Guide to Health Insurance Plans Offered by Star Health Insurance

Guide to Health Insurance Plans Offered by Star Health Insurance

A health insurance policy is a product through which a person can pay for his / her healthcare expenses. It is a kind of financial protection against the medical expenses incurred by the insured. Part of the medical costs born by the policy holder are paid by the insurance company, which pays in return for a premium payment on the life of the policy.

Over the years, the need for health insurance policy is increasing. Inflation in healthcare is higher than other categories of food inflation, compared to inflation. For those who do not have sufficient savings, managing funds for healthcare emergencies can be very difficult. This problem can be solved by taking a health insurance policy. Different policies available in the market allow one to choose a plan that fits its needs. Health insurance policies pay for health costs by paying immediately, considering the need for medical and surgical expenses.

Three types of health insurance in India are available:

Hospitalization plans: This scheme is also known as a damaged plan. This type of insurance policy covers the cost of entering the hospital subject to the limit of insurance. This policy can be taken for personal or family foler basis.

Hospital Daily Cash Benefit Plans: These policies provide a daily amount for every day of hospitalization. The amount paid is fixed and not based on actual hospitalization expenses.

Severe illness plans: For these types of policies illnesses and other medical conditions are pre-determined. A large sum is paid on the diagnosis of these serious illnesses. These policies generally provide high coverage and charge a higher premium because the cost of treatment for these illnesses is high.

About Star Health Insurance:

Star Health Insurance is a leading health insurance company in India. Star Health Insurance started its operations in India in 2006. It is the main focus of the health insurance company's health insurance and accident policies. The company has more than 8500 hospitals in its network. The company has received various awards including the best health insurer for the year 2017, the best health insurer in the Outlook Money Awards in 2016, the Basic Health Insurance Provider Year 2016-17 for 2016-17, and other Corporate Excellence Awards.

Star Health Insurance offers various products, including personal and family floater policies, policies for senior citizens, serious illness policies and specifically designed policies for groups of groups. Some of the plans are shown below:

1. Family Health Optimization Insurance Plan:

This Star Health Insurance Plan provides protection for the whole family in a single policy on affordable premiums. Family may include policy holders, spouses and dependent children. This policy provides lifetime renovation for more than 65 years. The policyholder can claim tax benefits for the amount paid by cash other than cash. The benefits offered by the policy are:

• Pre and post hospitalization expenses: The cost of hospitalization 60 days prior to admission to this policy and the cost of post-hospital expenses after 90 days of discharge.
• Health Check-up Costs: The expenditure incurred for health screening is covered.
• Assisted Reproductive Remedy: For every 36 months period For the policy of 10 lakh and above, Rs. 5 lakh and Rs. For the benefit of sub-fertility of Rs 2 lakh, Rs. Cost of treatment for one lakh
• Road traffic accidents: If the sum assured is Rs. If you are limited to 5 lakh, then increase the amount of insurance to Rs. 5 lakhs will be made. If applicable, the policy holder was wearing helmets and riding on two wheels.
• Bonus: In the case of claim-free-er, 25% bonus of the revised amount will be approved in the second year and an additional 10% will be allowed for subsequent year.

2. Star Compensation Insurance Policy:

This policy by Star Health Insurance is taken on the basis of personal and family floater. This policy allows renovations without any higher boundaries above the age. The policyholder can claim tax benefits for the amount paid by cash other than cash. The benefits of this policy are:

• Cost shield: It covers hospitalization costs for at least 24 hours. The cost of entering the first hospital up to 30 days before the admission in this policy and the cost of admission to the hospital after 60 days after the discharge. In case of emergency, an ambulance charge is also covered.
• New born expenses: Pre-natal and cost-related expenses are covered under the policy subject to the limit. Vaccination costs up to Rs.1000 are also covered.
• Accidental Death and Persistent Total Disablement: The costs for it are covered up to the sum assured amount.
• Health Checkup: Once every three claims, the cost of health check once in free terms.
• Hospital Cash Advantage: This is available for every full day in the hospital.
• Second Medical Opinion: There is an option to seek other medical advice from doctors mentioned in the insurance company's network through electronic mode.
• Bonus: 50% of the amount is allowed after the free period of claim.

3. Medieval-classic insurance policy (personal):

In this policy, in case of illnesses and accidents, the policyholder provides a cover for the cost of hospitalization and ensures stress-free recovery. The benefits of the scheme are:

• Policy Term: If the policy is taken for 2 years, 5% discount is made available on premium paid for 2 years.
• Hospitalization Expenses: This includes rooms, nursing charges, medicines, advisory fees, and specializations. 30 days before the cost of hospitalization as a single term payment as per the specified limit and the costs of getting pre-hospitalization.
• Add-ons: Paid additional premium, patient care and hospital cash can be used.
• Health check-up: The cost of health screening can be claimed for every 4 claims free year.
• HIV Coverage: This scheme can also be obtained by HIV positive people, subject to the provision of proof of more than 350 CD4 at the time of admission.
• Bonus: 5% bonus up to maximum 25% of each claim is given for free period. This benefit is not available for family floater plans.

4. Senior Citizens Red Carpet Health Insurance Policy:

This policy is for people aged 60 to 75. Pre-acceptance of this policy offered by Star Health Insurance does not require a medical examination. The benefits given are:

• Higher Sum Assured: This policy costs Rs. Coverage of up to 10 lakhs.
• Discounts: If a policy is purchased online, a 5% discount on the premium can be obtained.
• Hospitalization Coverage: Coverage for expenses for at least 24 hours of admission. Ambulance charge is also included.
• Medical Advice: Expenses for medical advice in the network of hospitals covered to the specified limit. The policy also covers defined day-care processes.

5. Star Health Benefit Insurance Policy:

This policy allows a person to choose the sum insured and the premium, so that relief can be provided. The benefits of this plan are:

• Cover Expenses: The cost of entering the pre hospital for 30 days before the admission in this policy and the cost of admission to the hospital after 60 days after the discharge. Ambulance charges up to a maximum of Rs. 750 and Rs. All day care procedures included
• Co-payment: 20% co-payment for each claim of new and renewed policies for the age group of 60 years of age, at which policy holder who is entering admission at the time of admission.
• Patient Benefit: Without waiting, medical costs are met in the hospital's network.
• Next: Immediate immediate policy for renewal of a policy term can be carried out next to the renewal period.

6. Super Surplus Insurance Policy:

Both of them are available on a personal and a floater basis. There are two schemes on offer- Silver Plan and Golden Plan. The advantages are:

• Expenses: The cost of hospitalization including nursing, room and boarding costs Rs. Expenditure up to 4000 The cost of hospitalization expenses and hospitalization for the first 30 days of the first 30 days of hospitalization after the discharge.
• Migration Option: Once this policy is constantly renewed for 5 years, the policy holder may choose to change any other inaccuracy based policy.
• Co-payment: 10% when the time of admission is more than 60 years.

7. Diabetes Safe Insurance Policy:

This policy is available for people aged 18 to 65 who are suffering from diabetes mellitus. These benefits are:

• Expenses: All costs of nursing, boarding, room, medicines, hospitalization expenses due to diabetes complications covered. Apart from diabetes complications are also covered.
• Personal Accident: Death is paid by an accident to the insured for death on the 100 percent sum assured of the insured.
• Patient expenses: The costs of diagnostic tests and medical advice are covered.

8. Star Cardiac Care Insurance Policy:

This policy offers two plan options - Gold Plan and Silver Plan. This policy can be obtained for anyone who is between the ages of 10 and 65 and has passed any of the following procedures - PTCA Or CBG, VSD / ASD, PDA treatment and correction of RF ibilation. The benefits of the scheme are:

• Hospitalization Cost: Hospitalization costs for at least 24 hours covered under policy. For the first 30 days of hospitalization and up to 7% of hospitalization expenses or Rs. The cost of recruitment of 5000, which is covered under the cost of the hospital before it is covered from below.
• Cardiac Sections: After waiting for 90 days, this policy covers the treatment of cardiac ailments.
• Patient expenses: Rs. Rs. 500 and Rs. 1500 is covered under the scheme.
• Personal Accident: If the insured gets in the accident and dies within 12 months from the date of accident, the sum insured will be paid by the company in this case.

9. Star Cancer Care Gold:

This product is its first type of health insurance policy for cancer patients. This plan is a limited time offer. Anyone can use this policy for 5 months to 65 years. The benefits given are:

• Cost: Pre-hospitalization costs 30 days to complete and expenses after hospitalization covers after 60 days. All costs covered in medical costs cover medical expenses, room rent, boarding, nursing expenses. Rs. Per emulation Up to 1500 ambulance charge and Rs. 2000 for the policy term.
• Co-payment: 10% if the insured is above 60 years of age at the time of admission.
• Defect cover: Coverage for costs of accidents and other diseases other than other cancers.

10. Star Net Plus:

This policy by Star Health Insurance is the first policy in the country that provides health cover for HIV-positive people. NGOs, Societies and Agencies Who H.E. Those who serve with V can offer proposals for their insurance to their members.

11. Star Special Care:

This health insurance plan is a policy designed specifically for autistic children. Any child between the ages of 3 to 25 years can be covered under this plan. The benefits given are:

• Sum Assured: Rs. Provides an insured amount of 300000
• Expenses: The plan covers the cost of hospitalization up to 5000 every day. The cost of some procedures will be paid according to the terms specified in the policy document.
• Co-payment: 20% co-payment for each claim.

The health insurance policy has become essential today, in which the rising health of rocketing health costs in the sky and lifestyle and other diseases. It is important to protect yourself financially and to protect the family for unexpected circumstances. While choosing a health insurance policy, one should be careful and take into account all the necessary factors. Star Health Insurance provides the right plans for each needs and needs and individuals can make the best use of health insurance policies through these schemes.