Star Health Insurance for NRIs

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      Overview of Star Health Insurance for NRI

      Star Health Insurance for NRI provides medical coverage to non-resident Indians (NRIs) during their stay or visit to India. They cover the medical expenses incurred on availing treatment for an accidental injury or an illness, including hospitalization. Star health insurance plans also offer multiple benefits to NRIs, including automatic restoration of the sum insured, no pre-medical screening and a cumulative bonus.

       
      Star Health Insurance Plans for NRI in Detail:
      Star Comprehensive Insurance Plan

      The Star Comprehensive Insurance plan is available with a sum insured of Rs 5 lakh to Rs 1 crore.

      Coverage Benefits:

      • Both hospitalization expenses and outpatient medical consultations are covered
      • Delivery & newborn baby cover and bariatric surgery cover are available
      • Automatic restoration of the sum insured and cumulative bonus are available
      • Buy Back Pre-Existing Disease and health check-up facility are also available
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      Star Health Assure Insurance Plan

      The Star Health Assure Insurance plan comes with a sum insured of Rs 5 lakh to Rs 2 crore.

      Coverage Benefits:

      • Hospitalization expenses, non-medical items and home care treatment are covered
      • Chronic severe refractory asthma and rehabilitation & pain management cover are available
      • Delivery expenses, In utero fetal surgery and assisted reproduction treatment are covered
      • Annual health check-ups, automatic restoration of the sum insured and cumulative bonus are available
      Read more
      Star Senior Citizens Red Carpet Health Insurance Plan

      The Star Senior Citizens Red Carpet Health Insurance plan is available with a sum insured of Rs 1 lakh to Rs 25 lakh.

      Coverage Benefits:

      • Outpatient consultation and in-patient hospitalization cover are available
      • Emergency ambulance charges and pre-post hospitalization expenses are covered
      • Cost of health check-ups are covered after every claim-free year
      • Modern treatments and all day care procedures are covered
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      Star Young Star Insurance Plan

      The Star Young Star Insurance plan comes with a sum insured ranging from Rs 3 lakh to Rs 1 crore. The plan is available in two variants – Gold and Silver.

      Coverage Benefits:

      • Coverage for in-patient hospitalization and pre-post hospitalization are available
      • Cost of health check-ups, e-medical opinion and road ambulance charges are covered
      • Delivery expenses and hospital cash benefit are available under the Gold plan only
      • Automatic restoration of the sum insured and cumulative bonus are available
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      Star Woman Care Insurance Plan

      The Star Woman Care Insurance plan is available with a sum insured ranging from Rs 5 lakh to Rs 1 crore.

      Coverage Benefits:

      • Cost of delivery, in utero fetal surgery/repair, voluntary sterilization and newborn baby treatment are covered
      • Star mother cover, assisted reproduction treatment, ante-natal care and accidental miscarriage are available
      • Hospitalization expenses, non-medical items and outpatient expenses are covered
      • Preventive health check-ups, cumulative bonus and automatic restoration of the sum insured are available 
      • Cancer cover is available as an optional benefit
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      Star MediClassic Insurance Plan

      The Star MediClassic Insurance plan comes with a sum insured ranging from Rs 1.5 lakh to Rs 25 lakh.

      Coverage Benefits:

      • In-patient hospitalization, organ donor expenses and modern treatments are covered
      • Psychiatric and psychosomatic disorder and shared accommodation benefit are available
      • Health check-ups, newborn baby expenses and domiciliary hospitalization are covered
      • Automatic restoration of the sum insured, cumulative bonus and super restoration are available
      • Patient care and hospital cash benefit are available as optional cover
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      Star Hospital Cash Insurance Plan

      The Star Hospital Cash Insurance plan is available with a sum insured ranging from Rs 1000 to Rs 5000 per day. The plan comes in two variants – Basic and Enhanced.

      Coverage Benefits:

      • Sickness hospital cash and childbirth hospital cash are paid
      • Accident hospital cash and ICU hospital cash are available
      • Convalescence cash benefit and worldwide hospital cash are paid
      • Day care procedures are also covered
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      Star Super Surplus Insurance Plan

      The Star Super Surplus Insurance plan comes with a sum insured amount ranging from Rs 5 lakh and Rs 1 crore. The plan is available in two variants – Silver and Gold.

      Coverage Benefits:

      • Hospitalization expenses, modern treatments and day care procedures are covered
      • Coverage for pre-post hospitalization and e-medical opinion are available
      • Delivery expenses, organ donor expenses and recharge benefit are covered under the Gold plan
      • Both emergency road ambulance and air ambulance are available
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      Star Family Health Optima Insurance Plan

      The Star Family Health Optima Insurance plan is available for a sum insured ranging from Rs 3 lakh to Rs 25 lakh.

      Coverage Benefits:

      • Hospitalization benefit, assisted reproduction treatment and compassionate travel are available
      • Road ambulance, organ donor expenses and second medical opinion are covered
      • Recharge benefit, cumulative bonus and automatic restoration of the sum insured are available
      • Cost of health check-ups and emergency domestic medical evacuation are covered
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      Star Cardiac Care Insurance Plan

      The Star Cardiac Care Insurance plan comes with a sum insured of Rs 3 lakh and Rs 4 lakh. The plan is available in two variants – Gold and Silver.

      Coverage Benefits:

      • Coverage for cardiac ailments, outpatient expenses and ambulance expenses are available
      • Cataract surgery, day care procedures and modern treatments are covered
      • Personal accident cover and non-cardiac ailments are available
      • Both pre and post-hospitalization expenses are covered
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      View more plans

      Benefits of Star Health Insurance for NRI

      As an NRI, check out the key benefits of buying a Star health insurance policy:

      • No Pre-Acceptance Medical Screening Required – Almost all Star health insurance plans can be purchased without the need for a pre-medical screening.
      • Faster Settlement of Claims – The insurer follows a fast claim settlement process that approved most of the claims within 2 hours.
      • In-house Claim Settlement – The company has an in-house claim settlement team that makes the process quick and hassle-free. 
      • Tax Benefits – Star health insurance premiums can be claimed for tax deductions under Sec 80D of the Income Tax Act.

      How to Buy Star Health Insurance for NRI?

      An NRI should follow the steps given below to buy a Star health insurance policy online in India:

      Step 1: Visit the official website of Policybazaar.com

      Step 2: Click on the ‘Health Insurance’ icon and enter your gender & name

      Step 3: Choose the people to be insured and enter their age

      Step 4: Select the city of your permanent residence in India 

      Step 5: Fill in your international phone number

      Step 6: Choose if anyone is suffering from an existing illness

      Step 7: Pick the Star health insurance policy to be purchased and pay the premium online

      Step 8: Your Star health insurance policy will be issued.

      How to Renew Star Health Insurance for NRI?

      Here is a step-by-step procedure that NRIs can follow to renew their Star health insurance policy:

      Step 1: Visit Policybazaar.com and click on the ‘Renew Your Policy’ menu

      Step 2: From the dropdown menu, select the ‘Health Renewal’ option

      Step 3: Enter your phone number along with your country code

      Step 4: Fill in the OTP received on your phone

      Step 5: New NRI users can click on the ‘health insurance’ icon on the homepage

      Step 6: Provide the requested details

      Step 7: Choose the Star health insurance plan for NRI that you want to buy

      Step 8: Pay the renewal premium online

      Step 9: Your Star NRI health insurance policy will be issued

      How to File a Claim with a Star Health Insurance Plan for NRI?

      NRIs can follow the steps given below to file a claim with Star health insurance:

      1

      Claim Intimation

      Intimate the claim by approaching the network hospital help desk of the insurance company

      2

      Show Health Card

      Display your health card to the hospital authorities for identification purposes

      3

      Submit the Required Documents

      Fill in a pre-authorization form and submit it along with other documents to the insurance company

      4

      Cashless Claim Approval

      The insurer will verify the documents and grant pre-authorization for cashless treatment.

      5

      Claim Settlement

      The claim amount will be paid to the network hospital directly.

      Note: For reimbursement claims, pay the full hospital bill, collect all the documents and submit them to the insurer within 15 days of getting discharged. The claims team will review the documents and transfer the claim amount to your bank account.

      Policybazaar exclusive benefits
      • On ground claims 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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