Star Health Insurance for Family

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      Star Health Insurance for Family

      Star Health Insurance for family is a family floater policy that offers extensive coverage to the whole family on a floater sum insured basis. This plan by Star Health & Allied Insurance Company Limited cover family members irrespective of their age and takes care of their health needs. Moreover, health insurance plans for family come with the restoration benefit that recharges the sum insured by 100% in case of partial or full exhaustion before renewal.

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      Key Benefits of Star Health Insurance for Family

      Star Health Insurance for family comes with the following key benefits:

      • Wide range of sum insured ranging from Rs 1 lakh to Rs 1 crore
      • Avail cashless hospitalization in more than 11,000 network hospitals throughout India
      • No pre-acceptance medical screening required for people up to the age of 50 years
      • Free health check-up facility if no claims are raised in the previous year
      • Rewards granted through Star Wellness Program
      • Automatic restoration of the sum insured upon exhaustion up to 100%
      • Cumulative bonus up to 100% for every claim-free year
      • Tax benefits on paid premiums under Section 80D, Income Tax Act, 1961
      • 5% discount on buying the policy online
      • 10% discount on purchasing the policy before the age of 36 years
      • 10% wellness discount available on renewal premium

      Star Health Insurance Plans for Family

      The following table represents the various Star Health Insurance plans for families available in the market:

      Plan Name

      Sum Insured (Rs)

      Pre-existing Diseases Waiting Period

      Star Comprehensive Insurance Plan

      5 lakh to 1 crore

      36 months

      View Plan

      Star Family Health Optima Insurance Plan

      3 lakh to 25 lakh

      48 months

      View Plan

      Star Health Gain Insurance Plan

      1 lakh to 5 lakh

      48 months

      View Plan

      Star Young Star Insurance Plan

      5 lakh to 1 crore

      12 months

      View Plan

      Eligibility Criteria for Star Health Insurance for Family

      Take a look at the eligibility criteria to buy a Star Health Insurance plan for a family below:

      Categories

      Eligibility Criteria

      Adult

      Child

      Minimum Entry Age

      18 years

      91 days
      16 days (Family Health Optima plan)

      Maximum Entry Age

      65 years
      40 years (Young Star plan)

      25 years

      No of Family Members Covered

      Self, spouse, dependent children, parents and parents-in-law

      Renewability

      Lifelong

      Inclusions of Star Health Insurance for Family

      The following coverage is available under Star Health Insurance for family:

      • In-patient Hospitalization Expenses
      • Day Care Treatments
      • Organ Donor Expenses (under Comprehensive and Family Health Optima plans)
      • Pre-hospitalization Expenses
      • Post-hospitalization Expenses
      • Domiciliary Hospitalization (under Comprehensive and Family Health Optima plans)
      • Road Ambulance Expenses
      • Air Ambulance Expenses (under Comprehensive and Family Health Optima plans)
      • Modern Treatments
      • Cataract Surgery
      • Outpatient Benefit
      • New Born Baby Expenses (under Comprehensive and Family Health Optima plans)
      • AYUSH Treatment (under Comprehensive and Family Health Optima plans)
      • Second Medical Opinion (under Comprehensive and Family Health Optima plans)
      • Accidental Sum Insured for Road Traffic Accident (under Family Health Optima and Young Star plans)
      • Delivery Expenses (under Comprehensive and Young Star plans)
      • Hospital Cash Benefit (under Comprehensive and Young Star plans)
      • Emergency Domestic Medical Evacuation(under Family Health Optima plan)
      • Compassionate Travel (under Family Health Optima plan)
      • Bariatric Surgery (under Comprehensive Insurance plan)
      • Assisted Reproductive Treatment (under Family Health Optima plan)

      Optional Covers:

      • Buy Back Pre-existing Diseases

      Exclusions of Star Health Insurance for Family

      Star Health Insurance for family comes with the following exclusions:

      • Injury or illness arising out of war or nuclear radiations
      • Cosmetic surgery or plastic surgery
      • Obesity and weight control treatments
      • Intentional self-injury
      • Sterility and infertility treatments
      • Sexually Transmitted Diseases, except for HIV AIDS

      For a detailed list of exclusions, please refer to the policy wordings of Star Health Insurance plans for families.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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