Benefits of Buying Star Health Insurance

13 Major Benefits of Buying Star Health Insurance Plans

Here are the top benefits you will get with Star health insurance plans:

1. Limitless Care

   The Star Health Super Star Plan provides unlimited medical coverage for the insured under the 'Limitless Care' benefit. This feature ensures that all in-patient and day care procedures are covered without any limit on the sum insured once during the lifetime of the policy.

2. PED Coverage from Day 31

   The 'Quick Shield' benefit in the Star Health Super Star plan reduces the waiting period for pre-existing diseases (PEDs) like diabetes, hypertension, asthma, hyperlipidemia, and certain heart conditions to 30 days.

3. Freeze Your Age

   The 'Freeze Your Age' benefit of Star Health Super Star health insurance plan locks your age at the time you buy the policy until you either make a claim for in-patient, day care treatment, or AYUSH treatments, or until you turn 55 years old. Afterwards, the premium is adjusted based on your age at the time of renewal. It allows you to save on health insurance premium if you are young and healthy.

4. Variety of Health Plans Available

   Star Health & Allied Insurance Company offers a wide range of medical insurance plans tailored to meet the needs of different people. Whether you are young or senior citizen, looking for an individual plan or a family floater plan, you will find a suitable option that fits your and your family's needs. Additionally, the insurer also provides disease-specific plans like the Star Cancer Care Platinum Insurance Plan, Star Cardiac Care Insurance Plan, Star Special Care Insurance Plan for autistic children, etc.

5. Special Cover for Women

   The insurer offers Star Women Care Insurance, which is a women health insurance plan covering women-related illnesses. Apart from basic hospitalization and maternity expenses, the plan covers the cost of pre & post-natal care, ante-natal care, assisted reproduction treatments, newborn baby treatments, stem cell therapy, surrogacy, in utero fetal surgery, voluntary sterilisation, etc.

   Moreover, the policy offers a lump sum payment in case of accidental miscarriage as well as on the first-time diagnosis of cancer, ensuring women have the required support during critical situations.

6. Automatic Restoration of the Sum Insured

   Star Health & Allied Insurance Company provides automatic restoration of the sum insured benefit under some of its health insurance plans. This feature refills the sum insured amount if it gets completely or partially exhausted during the policy term.

7. Coverage for Non-Medical Items

   A few of the insurer's plans, including the Star Health Super Star plan, offer coverage for non-medical expenses incurred during hospitalization or day care procedures. This consumables cover ensure you do not have to bear additional out-of-pocket expenses for items like gloves, bandages, etc.

8. Cashless Anywhere Facility

   The insurance provider offers a cashless anywhere facility, enabling you to receive treatment at any hospital nationwide without paying upfront. Your medical expenses are settled directly between the hospital and the insurance company, so you can focus entirely on your recovery.

9. Premium Waiver for Critical Illness or Death

   Some Star health plans waive the premium for the next policy year in case of your unfortunate death or if you are diagnosed with a critical illness. This feature eases your family's financial burden and ensures the policy continues without immediate premium payments.

10. Annual Health Check-Up

    Some mediclaim plans by Star Health & Allied Insurance Company offer an annual health check-up benefit, allowing you to undergo routine health check-ups from day one of the policy. This allows you to detect any medical issues early and stay on the top of your health.

11. Hassle-Free Claim Settlement Process

    The insurance company makes claim settlement easy and hassle-free by approving cashless claims within 3 hours.

12. 24*7 Customer Support

    Whether you have questions about your policy or need assistance with health insurance claims, the customer support team of the insurer is available 24*7 to assist you.

13. Tax Benefits

    The premiums you pay for your Star Health insurance policy are eligible for tax deductions under Section 80D of the Income Tax Act, 1961. This can help you save on taxes.

How to Buy Star Health Insurance?

You can easily buy Star health insurance through Policybazaar.com. The steps to make a purchase are as follows:

Step 1: Visit Policybazaar.com.

Step 2: Choose your gender and specify the family members you wish to insure, including their ages.

Step 3: Enter your city, name, and phone number.

Step 4: Indicate whether you or any family member has a pre-existing medical condition.

Step 5: Specify if your employer offers mediclaim insurance. If yes, select the sum insured amount.

Step 6: Browse through the list of Star health insurance plans, compare options, and select the most suitable plan. If unsure, you can opt for the "Get Free Advice" for assistance.

Step 7: Complete the premium payment for your selected Star health insurance plan online.

Step 8: Once the payment is confirmed, your Star health insurance policy will be sent to your registered email ID.