What is health insurance?
According to a health insurance policy, the insurance provider covers hospital expenses in the event of an emergency, including medical bills, consulting fees, ambulance fees, etc., which are covered by the health insurance company.
You have to pay a premium at a set time in order to receive health insurance. Your spouse, children, parents who are dependent on you, and other family members are all eligible for health insurance.
What is Star Health Insurance?
Basically, Star Health Insurance is a family health insurance policy that offers the best coverage to the family members under the sum insured. This insurance policy provides coverage up to Rs. 1 crore, and it comes under the top 3 best health insurance policies in India.
In Star Health Insurance, if you take the covered amount of Rs 5 lakhs, then you will have a premium of Rs 690.
Star Health Insurance policy gives the advantage of cashless hospitals, and this company has tie-ups with more than 14,000 hospitals.
Star Health Insurance provides pre-hospitalization expenses before 60 days and post-hospitalization expenses after 90 days, and it also provides the expenses of single private AC rooms.
Star Health Insurance also covers the expenses of COVID-19 variants.
List of Star Health Insurance Plans for Family:
Here is a list of the four main plans of the Star Health Insurance Policy:
| PLANS | SUM INSURED | PRE-EXISTING DISEASES WAITING PERIOD |
| Star Health Gain Insurance Plan | 1 lakh to 5 lakh | 48 months |
| Star Family Health Optima Insurance Plan | 3 lakh to 25 lakh | 48 months |
| Star Comprehensive Insurance Plan | 5 lakh to 1 crore | 36 months |
| Star Young Star Insurance Plan | 5 lakh to 1 crore | 12 months |
What are the benefits of Star health insurance plans for family?
1) They are among the top 3 standalone companies that provide health insurance and have more than 14,000+ hospitals in their network.
2) The incurred claim ratio means the amount of premium collected by the company from it’s users and how much they have returned to the user’s during the claim of health insurance (63%), which is considered a good healthy ratio.
3) The Star health insurance policy provides both individual and family-insured health insurance policies, and you can experience any of them according to your suitability. In family insurance, you can add up to 6 adults and 3 children. The age of adult to enroll in the policy is between 18 and
75 years and for children, it is between 16 days and 17 years.
4) Sum insured: It means, during claim time, how much would be the limit’s
Provided up, in Star Health Insurance Policy, it’s quite flexible because the minimum you can get the insurance policy is 5 lakhs, and the maximum it could go up to 2 crores. But if your age is above 65 years, then the maximum sum insured for you is up to 50 lakhs.
5) In hospitalization expenses:
The star health insurance policy covers the expenses of hospitalization
If it is for more than 24 hours, then all the medical expenses, like ICU charges, consultation fees, surgeon costs, diagnostics charges, anesthesia charges, medicine fees, operation theatre charges, and blood/oxygen charges, are covered under the policy.
How to claim the Star Health Insurance Plans for family
The process of claiming the health insurance plan is done in offline mode
1. You have to visit the insurance desk at the reception office in the hospital where you are getting the treatment.
2. Display ID for verification purpose.
3. The doctor from their team will evaluate the documents. After the verification, they will proceed with your process of claiming health insurance from star health insurance plan according to the terms and conditions you have opted for.
4. They would again re-check your identity and the claim form you asked for to get permission from the company to pay for the medical treatment.
5. You would assign the doctor who would have experience in doing this field of work to make the claim process simpler for you.
6. After the completion of all the necessary formalities , the claim would be
proceeded to your bank account according to the terms and conditions of
your star health insurance plan.
NOTE: If you have any query related to the insurance plan or the claim,
you can contact Star health insurance claim status customer care to
resolve the query.
Process to renew the Star Health insurance plan:
To renew the Star Health Insurance Plan, you have two options:
1.Offline mode
In offline mode, you have to visit the nearest branch of Star Health, and in the branch, they will guide you step-by-step.
2.Online mode
Step 1:In online mode, you have to visit the official website, “www.starhealth.in” then click on the ‘renewal’ tab, which will take you to the renewals section of your Star Health Insurance policy.
Step 2:After reaching the renewal section, provide the necessary details, like:
policy number, email ID, date of birth and registered mobile number in the
renewal form.
Step 3:After entering the details, you will get the cost of the insurance premium, and after clicking on the proceed button,.
Step 4:It will redirect you to the payment gateway system where you can pay for your renewal policy through UPI, credit card, debit card, or via net banking.
Step 5:Click on the purchase policy button.
Step 6:After the Star Health Insurance renewal plan is complete, the individual will get notifications about the renewal of the Star Health Insurance plan.
Prohibition under star health insurance plans for family
1. No rebates are allowed: According to Section 41 of the Insurance Act 1938 in India, no one has the permission to take or give a special discount or incentive during the process of buying or renewing life, health, or property insurance policies.
2. Commission and Premium Rebates: According to this, neither the health insurance company nor the individual who is taking the insurance are allowed to give or accept any sort of special discount on fees or premiums that are clearly stated in the policy.
3.Exceptions: According to it, the only discounts that an individual is allowed to have are those that are written in the company’s official brochures or price lists.
4. Financial Risk Coverage: After taking the health insurance, it will help protect you and your family from financial problems in the event of unexpected medical emergencies.
5. Savings Protection: A good health insurance plan will help you keep your savings and other belongings safe during big medical bills.
6. Family Floater Plan: In this sort of health insurance plan, you can cover your whole family under one health insurance policy, even if they are living in different places or different parts of the country.
7. Coverage for Diagnostic Charges: Health insurance typically also covers or pays for tests like X-rays, MRIs, and ultrasounds that are generally used by doctors to diagnose health problems.
8. Treatment for Existing Diseases: Some of the health insurance plans are present, which help you pay for the treatment of health issues you are suffering from before taking the health insurance.
9. Critical Illness Benefits: In some health insurance plans, you have to pay a one-time payment if you are suffering from a serious illness.
10. Cashless Hospitalization: In cashless hospitalization, you don’t have to pay the hospital bill by yourself; instead, it’s paid by the health insurance company. In order to do that, you should have a health card because it will cover the insurance details, making it easier for the hospital to verify your insurance coverage, and the process of payment will be handled easily without you having to pay.