Star Health Insurance for Parents

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      Star Health Insurance for Parents

      Star Health and Allied Insurance Company provides parents with multiple insurance options, including senior citizen health plans, cardiac care, and women's care plans. The insurance coverage ranges from Rs 1 lakh to Rs 1 Crore to help pay for serious illness for people above the age of 45 years.Star Health Insurance for parents also offers benefits such as emergency ambulance services, modern treatments, day-care treatment, international emergency services, and access to state-of-the-art treatment.

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      Key Benefits of Star Health Insurance for Parents

      These are the most prominent benefits of the Star Health Insurance for insured parents:

      • Cashless hospitalisation facilities available at network hospitals
      • Ayush treatment coverage for inpatient hospitalisation and day-care treatments
      • No pre-acceptance medical screening required
      • Installment facility available for premium payments (quarterly, half-yearly, annually, biennially, or triennially)
      • Coverage is provided for the room, boarding, nursing expenses, surgeon fees, anaesthesia, operation theatre charges, emergency ambulance charges, pre-hospitalisation and post-hospitalisation expenses, and modern treatments (depending on the chosen policy)
      • Add on available for Lump sum amount on diagnosis of Cancer
      • Option for individual or floater sum insured
      • Emergency assistance services are available
      • Discount in premium for submitting health checkup reports
      • Tax benefits available under Section 80D of the Income Tax Act

      Star Health Insurance Plans for Parents

      Take a look at the various Star Health Insurance plans suitable for parents:

      Plan Name Sum Insured Pre-existing Diseases Waiting Period Co-Payment
      Senior Citizens Red Carpet Health Insurance Rs 1 lakh to Rs 25 lakhs 2 years 30% for all claims
      Star Health Premier Insurance Rs 10 lakhs to Rs. 1 crore 2 years 20% for insured persons above 65 years of age
      Star Cardiac Care Insurance Rs 3 lakh and Rs 4 lakh only 4 years for pre-existing diseases and 2 years for specified diseases/procedures 10% for insured persons aged 61 years and above at the time of entry

      Eligibility Criteria for Star Health Insurance for Parents

      The eligibility criteria to buy Star health insurance for parents is given below:

      Plan Name Minimum Entry Age Maximum Entry Age Renewability
      Senior Citizens Red Carpet Health Insurance 60 years 75 years Lifelong
      Star Health Premier Insurance Adults: 50 years for the primary member

      Dependent Children: 3 months
      Adults: No maximum age limit

      Dependent Children: 25 years

      Lifelong
      Star Cardiac Care Insurance 10 years 65 years Lifelong
      Star Women Care Insurance Females: 18 years

      Dependent Children: 3 months

      Females: 75 years

      Dependent Children: 25 years

      Lifelong

      Inclusions of Star Health Insurance for Parents

      The coverage offered under different Star health plans for parents are given below:

      Coverage Senior Citizens Red Carpet Plan Star Health Premier Plan Star Cardiac Care Plan Star Women Care Plan
      In-patient hospitalisation expenses
      Pre-hospitalisation medical expenses
      Post-hospitalisation medical expenses
      Day care treatment
      Domiciliary hospitalisation X X
      Road ambulance cover
      Organ donor expenses X X
      AYUSH treatment X X
      Domestic emergency assistance services X X X
      International emergency assistance services X X X
      Second e-opinion on major illnesses X X X X
      Home treatment X ✓ (up to 10% of sum insured) X X
      Modern treatments ✓ (up to 50% of sum insured)
      OPD treatment ✓ (limited coverage) X ✓ (under Section 3) X
      Mental Illness Hospitalisation X X X X
      Obesity treatment X X X X
      Post-hospitalisation physiotherapy cover X X
      Premium waiver X X X X
      Dental consultation & investigations X X X X
      International coverage for major illnesses X X X X
      Personal accident cover X X ✓ (under Section 4) X

      Optional Cover (Purchased as Add-ons)

      Add-on lump sum on diagnosis of cancer is available at the time of purchasing Star Woman Care Insurance. It can be availed only once in a lifetime.

      Exclusions of Star Health Insurance for Parents

      The following medical expenses are excluded under Star health insurance for parents:

      • Pre-existing diseases (PED) until 2 years/4 years of continuous coverage
      • Surgical treatment of obesity that does not fulfill certain conditions
      • Change-of-Gender treatments
      • Hazardous or adventure sports injuries
      • Treatment for alcoholism, drug or substance abuse
      • Cosmetic or plastic Surgery
      • Specified diseases/procedures until 24 months of continuous coverage

      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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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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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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