Star Health and Allied Insurance Company Limited was started in the year 2006 as an independent health insurer. It works as a joint venture between Indian funding companies like Star Health Investments, ICICI Venture, Sequoia Capital and some other foreign investors like Oman Insurance Company- Middle East insurance solution provider and a UAE contracting firm namely ETA Ascon Group. Star Health and Allied Health Insurance Company is currently located in Chennai, India. The company offers travel, health and accidental insurance. It has designed certain special health insurance policies specifically for HIV patient and for rural Indian population. It also has some health+accident policies specially aimed at school and college students.
Compare the best health insurance plans from 20 top insurance companies in India
This policy offers coverage in the range of INR 1,50,000 and INR 15,00,000 for individuals between age 5 months and 65 years.
Besides regular features such as hospital expense cover, ambulance cover etc, the plan also provides benefits like hospital cash benefit and patient care facility for individuals above 60 years.
Star Health Gain
This plan offers coverage in range of INR 1,00,000 to INR 5,00,000 for individuals between age 5 months to 65 years.
Beyond the regular benefits, this plan also has out-patients benefits.
Star Unique Health
This plan offers an individual coverage in range of INR 1,00,000 to INR 3,00,000 for individuals between age 18 years and 65 years.
Policy period is two years which allows premium payment in installments.
First installment -policy commencement
Second installment- beginning of second policy year.
In this plan, the premium value differs with different locations and there is a copay of 30% (amount to be paid by the individuals themselves for each claim)
The policy covers HIV patients with CD4 count above 350 at the time of buying the policy.
Star Super Surplus
This policy has a deductible feature (fixed amount to be paid before claiming against the insurance) and is available in three options.
Option I - Insurance of INR 7,00,000 and a deductible of INR 3,00,000
Option II- Insurance of INR 10,00,000 and a deductible of INR 3,00,000
Option III - Insurance of INR 10,00,000 and a deductible of INR 5,00,000
Individual between age 5 months to 65 years can buy this policy.
Star Criticare Plus
This plan offers an individual coverage in the range of INR 2,00,000 and INR 10,00,000 for individuals between age 18 years and 65 years.
A lump sum amount equal to the sum insured would be paid to the policyholder in the first instance of critical illness claim.
Diseases like chronic kidney disease; major organ transplant etc. are categorized as critical illnesses.
Diabetes safe
This plan is for individuals who have diabetes. It offers coverage in the range of INR 3,00,000 and INR 10,00,000.
The plan does not have a waiting period for diabetes-related health issues.
There are two variants of this plan.
Plan A-Has no waiting period. There is a pre-medical examination requirement for this plan. Diseases other than diabetes-related illnesses are covered like all other regular health plans in the market (with applicable waiting periods as defined in the policy)
Plan B-Has a waiting period of 30 days but no pre-medical examination is required. Diseases other than diabetes-related illnesses are covered like all other regular health plans in the market (with applicable waiting periods as defined in the policy)
Star Cardiac Care
This plan is one of the pioneering plans in the market designed especially for individuals suffering from heart disease.
It offers coverage in range of INR 3,00,000 and INR 4,00,000 for individuals between age of 10 years and 65 years who have undergone PTCA (Stenting) or CABG (By-pass) within a period of 4 years before buying this policy.
In this plan, there is a waiting period of just 90 days for cardiac related illnesses. For all other illnesses, regular waiting periods,(as defined in the policy) apply.
This plan is available in two variants
Silver- Covers only complications which require surgery or intervention.
Gold- Covers all cardiac related illnesses which may or may not require surgery or intervention.
Family Health Plans
Star Family Delite Insurance policy
This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 3,00,000.
A maximum of 2 adults and 2 children in the family between age
5 months and 65 years can be covered under this policy.
Family Health Optima
This is a family floater plan which covers health costs of the entire family in the range of INR 1,00,000 and INR 15,00,000.
A maximum of 2 adults and 3 children in the family between age 5 months and 65 years can be covered under this policy.
The policy has a restore benefit facility which will
automatically restore the coverage amount, in case the coverage amount gets
exhausted in a year. The details and conditions applicable for this benefit can
be found in the policy document.
Medi Classic
This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 3,00,000.
A maximum of 2 adults and 2 children in the family between age 5 months and 65 years can be covered under this policy.
Along with commonly available benefits like hospital cover, ambulance
charges, etc., the plan provides facilities like hospital
cash benefit and a patient care facility for individuals above
60 years.
Star Family Delite Insurance policy
This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 3,00,000.
A maximum of 2 adults and 2 children in the family between age
5 months and 65 years can be covered under this policy.
Family Health Optima
This is a family floater plan which covers health costs of the entire family in the range of INR 1,00,000 and INR 15,00,000.
A maximum of 2 adults and 3 children in the family between age 5 months and 65 years can be covered under this policy.
The policy has a restore benefit facility which will
automatically restore the coverage amount, in case the coverage amount gets
exhausted in a year. The details and conditions applicable for this benefit can
be found in the policy document.
Medi Classic
This is a family floater plan which covers health costs of the entire family in the range of INR 2,00,000 and INR 3,00,000.
A maximum of 2 adults and 2 children in the family between age 5 months and 65 years can be covered under this policy.
Along with commonly available benefits like hospital cover, ambulance
charges, etc., the plan provides facilities like hospital
cash benefit and a patient care facility for individuals above
60 years.
Star Comprehensive
This is a family floater plan which covers health costs of the entire family in the range of INR 5,00,000 and INR 25,00,000.
A maximum of 2 adults and 3 children in the family between age 5 months and 75 years can be covered under this policy.
The plan provides coverage for delivery charges as well as health costs for the newborn, if any. It also covers dental and ophthalmic treatment; has hospital cash and health check up benefits.
The restore benefit is available once, only if the entire sum
insured is exhausted by in-patient hospitalization expenses.
Star Health Gain
This is a family floater plan which covers health costs
of the entire family in the range of INR 1,00,000 and INR 5,00,000.
A maximum of 2 adults and 3 children in the family between age 5 months and 65 years can be covered under this policy.
The plan has out-patients benefits along with general
benefits.
Star Super Surplus
This is a family floater which covers health costs of the entire family. This plan requires a minimum deductible amount to be paid by the family. The plan is available in two options.
Option I- Insurance of INR 10,00,000 and deductible INR 3,00,000.
Option II- Insurance of INR 10,00,000 with the deductible of INR 5,00,000.
A maximum of 2 adults and 2 children in the family between age
5 months and 65 years can be covered under this policy.
Diabetes Safe
This is family floater plan which covers health costs of the entire family in range of INR 3,00,000 and INR 10,00,000.
It is specifically for individuals who have diabetes and their spouse. No other member of the family will be covered in this plan.
The plan covers regular hospitalization along with any complications related to diabetes without any waiting period.
There are two variants of this plan.
Plan A-Has no waiting period. There is a pre-medical examination requirement for this plan.
Plan B- Has a 30 day waiting period. However, there is no
pre-medical examination requirement.
Senior Citizen Health Plans
Senior citizens’ red carpet
This policy provides coverage for senior individuals between age 60 years and 75 years in the range of INR 1,00,000 and INR 5,00,000.
Co-pay of 30 % is applicable in this plan.
Other Plans
Star Wedding Gift
This is plan offers coverage of INR 3,00,000 and INR 5,00,000 only for couples between age 18 years and 40 years.
It can be renewed only up to age of 45 years.
This policy provides delivery and coverage for
the new-born for a maximum of 2 deliveries. It can be extended as a floater to a
dependent child.
