Star Health Insurance Plans

In this article we will be discussing about the 20 health plans offered by Star Health Insurance.

Star Comprehensive Health Plan

This is a complete health insurance plan that safeguards an individual against major healthcare expenses. It covers the cost of hospitalization, pre and post-hospitalization expenses, ambulance charges, and so on. This plan also provides maternity and new-born baby coverage.

This policy can be purchased on an individual or family floater basis, where you can cover your family members in a single plan.

Plan features

• This plan covers the cost of hospitalization and multiple daycare treatments.
• This plan protects against accidental death and any disablement suffered due to an accident.
• Cost of 60 days pre and 90 days post-hospitalization expenses are covered.
• Air Ambulance charges are covered up to Rs 5 lakh.
• This plan covers AYUSH treatment.
• Organ donor expenses are covered.
• The benefit of 100% sum restoration in case you exhaust your initial coverage due to previous claim.
• Free health check-up every claim-free year.

Plan specifications

Senior Citizen Red Carpet Health Plan

True to its name, this plan is designed to take care of the essential healthcare and medical needs of senior citizens.

It covers the cost of hospitalization, daycare treatments, and outpatient care. The plan also covers a set of listed modern procedures like robotic surgeries and deep brain stimulation. This plan starts covering any pre-existing conditions after one year from inception of the policy period.

Plan features

• This plan covers hospitalization expenses and all daycare procedures.
• This plan covers pre and post-hospitalization expenses.
• Emergency ambulance charges are covered.
• Free health check-up every claim-free year.

Plan specifications

Star Health Super Surplus Plan

This is a top-up health plan that comes into force when the policyholder has exhausted the coverage of his/her base health plan. It is an ideal choice if you wish to opt for a high coverage health plan at an affordable premium. The plan is available in 2 variants- Silver – Gold Plan.

Plan features

• This plan covers the cost of hospitalization expenses.
• Modern treatments like stem cell therapy, robotic surgery, etc are covered under this plan.
• Maternity expenses are covered under this plan.
• Ambulance charges covered up to 10% of SI.
• Organ donor expenses are covered.

Plan specifications

Star Family Health Optima Plan

This is a family floater health plan that covers you and your family members in a single policy. It offers you many benefits like covering pre and post-hospitalization expenses and providing emergency air ambulance services.

You can choose to cover yourself, your spouse, dependent children, and your parents under this plan.

Plan features

• This plan covers hospitalization and multiple daycare procedures.
• This plan also provides coverage towards accidental death or any disablement suffered due to an accident.
• Organ donor expenses are covered.
• Automatic reinstatement of 300% of sum insured under sum refill benefit.

Plan specifications

Star MediClassic Plan

This plan offers broad protection against medical contingencies while securing your finances.
It covers hospitalization, organ donor expenses, and much more.

The policyholder will also receive the benefit of automatic reinstatement of 200% of sum insured in case they exhaust their initial coverage due to previous claim.

Plan features

• This plan covers hospitalization expenses.
• Emergency ambulance services are covered.
• Cost of pre and post-hospitalization expenses are covered.
• The plan covers expenses incurred in the treatment of any psychiatric and psychosomatic disorders.
• The benefit of automatic sum restoration of 200% of sum insured.
• The plan provides coverage towards AYUSH treatment.

Plan specifications

Star Health Gain Plan

This is a complete health plan that offers you coverage against hospitalization due to any illness or injury. It also covers the cost of any outpatient treatments and diagnostic tests in any network hospitals of the insurer.

Plan features

• This plan covers hospitalization expenses.
• All daycare procedures are covered.
• Ambulance charges covered up to Rs 1500.
• 30 days pre and 60 days post-hospitalization charges are covered.
• This plan covers the cost of any outpatient treatments in network hospitals of the company.

Plan specifications

Star Health Diabetes Safe Plan

This plan is specially designed to cover individuals who are suffering from diabetes. It covers persons who are diagnosed with type 1 and type 2 diabetes. This plan is available in 2 types of variants- Plan A and B.

Plan features

• This plan covers hospitalization expenses incurred in the treatment of diabetes and its complications.
• It also pays for outpatient treatments, diagnostic tests, etc.
• 100% sum insured to be paid to the nominees of the policy in case of accidental death of the insured individual.

Plan specifications

Star Cardiac Care Plan

This plan is carefully crafted for individuals suffering from cardiac ailments and diseases. It insures against cardiac-related ailments that other plans do not cover.

The plan covers against any heart ailments or diseases after 90 days from the inception of the policy period. It is available in 2 types of variants – Silver and Gold Plan.

Plan features

• This plan covers hospitalization expenses incurred in the treatment of cardiac-related illness and its complications.
• This plan also covers all daycare procedures.
• 100% sum insured to be paid to the nominees of the policy in case of accidental death of the insured individual. 

Plan specifications

Star Cancer Care Gold Plan

This is plan is designed to cover individuals who are suffering from cancer.

It provides a lump sum amount to the policyholder in case of recurrence or second stage of cancer that is unrelated to first cancer. The plan is only available on individual coverage basis.

Plan features

• Receive lump sum payout in the event of recurrence or second stage of cancer.
• This plan also covers pre and post-hospitalization charges.
• All daycare procedures are covered.

Plan specifications

Star Care Micro Health Plan

This plan is crafted for individuals belonging to the rural and urban sections of the nation. It provides standard health coverage at an affordable premium.

Plan features

• This plan covers hospitalization expenses.
• Ambulance charges are covered up to Rs 1000.
• 30 days pre and 60 days post-hospitalization expenses are covered.
• The benefit of daily cash allowance during the hospital stay up to a maximum period of 14 days.
• More than 400+ daycare procedures are covered.

Plan specifications

Star Criticare Plus Plan

Star’s Criticare Plus plan protects the policyholder against a listed set of critical illnesses and conditions specified under the policy.

Under this plan, the policyholder will be paid a lump sum payout in the event of diagnosis of any of the listed critical illnesses or conditions. Along with providing a lump sum benefit this plan also covers hospitalization expenses in case of any illness and injury.

Plan features

• This plan covers the cost of hospitalization due to any illness or accident.
• Receive lump sum payout when diagnosed with any of the listed major life threatening illnesses like first heart attack, stroke, cancer and so on.
• The plan covers Ayush treatment.
• Pre and post-hospitalization expenses are covered.

Plan specifications

Star Family Delite Plan

This is a family floater health plan that secures you and your loved ones from hospitalization expenses under a single plan. It offers extensive coverage protecting you from medical expenses at a budget friendly premium.

Plan features

• This plan inpatient hospitalization expenses.
• Ambulance charges are covered up to a certain limit.
• Pre and post-hospitalization charges are covered under the plan.
• This plan covers multiple daycare treatments and procedures.

Plan specifications

Star Special Care Plan

This is a unique plan that is designed to cater to the essential medical needs of children suffering from autism. It also pays for treatments like physiotherapy, behavioural, occupational, and speech Therapy.

Plan features

• This plan covers hospitalization expenses.
• Emergency ambulance covered up to Rs 1,500 per hospitalization.
• This plan also covers 60 days of post-hospitalization expenses.

Plan specifications

Star Hospital Cash Insurance Plan

This is a cash benefit plan which provides a daily cash allowance during the hospital stay.

It is an ideal plan that will assist you to pay for miscellaneous expenses like attendant fees, travel costs, etc that are not covered in a general health plan. It is available in 2 types of variants- Basic and Enhanced plan

Plan features

• Receive lump sum cash allowance during hospitalization stay.
• Receive 200% of the sum insured when the insured is admitted to the intensive care unit.

Plan specifications

Star Outpatient Care Health Plan

This plan is specifically designed to cover outpatient treatments like OPD consultations, diagnostics tests, and so on.

This plan can be purchased as an add-on to boost the benefits of your base plan. It is available in 3 variants – Silver, Gold, and Platinum Plan.

Plan features

• This plan covers outpatient treatments at any network hospital of the company.
• This plan covers the cost of diagnostics, pharmacy, physiotherapy at any network hospital of the insurer.
• It also covers the cost of dental treatments arising out of an accident.

Plan specifications

Star Young Star Insurance Plan

Star Young Star health offers extensive health coverage to persons below or up to 40 years of age.

This plan also offers multiple other benefits like 100% sum restoration and a cumulative bonus as reward for claim free years. It is available in two types of variants -Silver and Gold Plan.

Plan features

• This plan covers hospitalization expenses incurred in the treatment of any illness or injury.
• Free health check-up once a year.
• The benefit of 100% sum restoration once during the policy period.
• The plan covers 30 days pre and 60 days post-hospitalization charges.
• Receive the benefit of daily cash allowance under the Gold plan.

Plan specifications

Star Novel Coronavirus (COVID-19) Insurance Plan

This is a cash benefit plan that pays the insured lump sum amount in the event of the first positive diagnosis of Covid-19. It is available two types Silver and Gold Plan.

Plan Features

• Receive lump sum benefit of 100% sum insured in the event of first positive diagnosis of COVID-19.

Plan specifications

Star Health Arogya Sanjeevani Plan

This is a standard health policy that protects against hospitalization expenses due to any illness or injury. It also covers the cost of cataract and Ayush treatments up to a specified limit.

Plan features

• This plan covers hospitalization expenses and multiple daycare treatments.
• Ambulance charges are covered up to Rs 2000 per hospitalization.
• 30 days pre and 60 days post-hospitalization expenses are covered.
• This plan also covers AYUSH treatment.
• The benefit of cumulative bonus which increases your sum insured up to 50%.

Plan specifications

Star Corona Rakshak Plan

This is a cash benefit plan under which the policyholder will receive a lump sum payment in the event of the first positive diagnosis of COVID-19 and is available on an individual basis only.

Plan features

• Payment of 100% sum insured when the insured is diagnosed with COVID-19.

Plan specifications

Star Health Corona Kavach Plan

This is a short-term health plan that is designed to cover medical expenses incurred in the treatment of COVID-19 only.

It covers hospitalization expenses and homecare treatment when the insured is infected with COVID-19. This plan is available on an individual and family floater basis.

Plan features

• This plan covers hospitalization expenses in the treatment of COVID-19.
• The plan covers the cost of medical items like oxygen, ventilator, PPE Kits, gloves, etc
• Ambulance charges are covered under the plan.
• The plan covers AYUSH treatment.
• This plan covers 15 days pre and 30 days post-hospitalization expenses.

Plan specifications