9041883189 Star Health Insurance Agent Chandigarh

Plans Offered By Star Health Insurance

Star Health and Allied Insurance Co specialises in health insurance category and has a good variety of plans for its customers. The main focus of the company is to keep the plans affordable so it can be within the reach of the common man.

Most Popular Plans

Star Family Health Optima Insurance Plan

As the name suggests, the plan is meant for the whole family. It is a single policy offering wider coverage at an affordable premium. Any person between the age of 18 and 65 can take this plan and it offers lifelong renewals beyond the age of 65. For every claim-free year it offers free health check-up benefit. It has auto recharge facility with no extra cost. A new born baby is covered from the 16th day under this policy. The policy offers cover for all day care procedures.

This is a single policy which comes with a wider coverage for your entire family at an affordable premium.

Features

  • You get 3X automatic restoration of Sum insured by 100% each time upon complete exhaustion.
  • Option of second medical opinion.
  • Air Ambulance Benefit: 10% of the Sum Insured for the entire policy tenure.
  • Covers pre-hospitalisation expenses for up to 60 days and post-hospitalisation for up to 90 days.
  • Provides newborn baby cover post 16th day after birth and subject to a limit of 10% of the Sum Insured or Rupees Fifty Thousand, whichever is less.
  • Offers Lump-sum for Treatment in Preferred Network Hospital.
  • Entitled to a claim free year bonus of 25% of the expiring basic sum insured in the second year and additional 10% for subsequent years (max.100%)

Eligibility

  • Age at entry is 18-65 years.
  • Beyond 65 years only renewals are allowed.

Star Senior Citizens Red Carpet Health Insurance Policy

This policy is specially meant for senior citizens between the ages of 60 to 75. It does not require any pre-insurance medical test. The policy covers pre-existing disease from the second year onwards. The plan has high sum insured of up to 10 lakhs and has guaranteed life time renewals. If the policy is bought online then a 5% discount can be availed on premium payable.

A health plan designed especially for senior citizens and comes with an option to select Sum Assured of Rs. 10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- or Rs.25,00,000/- on floater basis.

Features

  • The policy is available for 1 / 2 / 3 year.
  • Covers patient hospitalisation expenses for a minimum of 24 hrs.
  • Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation paid as lump-sum up to the limit specified.
  • Covers all day care procedures and pre-existing diseases from the second year.
  • There is no pre-insurance medical check required.

Eligibility

  • Age at entry is 60 to 75 years.

Star Super Surplus

It is a top policy offering high sum insured at affordable premium. The policy can be taken on individual or family floater basis and eligibility age is between the ages of 18 to 65 years. Pre-existing diseases are covered after a waiting period of 36 months. The policy has two plan options- silver and gold.

This is a top-up policy which provides a higher sum assured at affordable premiums. This plan comes in two variants – Silver and Gold.

Sum Insured on Individual Basis for Silver Plan

  • In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day.
  • Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
  • Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60 days.
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • Deductible applied for each and every claim.

Sum Insured on Floater Basis for Silver Plan

  • In-Patient Hospitalization Expenses: Room, Boarding and Nursing expenses subject to a maximum of Rs.4,000/- per day.
  • Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
  • Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60 days
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company.
  • Waiting period for Specific diseases – 24 months
  • Deductible applied for each and every claim

Sum Insured on Individual Basis for Gold Plan

  • In-Patient Hospitalization Expenses: Room (Single Standard A/C Room), Boarding and Nursing expenses.
  • Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
  • Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemakers.
  • Pre and Post Hospitalization – 30 days and 60 days
  • Pre-Existing Diseases / Illness: Covered after 36 months of continuous Insurance without break with any Non-Life Indian Insurance Company
  • When the aggregate of the previous hospitalization during that policy period exceeds a specified limit, the liability of the Company begins. In other words, the deductible is not applied for each and every hospitalization
  • The insured has the option to migrate to any other indemnity based health insurance policy of the Company after the completion of 5 years of continuous renewal of this policy without break or after completion of 60 years of age whichever is later and in such an event the defined limit would become zero. If the insured chooses to continue in this policy, the defined limit would continue to apply.
  • Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.1,500/- per policy period
  • Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.7 lacs and above.
  • Facility of obtaining Medical Second opinion
  • Copay of 10% of each and every where the age at entry is above 60 years

Sum Insured on Floater Basis for Gold Plan

  • In-Patient Hospitalization Expenses : Room (Single Standard A/C Room), Boarding and Nursing expenses
  • Surgeon’s fees, Consultant’s fees, Anesthetist and Specialist’s fees.
  • Anesthesia, Blood, Oxygen, and Operation Theatre charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials, X-ray and Cost of Pacemakers.
  • Pre and Post Hospitalization – 60 days and 90 days.
  • Pre Existing Diseases as defined in the policy until 12 consecutive months of continuous coverage have elapsed; since inception of the first policy with any Indian Insurer.
  • Waiting period for Specific diseases – 12 months
  • The Proposer can opt at the beginning of 6th year before renewal of this policy or later during any successive renewal , for an Indemnity Health Insurance policy without defined limit offered by the Company with continuity of benefits for the average sum insured of immediately preceding 5 years period subject to the following :-
  • All the Insured Persons are insured with the Company under this policy before the age of 50 years and have been continuously renewed without any break
  • No claim has been made during the immediately preceding 5 years.
  • The proposer should exercise this option for all the insured persons.
  • This policy shall not be further renewed if the option is exercised
  • Delivery Expenses: Expenses for a Delivery including Delivery by Caesarean section (including prenatal, post-natal expenses and lawful medical termination of pregnancy) up-to Rs.50,000/- per policy period, subject to a maximum of 2 deliveries in the entire lifetime of the insured person are payable while the policy is in force.
  • Organ Donor Expenses for organ transplantation where the insured person is the recipient are payable provided the claim for transplantation is payable and subject to the availability of the sum insured. Donor screening expenses and post-donation complications of the donor are not payable.
  • Recharge Benefit : If the sum insured under the policy is exhausted/ exceeded during the policy period, additional indemnity up to the limits
  • Emergency ambulance charges for transporting the insured patient to the hospital up to Rs.3,000/- per hospitalization
  • Air Ambulance cover: Up to 10% of the sum insured per policy period for Sum Insured of Rs.10 lacs and above.
  • Facility of obtaining Medical Second opinion
  • Co-pay of 10% of each and everywhere the age at entry is above 60 years

Eligibility Details

  • Age at entry is 18 to 65 years.
  • Age at entry for children is 91 days to 25 years.

Star Health Insurance Comprehensive Plan

This policy is meant for both individual and family covering spouse and dependent children. Any person between the ages of 18 to 65 can enrol in this plan. Dependent children can be covered from 3 months and up to 25 years. There is no cap on room rent and treatment cost. The plan covers for over 400 day care procedures. The plan also has personal accident death and permanent disability equal to health insurance cover at no extra cost. The policy has an attractive 100% increase in sum assured on renewal for claim free year.

Features

  • Hospitalization cover provides for in patient hospitalization expenses for a minimum period of 24 hrs.
  • Air Ambulance Benefit: 10% of the Sum Insured, applicable for sum insured of Rs.7.5 lakhs and above only.
  • Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation for up to 60 days.
  • Provides expenses for Delivery – including Prenatal and Postnatal expenses after a waiting period of 36 months.
  • Automatic coverage for the Newborn.
  • Entitled to hospital cash benefit for each completed day of hospitalization.
  • Cover against Accidental Death and Permanent Total Disablement.
  • Entitled to a claim free bonus at 50% of the basic sum insured.
  • Option for Second Medical Opinion

Eligibility

  • Age at entry: 18-65 years, for children 3 months to 25 years.
  • Comes in both individual and family floater basis.

Star Medi-Classic Insurance Policy

Individual coverage :

Medi-classic is an insurance policy meant only for individuals. The policy can be taken by any person between the ages of 5 months and 65 years. The plan has automatic restoration of entire sum insured by 200%. 101-day care procedures are covered and no claim bonus of 5% which can go to maximum of 25% for every claim free year. Pre-existing diseases are covered after a waiting period of 48 months and policy can be taken by HIV positive person as per applicable conditions.

Features

  • Covers patient hospitalisation expenses for a minimum of 24 hrs.
  • Cover ambulance charges and 101 Day-care treatments.
  • Covers pre-hospitalisation expenses for up to 30 days and post-hospitalisation paid as lump-sum up to the limit specified.
  • Pre-existing diseases and illnesses are covered post 48 months.
  • Comes with Automatic Restoration of Sum Insured.
  • This policy can be taken by HIV positive persons provided the CD4 count at the time of entry is above 350 (proof to be produced).
  • Optional add-on covers include Patient Care and Hospital Cash.

Eligibility

  • Age at entry can be between 5 months and 64 years.
  • Children can only be covered with parents.