The term "good health" refers to total mental, bodily, and social well-being, not just the absence of disease. When living a healthy lifestyle, health insurance coverage is still attainable. However, if one of your loved ones contracts a disease, they may not be eligible for comprehensive health insurance coverage. It might be challenging to anticipate or prevent some medical catastrophes. However, Star health insurance plans factor in the same while customising their health insurance to their clients' needs. In short, various options of Star health insurance plans assist you to soothe anxieties, facilitate quality care, provide quick intervention for people affected, and allow them to concentrate more on healing. Check out these plans, as they help to make you an informed call:
Star Family Health Optima Insurance Plan
The sum insured limit for the Star Family Health Optima Insurance Plan is INR 25 lakh. It provides comprehensive coverage for the entire family, including domiciliary care, newborn baby expenditures, donor expenditure coverage, and assisted reproductive treatment. For claimants over 60, a 20% co-pay applies to each claim.
Star Senior Citizens Red Carpet Insurance Plan
The maximum sum covered under this plan, specifically designed for older citizens aged 60 to 75 years, is INR 25 lakh. Pre-existing conditions are covered beginning in the second year without a pre-insurance medical exam.
Star Comprehensive Insurance Plan
Both the cost of therapy and the rent for the room is uncapped. The policy covers a wide range of health conditions with a sum insured ranging up to INR 1 crore. A second opinion is available, as is an air ambulance.
Star Health Gain Insurance Plan
The age range for purchasing this plan is 91 days to 65 years old. You and your family, including your spouse and any dependent children, are covered under this Star health insurance plan.
Young Star Insurance Policy
This health programme is specifically created for young individuals aged 18-40 years who want to live healthy lives for both themselves and their families. The sum insured under this plan can extend beyond INR 15 lakh.
You will be eligible for various benefits, including incentive-driven wellness programs, the shortest waiting periods, pre- and post-hospitalization expense coverage, annual checkups, automatic restoration of the sum insured, etc.
Star Novel Coronavirus (nCoV) (COVID-19) Policy
It is a cost-effective coverage that pays for COVID-19 costs. You have two options for insured sums: INR 21,000 and INR 42000. Additionally, the waiting period is just 16 days. If you have minor children, you can insure them through this medical plan as well.
Star Arogya Sanjeevani Policy
It is a one-year coverage that is both affordable and flexible. You can get this insurance on an individual or family floater basis. You can obtain coverage for kids between the ages of three months and 25 if you are between the ages of 18 and 65.
Star Corona Rakshak Policy
This is among the top COVID coverage health insurance policies in India. When a government-approved centre diagnoses you as having the coronavirus, the insurer pays a 100% lump sum amount. The sum insured under this plan ranges from INR 50,000-2.5 lakh.
Star Corona Kavach Policy
This policy protects you from unforeseen medical costs associated with COVID treatment. Adults must be 18 to 65 years old and dependent children must be 1 day to 25 years old for enrollment under this plan.
Star MediClassic Insurance Plan
This health insurance plan covers anyone between the ages of 16 and 65, and there is no upper age limit for renewals. Sum insured options can range from INR 3-25 lakh. The coverage extends to mental and psychosomatic conditions.
Star Super Surplus Health Insurance Plan
You can purchase this top-up plan to increase your policy sum insured at a low cost. No pre-medical examinations are necessary. There are two variations available: Silver Plan and Gold Plan. As this is a super top-up plan, deductibles apply when raising a health insurance claim. Silver Plan has a sum insured of INR 10 lakh with a deductible of INR 3-5 lakh. Whereas the sum insured and deductible under Gold Plan ranges from INR 5 lakh-1 crore and INR 3-25 lakh, respectively.
Star Cancer Care Gold Insurance Plan
This programme is especially developed by Star health insurance for cancer patients. It also covers metastasis that is unrelated to the initial malignancy and pays 50% of the money insured in a single sum.
Star Diabetes Safe Insurance Plan
It covers the cost of hospitalisation for complications of both Type 1 and Type 2 diabetes. Any diabetic patient between the ages of 18 and 65 can purchase this plan. You can get covered for up to INR 10 lakh.
Star Cardiac Care Insurance Plan
It covers hospitalisation expenses related to heart ailments and is available in two types: silver and gold.
Star Net Plus Insurance Plan
This approach is intended exclusively for children with autism conditions.
Star Care Micro Insurance Plan
It covers 405 daycare therapies and is available in individual and family floater options for residents of Tier I and Tier II cities.
Star Criticare Plus Insurance Plan
It covers nine specific serious illnesses and pays out in a single sum upon diagnosis. The maximum sum insured available under the plan is INR 10 lakh.
Star Family Delite Insurance Plan
It is a low-cost medical insurance policy designed to cover your complete family, with the sum covered supplied on a floater basis.
Star Special Care Health Plan
This health plan covers autistic children's medical bills. You can purchase this health plan for children between the ages of 3 and 25. Occupational therapy, behavioral therapy, speech therapy, and physiotherapy are some of the specialty coverage options available with this health plan. The sum insured for the plan is INR 3 lakh.
Star Micro Rural and Farmers Care
This health insurance plan is designed to ensure everyone has access to good health care and hospitals, irrespective of where you reside or how much you earn. This health insurance policy is intended to protect our rural population and farmers.
It is an individual health insurance plan with a sum insured of INR 1 lakh and a family floater health insurance plan with a sum insured of INR 2 lakh.
Star Hospital Cash Insurance Policy
When you are hospitalised, this health insurance plan offers daily hospital cash. The policy can be used as an add-on to any of Star Health's medical plans. You can get cash-in-hand advantages worth up to INR 5,000 every day for the number of days you choose.
Star Outpatient Care Insurance Policy
This health insurance plan, which has a sum insured of INR 25,000-1 lakh, covers outpatient treatment costs such as consultant fees, pharmacy bills, payments for X-rays, investigations and diagnostics, physiotherapy, etc. This health insurance plan is available in three variants: Silver, Gold, and Platinum. Take advantage of premium discounts of up to 25% every two consecutive claim-free years.
Conclusion
In today's world, health insurance is a must. If you already have a Star health insurance policy or are looking for trustworthy protection, you can upgrade to any of the Star health insurance plans listed above.
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