benefit : Get extra sum insured (auto recharge Rs75k to 150k) at no extra cost.
  • Automatic Restoration of Sum Insured : Available 3 times at 100% sum insured each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one.
  • No Claim Bonus: Following a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.
  • Guaranteed Lifetime Renewals : Life-long renewals beyond 65 years are offered under this policy.
  • Additional Sum Insured for RTA(Road Traffic Accident): If the insured person meets with a Road Traffic Accident resulting in in-patient. hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/- .This benefit is payable if the insured person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider.Health Checkup benefit for every claim free year.
  • New-born baby cover from 16th day.
  • Donor expenses cover for organ transplantation.
  • All day care procedures are covered
  • Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
  • Post-hospitalisation expenses incurred up to 90 days after discharge from the hospital.
  • The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company’s network of Medical Practitioners
  • Tax Benefits : Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
  • Any person aged between 18 years and 65 years, residing in India, can take this insurance.
  • Child from 16th day of age can be covered as part of the family
  • No Third Party Administrator, direct in-house claim settlement.
  • Faster and hassle free claim settlement.

Young Star Policy

  • 18 से 40 वर्ष की आयु वर्ग का व्यक्ति यह पालिसी ले सकता है।
  • पालिसी के नाम से ही उसकी विशेषता का पता चलता है यह पालिसी युवा वर्ग के हितलाभ को ध्यान मे रख कर बनाई गई है ।
  • यह एक व्यक्तिगत एवं फ्लोटर पालिसी है, जिसमे एक ही प्रीमियम द्वारा सम्पूर्ण परिवार (पति, पत्नी व् अधिकतम 3 बच्चे 25 वर्ष से कम आयु वालों को शामिल किया जा सकता है ।
  • इस पालिसी में मेटरनिटी खर्च भी कवर है ।
  • नोट *फ्लोटर प्लान 3 लाख के बीमा धन मे उपलबध नही है*
  • नो क्लेम बोनस 100% तक, सालाना 20% की वृद्धि से।
  • प्रथम 30 दिन तक दुर्घटना को छोड़ कर अन्य कोई जोखिम शामिल नहीं
  • पालिसी लेते समय पूर्व मौजूद बिमारियों का कवर एवं जोड़ प्रत्यर्पण 1 वर्ष तक नहीं
  • व् बीमारी से सम्बंधित खर्च का भुगतान पालिसी के नियम अनुसार किया जाता है ।
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For Your Parents

Truly Caring.

Health

Family Health Optima

  • Family floater policy at an affordable premium
  • Recharge Benefit : Get extra sum insured (auto recharge Rs75k to 150k) at no extra cost.
  • Automatic Restoration of Sum Insured : Available 3 times at 100% sum insured each time, during the policy period. Each restoration will operate only after the exhaustion of the earlier one.
  • No Claim Bonus: Following a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given.
  • Guaranteed Lifetime Renewals : Life-long renewals beyond 65 years are offered under this policy.
  • Additional Sum Insured for RTA(Road Traffic Accident): If the insured person meets with a Road Traffic Accident resulting in in-patient. hospitalization, then the Basic sum insured shall be increased by 25% subject to a maximum of Rs.5,00,000/- .This benefit is payable if the insured person was wearing a helmet and travelling in a two wheeler either as a rider or as a pillion rider.Health Checkup benefit for every claim free year.
  • New-born baby cover from 16th day.
  • Donor expenses cover for organ transplantation.
  • All day care procedures are covered
  • Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
  • Post-hospitalisation expenses incurred up to 90 days after discharge from the hospital.
  • The Insured Person can obtain a Medical Second Opinion from a Doctor in the Company’s network of Medical Practitioners
  • Tax Benefits : Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
  • Any person aged between 18 years and 65 years, residing in India, can take this insurance.
  • Child from 16th day of age can be covered as part of the family
  • No Third Party Administrator, direct in-house claim settlement.
  • Faster and hassle free claim settlement.

Senior Citizen

  • Any person between 60 and 75 years of age at the time of entry can take this insurance policy.
  • There is no pre-acceptance medical screening. However if following medical records of the person proposed for insurance are submitted, a discount of 10% of is allowed.
    • Stress Thallium Report
    • BP Report
    • Sugar (blood & urine) (Fasting / Postprandial)
    • Blood urea & creatinine
  • Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs upto the limits specified.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Covers pre-existing diseases from the second year onwards.
  • Get Protected upto 25 Lakhs on Individual and Floater basis.
  • Medical Consultations as an out-patient in a Network Hospital.
  • Constant premium with lifetime renewals guaranteed.
  • Cost of Health Check up for every claim free year upto the limits specified
  • Pre hospitalisation expenses up to 30 days prior to date of hospitalisation
  • Post-hospitalisation paid as lump-sum upto the limit specified.
  • All day-care procedures covered.
  • Co-Payment: This policy is subject to Co-payment mentioned below;
    • For Sum Insured of Rs.1,00,000/- to 10,00,000/ 50% of each and every admissible claim arising out of Pre-Existing Diseases and 30% of each and every admissible claim for all other claims
    • For Sum Insured of Rs.15,00,000/- to 25,00,000/- 30% of each and every admissible claim
  • No Third Party Administrator, direct in-house claim settlement.
  • Faster and hassle-free claim settlement.
  • Faster and hassle-free claim settlement.
  • Cashless hospitalisation.