Benefits of Star Health Insurance Plan

Star Health Insurance is a renowned insurance company that has a wide range of policies to cover your health problems. It comes with numerous policies with high coverage, flexible policy & premium payment terms, besides other impressive features. The list of benefits and other Star Health Insurance Policy details are explained below. Take a look!

Let’s Check the Wide Range of Benefits Available Under Star Health Insurance Plans

The following benefits of Star Health Insurance Plans make them stand out –

Affordable Premium Amount

The insurance company charges a very reasonable amount for your health plan, such as –

INR – 23 per day for an individual plan
– 43 per day for a family floater plan
INR – 29 per day for parents

Note:- All these are minimum premium amounts payable against different Star Health Insurance Plans. The actual premium amount is based on your entry age, current health status and the chosen sum insured.

Wide Range of Coverage

Star Health Insurance Policy covers all the necessary medical expenses during the hospitalization, such as –

Room rent
Surgeon, anesthetist medical practitioner, consultants, specialist fees
Cost of anesthesia, blood oxygen, operation theater charges, ICU charges, surgical appliances, medicines and drugs
Diagnostic materials and x-ray diagnostic imaging modalities, dialysis, chemotherapy radiotherapy and the cost of pacemaker

Daily Allowance During the Hospital Stay

For each completed day of hospitalization, the insurer pays a daily cash allowance to compensate for the loss of money due to the illness/injury. And the same will be payable for up to seven days, subject to a maximum of 120 days during the entire policy term.

Restoration of the Sum Insured

In case your sum insured is exhausted due to claims made earlier, the Star Health Insurance Company will restore it to 100%. This benefit is available only once during the policy term. You can use the restored sum insured for the treatment of the illness/injury for which a claim hasn’t been filed yet.

Cashless Treatment

With Star Health Insurance Plan, you will get access to 11.000+ network hospitals in India for cashless treatment. And there, you don’t need to pay your bills – the insurer will do that on your behalf. To use this facility, you just need to go to the network hospital and show your health ID card at the reception. After verifying your details with the insurance company, the network provider will get back to you and prepare for the cashless treatment.

Cumulative Bonus

If the sum insured is INR 5 Lakh or above, you’ll be entitled to a cumulative bonus of 50%, expanding up to 100%. In case the sum insured is INR 7.5 lakh or above, you’ll get a flat bonus of 100%. The bonus, which enhances your coverage for the next year and so on, and is available when you don’t claim in a policy year. The insurance company will calculate the bonus basis the expiring sum insured or the renewed sum insured, whichever is less. If you choose to reduce the basic sum insured at the subsequent renewal, the cumulative bonus shall not exceed the reduced basic sum insured. In case of partial or full utilization of the basic sum insured, the cumulative bonus will reduce at the rate of its accrual.

Star Health Insurance Renewal Process

Doing Star Health Insurance renewal by paying the premium on its due date helps keep the policy benefits intact. All you need to do is go online, enter your Health Insurance Policy Number and choose from the payment options – debit card/credit card, net banking, digital wallets, etc. Subsequent to the payment, your Star Health Insurance Policy renews.

Star Health Insurance Customer Care Resolves All Your Policy-related Queries

Dial the Star Health Insurance Customer Care Number for a speedy resolution of queries related to policy details. You can check the Star Health Insurance Claim Status. Know the renewal process and other details with its customer care representatives.