With the growing inflation, health insurance is no longer an optional policy but rather a mandatory one. There are several plans that are available in the market right now and it can be quite confusing for you to choose the right plan.
The right plan to choose should be flexible, provide good benefits and also have stable premium rates. Star Health Insurance is one of those great health insurance policies that provide you with all three aspects.
Star Health Insurance is a combined undertaking between the M/s. ICICI Venture Funds Management, M/s. Oman Insurance Company, M/s. Alpha TC Holdings PTE Singapore, M/s TATA Capital Growth Fund, M/s. Sequoia Capital. Approved and founded by the IRDA in 2006, the Star Health Insurance has showed no signs of stopping.
It has been ranked consistently as one of the most efficient and affordable health care providers in the country. Star Health Insurance has been conferred several accolades for its excellent customer service and its health insurance plans.
List of Accolades Won by the Star Health Insurance:
· Best Health Insurance Corporation at Healthcare Excellence Awards in 2014
· Best settlement process award by Hindustan MaRs Survey in 2015
· Claims Service Corporation of the year award by Insurance Award in 2014
· Health Insurance Company of the year in 2015 by India Insurance Awards
From the awards that Star Health Insurance has received, it can be said without a doubt that the firm has been doing some really amazing work in the field of health insurance. There are two kind of scenarios where you could potentially ask for a claim on your Star Health Insurance.
· In case of a planned hospitalization
· In case of an emergency or Cashless treatment
Cashless treatments are only possible when you are at one of the Star Health Insurance network hospitals. If you are already covered under one of the plan, then you don’t need to worry. Below you will find the claim process for the Cashless Process.
You need to visit the nearest insurance desk at the reception of the network hospital that you are in and inform them about the scenario that you are in.
Once you are at the insurance desk you will be required to show them your health card that has been issued by the Star Health Insurance. That will serve as your policy ID. You will have to show them 2 passport photos along with your photo ID as well.
The next step in Star Health Insurance claim process is that the network hospital personnel will be verifying your credentials. After they have done that they will be submitting the necessary documentation to the Star Health Insurance Company along with a pre-authorization form.
There will be a medical professional from the hospital’s team who will evaluate and verify the documents. Once he has done that, he will proceed to start the claim process according to the plan that you are covered under.
A doctor from the designated field will be working with you in order to help you out with the process. This will make the hospitalization process much easier for you.
After all the above five steps have been completed successfully, the claim will then be settled and processed according to the terms and conditional of your plan.
Related : Star Health Insurance - Know your Claim Status
In case you have it all planned and laid out and you would like to go for a reimbursement claim please follow the below steps in order to make it happen.
There will be a field doctor who will be visiting you and will help you with the entire process, in an effort to make things easier and less complex.
After the discharge of the patient, you will be require to pay and settle all outstanding bills that have incurred. It is also important that you collect all the necessary original documents of the patient’s treatment and the receipts of any expenses.
You need to fill out the claims form for Star Health Insurance. Once you do that, you will attach the required original documents along with receipts. Then you would have to submit that to the nearest Star Health Insurance branch office.
Star Health Insurance will be validating all the documents submitted and will finally settle your claim.
Because the Star Health Insurance Company has made the process very transparent and easy, it is very helpful for all those people who do not want to go through hours of hassle. This is especially very good for senior citizens. You must be aware of the policies that you sign up for and the benefits that they provide in order to avoid any surprises.
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Oriental Health Insurance Corporation Limited was established in 1947 and since its inception, it has established its place in the Indian insurance sector as a very trustworthy and efficient company providing world-class service to its customers.
The company has over 30 centers in India and also abroad and has successfully penetrated both the urban and non-urban sectors in India, with more than 1800 fully operational offices. The reason for this success is mainly due to the feasibility of the policies that they offer along with the fact that mediclaim is becoming a very necessary and integral part of modern life in order to prevent against unforeseen medical events and situations, which can have very serious financial repercussions, as well as serious physical repercussions, without the right hospital care.
Oriental Insurance Mediclaim Policy would provide for the insured person’s pre and post hospitalisation expenses in the event of a critical illness, accident or surgery.
Oriental Health Insurance Mediclaim Policy Plans
There are a wide variety of health insurance policies that are provided by Oriental Health Insurance. Below we have listed some of the main mediclaim policy plans for you:
The Main Features of Oriental Insurance Mediclaim Policy
We can see above that Oriental Insurance Mediclaim Policy includes many different types of plans, which offer different benefits. But there are some salient characteristics of Oriental Insurance Mediclaim Policy, which are maintained throughout most of their plans. We would be discussing those for you to provide you a general overview of these plans. Before choosing any of them for you and your family, ensure that you make policy comparisons online and do your own research in order to find the plan that is most suitable for your life.
Below are the main features of Oriental Insurance Policies:
Under Oriental Mediclaim Policy, you can choose between individual mediclaim as well as family floater mediclaim policies. At one time, there can be coverage available for a maximum of 7 individuals, including 4 adults.
You would be covered for the costs of hospitalisation as well as recovery. So the time frame for such coverage is 30 days before hospitalisation and 60 days for any kind of post-hospitalisation complications and recovery needed.
Customers at the end of a claims-free period of 4 years would be eligible for free health check-ups.
Individuals and families insured under Oriental mediclaim plans would have to pay 10% of the claims amount
The Oriental Mediclaim Policy would cover any pre-existing diseases that the insured might have had, at the end of 4 continuous years of coverage by the insured.
Oriental Insurance Mediclaim Policy offers life-long renewability. So you and your family would be able to be covered under this policy throughout your lifetime. Along with this Oriental Insurance Mediclaim Policy renewal is a quick and easy process.
Oriental mediclaim plans also would pay for the rooms that you might need to rent in the hospitals. This payment would be under 1% of the total sum insured or Rs. 5000, whichever is less.
The Benefits from Oriental Insurance Mediclaim Policy
There is a 10% discount of the premium, which is applied in case you want to include your family under your mediclaim policy.
Oriental mediclaim also offers you the option of settling your claim without having to deal with cash. Thus, you have the option of quick and easy transactions.
Oriental Insurance Mediclaim Policy hospital list includes top rated and well-located hospitals. In fact the hospital network strength of Oriental mediclaim plans is over 4300. This is definitely a huge benefit for customers who are contemplating whether to buy mediclaim from them.
The reviews for Oriental Insurance Mediclaim plans are overall, very good. They are a very old and established company in India with a proven track record of fair claims settlement. The company also has good reviews on its grievance settlement policies. Over the years, this company has been able to withhold a huge percentage of loyal customers and the reasons for this has been its impeccable customer care and focus on customer satisfaction.
Mediclaim polices should be viewed as a necessity rather than an indulgence, considering the uncertainty surrounding modern lives. And Oriental Mediclaim Policy would definitely enable you to enjoy the mental satisfaction of knowing that your and your family’s health needs would be taken care of in case of any accident, injury or illness.
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Cigna TTK Health Insurance is a combined undertaking between Cigna Corporation, American Multinational Health Service Leader, and Indian Conglomerate, TTK Group. In India, the company has its headquarters in Mumbai. Cigna TTK Health Insurance was established in 2012. The company has presence in fifteen other cities in India.
What Are the Health Insurance Needs Covered by Cigna TTK Health Insurance?
Cigna TTK Health Insurance offers customized plans to cover different needs:
• Medical Health
• High-Risk Diseases
• Accident and Mishaps
• Medical /Non Medical Aid
(Or Financial Easing)
• Essential Healthcare
• Corporate Global Cover
• Group Protection: Accidents and Diseases
• Group Health Cover
What are the Benefits of Cigna TTK Health Insurance?
Cigna TTK Health Insurance offers the following benefits:
• A wide range of plans are offered by Cigna Health insurance to cater to diverse requirements.
• World-wide emergency coverage which covers medical expenses when the insurer is abroad.
• Cumulative bonus for no claims which results in increase in sum assured by 5% with no increase in premium. The sum assured can increase by 100% in about 20 claim free years.
• Restoration of sum assured, in the event that the original sum insured and the cumulative bonus (if any) has been exhausted. The company will restore the sum insured by 100% once in a policy year to meet all claims in the future for unrelated diseases and injuries.
• Expenses related to consultation fee of doctors, pharmacy expenses, and diagnostic tests that occur before hospitalization are covered by Cigna Health Insurance plans.
• Tax savings up to Rs 25,000 under sec 80D for Cigna Health Insurance plans
• Cashless treatment at 4500+network hospitals for Cigna Health insurance plans.
• Access to wellness programs which earn reward points for people availing Cigna Health Insurance plans.
What are the Health Insurance Plans Presented by Cigna TTK Health Insurance?
The Health Insurance Plans presented by Cigna TTK Health Insurance:
• Pro Health Protect Plan
• Critical Illness Insurance
• International Health Insurance
• Cigna TTK Lifestyle Protection-Accident Care Plan
• Pro-Health Cash
What are the Features Offered by Specific Plans of Cigna Health Insurance?
The specific plans under Cigna TTK Health Insurance:
• Pro Health Protect Plan- The plan is aimed at covering hospitalization expenses, day care procedures and domiciliary treatments.
• Critical Illness Insurance- The plan covers up to 30 critical illnesses. An insurer can avail benefits like medical second opinion from specialists, lumpsum or staggered claim payout options and a variety of sum insured options.
• Global Health Insurance- The plan covers needs of those people who travel extensively on work. The plan offers a wide range of sum insured options, choice of area coverage, AIDS/HIV Cover, Out of Area Emergency treatment to name a few.
• Cigna TTK Lifestyle Protection-Accident Care Plan- The plan covers accidental death and disablement, worldwide coverage, loss of employment, Education fund and orphan benefit for child, and multiple optional covers.
• Pro-Health Cash- The plan covers vital healthcare needs and at the same time offers several value additions. Some of its benefits include AYUSH-inpatient benefit, cumulative bonus booster etc.
Who are the Competitors of Cigna Health Insurance?
Cigna TTK Health Insurance is one of those insurance companies in India which wholly caters to health insurance. Cigna TTK Health Insurance’s closest competitors are Religare and Star Health. All three companies offer several benefits at affordable rates to the insurer.
You may like to read : Cigna TTK Health Insurance Plans - Know the Plans & Benefits
Apollo Munich Health Insurance company is also a standalone health insurance company. However, it caters to a more elite section as the plans are more expensive than its competitors.
While buying insurance plans, the individual customer’s specific requirements are the deciding factors. Therefore, we should be aware of the competitive advantages of products offered by different companies in the market.
What are the Comparative Advantages of the Top Health Insurance Companies?
• Star health’s Mediclassic product is very popular due to its restoration benefit. The product immediately restores the sum assured to 200% once the initial cover is exhausted. This is way more than what Cigna health insurance plan or any other competitor’s plan offers.
• Star health’s Mediclassic provides a good coverage for HIV positive patients. The only condition being that at the start of policy, the CD4 count of the person should not be less than 350. Adequate poof must be submitted to avail of the benefit. HIV related complications are excluded from Cigna health Insurance plan.
• Star Health’s no claim bonus can be accumulated up to 25%. However, for family floater plans, the no claim bonus is 25% of sum insured for the first year, and 10% for the second year. A maximum of 35% of original sum insured can be availed.
• Religare Healthcare offers health check-ups every year whether or not any claim has been made. The feature is available for individuals in the age group of 18 years and above.
• Religare Healthcare offers no claim bonus super add-on cover. The insurer can avail of benefit equal to 60% of the sum insured.
• For insurers with sum insured 50,00000 and above, Religare offers specific treatments that are usually not found in plans of other companies.
A prospective insurer can log into the websites of the insurance companies to view quotes for various plans. Those interested in Cigna Heath insurance plans can avail several services completely online by accessing the company’s website. For example, the insurer can track claims, renew policy, request for customer service assistance etc.
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Welcome to one of our star health insurance reviews. Star Health Allied Insurance Company Limited is an insurance company that was established way back in 2006. The company has been at the forefront of providing classified insurance in the field of health.
Popular star health insurance plans include:
• Personal accident insurance and
• Overseas Mediclaim Policies
• Travel Insurance
• Health Policies
Star medical insurance caters for everyone. The company offers a variety of products that are tailor-made to ensure that you live happily and peacefully. If you are one of those who would like to live under the slogan “Health is Wealth”, Star Health Allied Insurance is definitely the place to start from.
You Can Buy A Policy Or Renew Yours Online
Today, we will focus on one of the frequently asked questions: “how to renew health insurance online at Star Health Allied Insurance. The advancement in technology today makes it possible for one to renew their star medical insurance at the company online. All you have to do is to access the company’s authenticated website and follow the instructions laid therein. The advantages of star health insurance renewal online are:
• Professional online customer support and assistance.
• It is time saving
• Fast and easy renewal online
Pay Much Attention to The Knicks And Knacks And You Will Never Have Problems
Any smart insurance policy holder is definitely aware of those knicks and knacks associated with managing a policy, balancing it and dealing with all the legal requirements. When you buy a plan, there are two things that you must be well aware of. The first is how to guarantee a successful claim and the other is how and when to renew your mediclaim.
Be Aware Of The Renewal Date All The Time
The most paramount thing that any star medical insurance holder has to know is that remembering the renewal date is always very important. You must keep this in mind from the very day you buy your insurance policy. The best way of doing so is by storing it as a reminder on your mobile phone. This can also be done on Outlook or by noting it in your notebook. There are companies that frequently send reminders to their clients as well.
You may like to read : Online Health Insurance Plan, Mediclaim Policy India
What Happens If You Fail To Renew Your Star Medical Insurance Policy In Time?
There are many reasons why you should avoid ignoring the renewal of your policy in time:
• Failure to renew your policy on time implies that you will have to buy a new one. Once this happens, you will incur more costs when buying a new premium.
• Secondly, you may not be in position to have your insurance claim for that sickness treated by the company as it will be declared a pre-existing disease. Pre-existing diseases can only be covered if you have been renewing your star medical insurance on a timely basis.
• Furthermore, you may not get the no-claim bonus and many other benefits when you fail to renew your star medical insurance on time.
That Is Why You Should Stay Updated About Your Star Medical Insurance Renewal Date
Today, trendy gadgets such as tablet PCs, digital reminders and mobile phones are very useful in helping you keep track of your star medical insurance renewal date. Much as the insurance company can always give you a grace period within which to renew your policy, sometimes it might not be liable to keep informing you about when to make your renewal. For this reason, you should always maintain all records related to your health cover renewal all the time.
How To Renew Your Star Medical Insurance Online
Now that we have thoroughly discussed why you should renew your insurance policy in time and the consequences of breach, let’s now turn to the main point: how you can renew your star medical insurance online. You can now do it instantly by visiting the website.
This Is What You Should Exactly Do:
• Access the website by clicking on https://retail.starhealth.in/renewal to start the renewal process.
• When you get there, the system will ask you to enter the “Policy Number” of the policy you purchased together with your “Date of Birth”.
• Click on the “Submit” button after entering all the star health insurance details above.
The other steps that come after the above are easy to understand and are self-explanatory. The star health medical group has invested a lot of time and resources in order to ensure that your star medical insurance renewal is hassle free and easy. If there is any other thing that you would like to know, you could also contact the company on a toll free line on 1800-425-2255. We hope that this article will guide you on how to buy, renew and deal with all aspects of your star medical insurance policy.
For more details check PolicyBazaar Customer Reviews & Ratings
The importance of mediclaim policy has included it in the category of basic necessity. However, people are still confused about what possible benefits they can get from the Oriental Insurance Mediclaim. Moreover, if they have the policy, they do not know how to go through the claim procedure.
One of the most popular insurance policies provided by the Oriental Insurance Company is the mediclaim one. Offering a wide range of policies for meeting the needs of senior citizens, young population and family members, oriental insurance mediclaim policy rises above all. This effective policy for all the Indian citizens has become useful for everyone regardless his/her age or economic status in the society.
Information on Oriental Insurance New Mediclaim Policy
Oriental Insurance Mediclaim offers coverage on the hospitalisation expenses and the hospitals are required to be completely licensed consisting of efficient authorities. Additionally, if you choose the treatment network hospitals are:
Generally, you are provided with the coverage on any treatment for oriental insurance mediclaim online purchase when you stay in the hospital for 24 hours. The perks of the policy include the sum insured amount ranging from Rs. 1 lac to Rs. 10 lacs. Additionally, you can get lifetime renewals along with all the ambulance charges so that you get the utmost level of protection from financial loss. Moreover, the insured can get 5.5% off in premium if he/she does not choose to use the TPA service.
What are the Exclusions?
When you are choosing the Oriental Insurance Mediclaim, you are offered huge benefits but you always do not get coverage for every injury or treatment. The insured imposes certain rules and regulations on the pre-existing disease and the insurer may not get coverage for the pre-existing diseases always.
Things to Keep in Mind
When you are applying for the insurance you need to update yourself with oriental insurance mediclaim rates. You should read the terms and condition of the cancellation policy to understand why it is charged Rs. 101. In addition to the context, the policy follows the legal aspects of regulation 5 of IRDA (Protection of Policyholder Interest) regulation.
What is a Claim in Oriental Insurance Mediclaim?
The claim is the procedure through which you request the insurance company to offer compensation or coverage for the medical expenses. After validating the claim and approving, the insurance further agrees to proceed with the payment. In addition to the context, the interested party of the insured can apply for the oriental insurance mediclaim policy renewal on behalf of the insured.
What to Do with Claim Form
You invest in Oriental Insurance Mediclaim to enjoy the benefits when the need arises. For availing the service, you need to go through the oriental insurance mediclaim premium chart to understand on what basis your premium is decided. Now when the time of claiming comes, you can take help of the insurance agent who will walk you through the procedure. At first, you need to get hold of oriental insurance mediclaim form from the official website or branch of Oriental Insurance Mediclaim.
In the oriental insurance mediclaim policy form, you need to fill certain things up.
Oriental Insurance Mediclaim Claim Form Procedure
When you are done filling up the form, you need to submit to the agents of Oriental Insurance Mediclaim along with the premium receipt and policy. Additionally, the medical treatment and discharge reports are to be submitted. Original test reports of sonography, X-Ray and ECG must be provided for making use of the benefits of oriental insurance mediclaim for senior citizens.
Hence, now you know how it is easy for you to ask for the claim and get help whenever any medical contingencies arise. If you still are confused about the pre-hospitalisation and post-hospitalisation charges, you can ask the customer service.
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Established in 2006, Star Health Insurance Company gives a tough competition to the older insurance houses with its extensive range and variety of health and medical insurance products.
The popularity of Star Health Insurance Company is due to its larger coverage at the lower expenses. You can avail better medical and health cover facility at considerably lower prices.
Why to Choose Star Health Insurance Plans - Super Surplus Gold Super Top Up Plan?
Get larger insured sum at considerably lesser premiums.
Pre-existing health conditions get covered at the completion of 3yrs of the policy term period.
No need to undergo medical tests before purchasing the Star Health plan.
Both individual insurance plan and family insurance plans are available.
Lifetime renewability of the policy is allowed.
Moreover, it has an additional benefit that allows you to take second opinion if needed.
Eligibility Criteria of Star Super Surplus Gold Policy
• Minimum age of the insured at the time of entry should be 90 days and maximum limit is 65yrs.
• Maximum age for the renewal of Star Health Insurance Plans is 75yrs.
• Term period of the plan is 1yr.
• Star Health Insurance provides only individual health floater plan.
• Minimum insured sum is 5lakhs and maximum insured sum is 25lakhs.
Chief Features of Super Surplus Gold - Star Health Insurance Plans
o Affordability → this super surplus gold top up plan by Star Health Insurance is designed to give wider protection at reasonable prices.
o Claims → in this Gold Top up plan claim amount is activated after exceeding the stated limit of medical expenses by the insured person.
o Ambulance → it offers air-ambulance facility which amounts to almost 10% of the total insured sum.
o Day Care Option → it allows you to avail 405 day care methods in which you may not require to take admission in the hospital. Besides, it allows you to go for a second opinion.
o Pre and Post Admission Expenses in Hospital → Star Health Insurance Plans offer to bear your admission expenses 1 month before the admission in hospital and 2 months post admission in hospital.
o Rent → this Gold plan offers no capping over the rent of the room. It takes care of the expenses of room and nursing which almost amounts to ₹4 thousand per day up to 2% of the Insured sum.
o Co-Payment Option → almost 10% of the expenses is allowed for co-payment facility, provided the age at the entry is more than 60yrs.
o Cover → this Gold Plan by Star Insurance company also takes care of the fees of consultation, cost of medicines, expenses of operation theatre, charges of transfusion of blood and pace maker.
Benefits of Star Health Insurance Gold Top Up Plan
Free Trial Period – this gold plan allows free trial period for the Star Health Insurance Plans. During this look- up period you may decide to not to continue the plan and ask for the repay of the insurance sum within 15 working days.
Port Facility - Star Health Insurance Plans allow you to port your policy to other insurance company when your policy is near the end of the term, provided you must give written information to the Star Health Insurance Company 45 days prior to renewal of the plan.
Cooling Period of the Plan - Star Health Insurance Plans offer 30 days of cooling period right after the inception of the plan. During this period you can claim for illness except for those caused due to an accident.
Disease Specific Cover - Star Health Insurance Plans also provide some disease specific cover within the policy which activates 2yrs after the inception of the policy. The listed diseases are cataract, kidney stones, arthritis and so on.
Online Purchase Options – Star Gold plan offers online policy maintenance and purchase facility to the insured persons. You can enhance the range of your policy coverage, modify the assured sum, and include whole family as in family floater plans online.
Exclusions in the Star Insurance Gold Top Up Plan
Treatments related to dental problems
Injuries incurred by War or by nuclear actions
Circumcision or cosmetic surgeries
Treatment of self inflicted injuries
Vaccination and other congenital illnesses
Treatment of infertility or in-vitro method of fertilization
Cover to pregnancies, abortions or miscarriages
Sexually Transmitted Diseases
Mental and psychological disorders
Star Health Insurance Super Surplus Gold Top up plan also qualifies for tax deduction facility within the premises of Sec. 80D of Indian IT Act. Remember, like other health insurance plan Star Super Surplus Gold Top up plan provides tax benefits beyond the limits of Sec 80C of Income Tax Act. Star medical cover plan, thus, lets you to enjoy all the facilities of a proper medical insurance policy but at the same time goes easy on your pockets.
For more details check PolicyBazaar Customer Reviews
Given the inevitable unpredictability of the human life, it is always imperative to get hold of a sustainable health insurance scheme.
Generally speaking, most individuals, given the magnanimity of insurance schemes in the market, tend to get confused about which would be the most apposite health insurance scheme. Consequently, most individuals tend to settle for a scheme that is only relatively better, at times very unfavourable also.
Therefore, here are some of the best health insurance plans currently doing the rounds:
Health Companion Individual
Health Companion Family First Plan
Family First Plan
Family Floater Plan
Family First Insurance Plan
For more details check PolicyBazaar Reviews
Health is wealth. There are no two ways about it. The cost of medical attention is high. This can be a substantial fiscal burden especially when there is a medical emergency. The only remedy is to be prepared! A Medical Insurance is the best solution to this end.
A Health Insurance policy entitles you to receive cashless medication in one of the numerous network hospitals of the Insurer, even if you are abroad. If you are receiving treatment in a hospital not covered by the Insurer's network, then you can make a claim on the medical bills as per the terms and conditions of the Insurance policy after treatment.
About the Company
Star Health Insurance is one of the popular Health and Medical Health Insurance providers. Initiated in 2006, the Company has settled 3,78,710 claims amounting to Rs.1378.13 crores in the 2016-17 year alone! The Company has set up 290 branches to serve its clients across India.
Reasons to buy Star Medical Insurance
There are many reasons to buy Star Health Insurance and Star Medical Insurance. The Policies offered to include Health Insurance, Personal Accident Insurance and Overseas Mediclaim Insurance. The company is in agreement with more than 8200 network hospitals across India for Cashless Claim settlement. More than 85% of cashless Medical Insurance claims are settled within 2 hours by the Company. You can make use the Star Health Insurance Claim form available online and register your request from any part of the world!
Achievements of the Company
Here is a list of firsts, award and accomplishments of Star Health Insurance
1. This was the first Insurance Company concentrating on Health Insurance alone.
2. Pioneer of Insurance coverage for Cardiac patients
3. Received the W.H.O award of recognition in 2017
4. Won the award for Best Health Insurance Provider from Business Today, Money Today in 2016-17
5. Earned the honor of Best Claim Insurance Settler from Hindusthan MaRS Survey
This Insurance provider is known to settle claims hassles-free, without the intervention of TPA. The policies are flexible and affordable by all strata of the society.
Star Health has an Internet presence
Star Health Insurance Customer care is online, and you can chat with an expert at any time of the day.
Take to the Internet for Star Health Insurance Online payments of Premium. However, first, create an account for yourself on the website and login. You can also to get information regarding policies, FAQs, register Grievances, know claim status or compare which plan works for your requirements.
Health Insurance Policies, Benefits and other details on the offer
Why are Star Health Insurance policies that have made them so popular? It is not only because its claims are processed faster. It is also because the policy coverage of Star Health is well-planned and covers different and unique Health Insurance requirements! Various Combi-policies are also provided. Here is a list of few well-designed policies of the Company:
1. Family Health Optima Insurance
A Floater based family policy: it is the best one for your family of growing members. Some of the highlights of this policy are:
● Coverage for the whole family at a price that you can afford
● Auto recharge without hidden costs
● You can avail Health checkup benefit for every claim-free year
● Coverage if you are planning for Assisted Reproductive treatment.
● Coverage for newborn from the 16 day
● Grace period provided for renewal
2. Senior Citizens Red Carpet Health Insurance policy
This is a comprehensive policy for individuals above the age of 60 and up to 75 years.
Some details of this policy:
● Provides coverage for pre-existing diseases after the second year
● No pre-medical tests required
● Coverage up to 10 lakhs
● Outpatient consultation facility in a network Hospital
3. Health Insurance for Corporate
Star Health Insurance also gives coverage for corporate employees for seven or more persons. Timely medical assistance, cashless Insurance and Tax benefits can be availed by all employees covered under these policies.
4. Accident Care Individual Insurance policy
Accidents are medical emergencies and entail immediate care and hospitalization. The fatality and the related expenses can be very high. In such cases, Star Health Accident Coverage helps mitigate financial and to some extent emotional situations thus:
● This policy provides cover for temporarily, Permanent disability and death
● 150% of sum insured is offered as compensation for permanent disablement.
● A weekly compensation of Rs.15000/- is provided for 100 weeks
● Discounts, Educational grants, discounts on online purchases are some other benefits on total disablement provided by this policy.
5. Special Policies -
(i) Diabetes Safe Insurance policies
Some features of Health Insurance policy for Diabetics are mentioned below:
● Regular Hospitalization expenses plus expenses due to diabetes and its complications
● Policy covers self and spouse
● Age eligibility 18 to 65 years
● Covers 400+ day care procedures
(ii) Star Cardiac care Insurance Policies
This pioneering policy is for heart patients. Some features are
● Coverage provided after 90 days of issuing the policy
● This policy covers 405-day care procedures
● Two plans in this Category - Gold and Silver
● Hospital cash facility can be availed.
To summarize, user-Friendly Coverage coupled with Customer Care and quick claim settlements are the most favorable reasons to buy Star Health Insurance.
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Star health insurance is a pioneer insurer of the country which offers a variety of policies and schemes to its customers.
To make things simpler for its customers, the company has recently launched Star Health Insurance Premium Calculator which contemplates the premiums and returns of a policy very easily. The Star Health Insurance Premium Calculator is also available as an app for mobile phones.
While the company provides a wide range of insurance schemes, one of its most popular one is travel insurance policy. It covers the clients and their valuables while they are travelling, making them enjoy their vacations or business trips with peace of mind. The clients can also use the Star Health Insurance premium calculator to know more.
However, Some Exclusions Are Made In Star Health Travel Insurance Policy:
About Star Health Insurance Premium Calculator:
Star health insurance premium calculator is an extremely useful tool for health insurance agents and clients alike. It can be downloaded from the Star Health website or from app stores.
The Star Health Insurance Premium Calculator helps in calculating premiums, making premium charts and Excel sheets, to summarize the insurance policies. This tool can also be used offline, and the premium quotations and values can be easily found at any time. Star Health Insurance Premium Calculator is a boon for everyone who wants to save some time while researching and calculating the valuations of the policy instalments.
For more details check PolicyBazaar Customer Reviews
Good health is one of the most important aspects of life that enable a reasonable standard of living. It is common for people - and in particular, younger people - to take health for granted. However, opting for health insurance only when you fall sick is not a great idea.
Hundreds of thousands of young people in their twenties and thirties don’t think twice about their health. Working professionals are usually covered by their employer’s health insurance coverage. They also often perceive health insurance to be for the elderly.
This is certainly not the case; in fact, it couldn’t be further from the truth. And Max Bupa Health Insurance Plans are the perfect solution, with six decades of experience in healthcare, serving millions of satisfied customers across the globe.
What’s the big deal about health insurance?
Prevention is always better than cure. It has been proven that people who have health insurance are:
What’s more, medical costs can never be predicted, so it is always better to have a good health insurance plan that covers you when you need it most. Max Bupa Health Insurance has a hospital list across the country, making it easy for its customers to access a doctor or hospital when needed.
You would also do well to start investing in a good health insurance plan when you’re young when your premium is minimal and while you still have good health. This is where Max Bupa Health Insurance Plans come in handy, offering a wide range of plans for every need.
Invest in your health before it’s too late
There are many reasons why you should invest in health insurance, and more importantly, why you should renew it every year. Health insurance isn’t just about having a safety net when one falls ill - it is also about being equipped with broad coverage and additional benefits like medical check-ups, such as those offered by Max Bupa Health Insurance Plans.
You can go a step further by customizing the perfect plan for you and your family, depending on your individual needs. Family histories differ widely, and Max Bupa Health Insurance Plans cover 29 million customers across 190 countries. So what are you waiting for?
Why should you invest in health insurance when you’re young,
because the primary deciding factor for your premium rests on your age - as you get older, health-related risks increase too. Max Bupa Health Insurance Plans offer you a handy premium calculator that allows you to calculate your first premium and project how your premium will increase over time. This will enable you to save accordingly for your annual premium payments.
Overall, it is wise to invest in health insurance when you’re young because you will, without a doubt, benefit from the lowest premium.
Play the waiting game while you’re healthy
Most health insurance plans start with a waiting period - meaning that you have to wait for a certain amount of time before being eligible for maternity benefits, for example, or availing of your health insurance for surgery.
If you start your health insurance plan when you’re young (and less likely to fall ill), you play this waiting game when you don’t need to cash in on your health insurance. A win-win, wouldn’t you say?
In today’s day and age, lifestyle risks are everywhere
From dengue and avian flu to respiratory infections from air pollution, living in today’s day and age is riddled with health risks. No matter how many air and water purifiers we buy, we are still very much at risk every single day, which is why health insurance is best invested in at a young age.
Health insurance isn’t just for the big stuff
Nowadays, health insurance plans cover even minor health issues that require visiting an Outpatient Department, for instance. Trivial health issues can also be paid for with health insurance, ensuring that out of pocket expenses on medical care are reduced to a minimum.
Cash out when the time is right
When you take a health insurance plan early, your chances of accumulating a sizeable bonus are quite high if you don't make any claims. This ensures that you can cash in when you’re older and when your health risks are considerably higher.
Save on taxes when you invest in health insurance at a young age
Max Bupa Health Insurance Plans offer tax exemption to policyholders. Another reason why it’s an absolute no-brainer, to invest in them at a young age.
Instead of spending on another mobile phone or a night out on the town, investing in Max Bupa Health Insurance Plans will go a long way in securing your future.
When you invest in health insurance when you’re young, you have more options available to you. This is precisely because you’re young. So make the most of it and get the right plan for you and your family, while you still can.
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