Overview
In today's fast-paced world, ensuring the well-being of our loved ones is a top priority. Star Health Insurance understands this need and offers a range of comprehensive health insurance plans tailored specifically for families. Star Health Insurance offers many family health insurance plans, providing a safety net for your loved ones. These plans provide financial protection and coverage for medical expenses incurred by the entire family. This article will explore the key features, benefits, and options available in Star Health Insurance plans for families.
Key Benefits of Star Health Family Insurance Plans
Star Family Health Insurance Plans offers various types of benefits to its policyholders. Below are some of the key benefits of Star Health Insurance Plans for Family:
Extensive Coverage
Star Family Health Plans offers comprehensive coverage to its policyholders, including pre-and post-hospitalization, ambulance cover, maternity benefits, AYUSH treatments, and coverage for critical illnesses.
Flexible Sum-Insured Options
Star Health Insurance offers many family health insurance plans with various sum-insured options, ranging from INR 5 lakhs to INR 5 Crore. You can choose a sum-insured option that fits your family’s needs and budget.
Cashless Network Hospitals
Star Health Insurance has a vast network of cashless hospitals across India. They have over 14,000 network hospitals where you can get hassle-free medical care during emergencies.
Renewal Benefits
Star Family Health Plans reward claim-free years with benefits like health check-ups and automatic enhancement in the sum insured amount.
Add-on Covers
Star Health Insurance for Family offers several add-on riders, such as mid-term inclusion, buyback pre-existing disease, and second medical opinion. You can add any add-on riders to your basic Star Family Health Plan by paying an additional premium.
Family Health Plans offered by Star Health Insurance
Star Health Insurance offers various family health plans designed for individuals and families. We "RenewBuy" have made a list of these plans along with their coverage benefits and eligibility criteria as given below:
Star Health Insurance Comprehensive Plan |
Coverage Benefits
- Covid-19 Treatment
- Hospital Daily Cash
- Maternity Cover
Eligibility Criteria
Entry Age: 91 days to 65 years
Sum Insured: 5 Lakhs to 1 Cr
Star Family Health Optima Insurance Plan |
Coverage Benefits
- Domiciliary Hospitalization
- Air Ambulance
- Cataract Treatment
Eligibility Criteria
Entry Age: 91 days to 65 years
Sum Insured: 1 Lakh to 25 Lakhs
Star Young Star Insurance Policy |
Coverage Benefits
- ICU Charges
- Daycare Treatment
- Covid-19
Eligibility Criteria
Entry Age: 91 days to 40 years
Sum Insured: 3 Lakhs to 1 Cr
Star Health Arogya Sanjeevani Plan |
Coverage Benefits
- Room Rent
- Modern Treatment
- AYUSH Treatment
Eligibility Criteria
Entry Age: 91 days to 65 Years
Sum Insured: 50K to 10 Lakhs
Star Medi Classic Insurance Plan |
Coverage Benefits
- Daycare Treatment
- Domiciliary Hospitalization
- Automatic Restoration
Eligibility Criteria
Entry Age: 16 days to 65 Years
Sum Insured: 1.5 Lakhs to 25 Lakhs
Star Health Gain Insurance Plan |
Coverage Benefits
- Cataract Treatment
- Daycare Treatment
- Ambulance Cover
Eligibility Criteria
Entry Age: 91 days to 65 Years
Sum Insured: 1 Lakhs and 5 Lakhs
Senior Citizen Red Carpet Health Insurance Policy |
Coverage Benefits
- Cataract Treatment
- Daycare Treatment
- Lifelong Renewability
Eligibility Criteria
Entry Age: 60 Years to 75 years
Sum Insured: 1 lakh to 25 Lakhs
Star Health Premier Insurance Policy |
Coverage Benefits
- Air Ambulance
- Ayush Treatment
- Domiciliary Hospitalization
Eligibility Criteria
Entry Age: 50 Years to no upper limit
Sum Insured: 10 Lakhs to 1 Crore
Star Health Assure Plan |
Coverage Benefits
- Air Ambulance
- Domiciliary Hospitalization
- Home Care Treatment
Eligibility Criteria
Entry Age: 18 years to 75 years
Sum Insured: 5 Lakh to 1 Crore
Star Hospital Cash Insurance Policy |
Coverage Benefits
- Accident Hospital Cash
- Hospital Daily Cash
- Child Birth Hospital Cash
Eligibility Criteria
Entry Age: 18 years to 65 years
Hospital Cash Amount: 1k to 5K per day
Star Super Surplus Insurance Policy |
Coverage Benefits
- ICU Charges
- Daycare Treatment
- Room Rent
Eligibility Criteria
Entry Age: 91 Days to 65 Years
Sum Insured: 7 Lakhs to 10 Lakhs
Star Women Care Health Insurance |
Coverage Benefits
- Maternity Benefits
- Preventive Health Checkups
- Room Rent
Eligibility Criteria
Entry Age: 18 days to 75 Years
Sum Insured: 5 lakhs to 1 Crore
Star Smart Health Pro |
Coverage Benefits
- Room Rent
- ICU Cover
- Domiciliary Hospitalization
Eligibility Criteria
Entry Age: 91 days to 50 Years
Sum Insured: 5 lakhs to 1 Crore
Coverage Benefits Offered Under Star Health Insurance Plans for Family
Below are the coverage benefits offered under Star Health Insurance Plans for Family include:
- Pre and post-hospitalization expenses
- ICU Charges
- Cataract Treatment
- IVF Treatment
- Modern Treatment
- Annual Health Check-up
- Daycare Treatments
- COVID-19 treatment
- Ambulance cover
- AYUSH coverage
- Domiciliary Hospitalisation
Exclusions Under Star Health Insurance Plans for Family
Below, we have mentioned the common exclusions under Star Health Insurance plans for family, but they may vary from plan to plan.
- Suicide or attempted suicide
- Sexually transmitted diseases (STDs) like HIV
- Alcohol or drug abuse
- Cosmetic Surgery
- Injuries happened due to participation in adventurous sports
- Weight reduction treatment
- Medical expenses incurred due to war or similar conditions
Star Health Insurance Buying Process
The policyholders can buy a Star Health Insurance plan for Families from the official website of Star Health Insurance and "RenewBuy.com". Below are both the buying processes for star health insurance plans:
Buy from "RenewBuy.com"
- Visit the official website of "RenewBuy".
- Click on the "Health Insurance Plan" tab.
- Select the desired plan.
- Fill in all the required details.
- Click on the "Buy Now" button.
- Make payment.
- We will send the policy documents to your registered email ID.
Buy from the official website of Star Health Insurance
- Visit the "Star Health Insurance" official website.
- Click on the "Health Insurance" tab.
- Select the desired health plan.
- Fill out the form that shows on the next page
- Click on the "Buy Now" button
- A pop-up will show you the plan details and the add-on rider information.
- Click on the "Proceed to Buy" button.
- Make an online payment, and the insurance company will send the policy documents to your registered email address.
Star Health Insurance for Family Renewal Process
Star Family Health Insurance Plans offers a lifetime renewability feature, meaning no age restriction exists. Policyholders can renew their Star Health Insurance Plans for Family online. Star Health Insurance offers a simple and quick renewal process for its Star Health Insurance Plan for Family in a few steps, as mentioned below:
- Visit the “Star Health Insurance” official website.
- Click on the “Renew” from the header menu.
- Log in with your login credentials.
- Enter your policy number and Date of Birth.
- Make payment and renew your Star Family Health Insurance Plans.
Star Health Insurance offers multiple payment channels for renewal payments, such as UPI, Credit Card, Debit Card, Paytm, etc.
Star Family Health Insurance Claim Settlement Process
Star Health Insurance Plans for Family offers two types of claim settlement processes: cashless and reimbursement claims process. In the below section, we have explained both the claim processes in detail:
Cashless Claim Process
- Show your star health insurance health card at the hospital reception desk.
- Fill in and submit the pre-authorization form and doctor’s consultation documents.
- The hospital will verify all the documents and send them to the Star Health Insurance company for further verification.
- Once the document is verified, the hospital will send the claim documents to the star health insurance company.
- The hospital will then start the cashless treatment of the policyholder.
- Finally, the Star Health Insurance company will directly settle the claim amount with the hospital.
Reimbursement Claim Process
- Intimate the star health insurance within 48 hours of hospitalization (24 hours in case of emergency).
- Policyholders need to file a reimbursement claim after settling all the bills on their own
- Submit the claim form and other relevant documents to Star Health Insurance company within 15 days of the patient's discharge.
- Then, the company will verify all the submitted documents.
- Once the verification is done, the company will reimburse the claim amount to your bank account.
Conclusion
Star health insurance plans for families empower you to prioritize the well-being of your family. With the Star Health Insurance Family Floater Plan, you will get comprehensive coverage, a maternity benefit, no upper age limit and lifetime renewability to meet the health needs of your family. Visit the official website of Star Health Insurance to get a personalized quote, or consult a POSP advisor at RenewBuy and choose the plan that best suits your family's needs. Secure the health and well-being of your loved ones with Star Health Insurance plans for families today.