Star Comprehensive Insurance Policy

About Star Comprehensive Insurance Policy

When medical expenses are on the soar, Star Comprehensive Health Insurance policy can lessen its adverse effects by providing policyholders with financial assistance at the time of a medical emergency. It’s a complete family health insurance product with zero sub-limits or capping. The policy offers coverage to all family members under one sum insured. The entire family can be insured under this plan from the age of 3 months to 65 years. The children who are dependent on their parents can be covered under this plan until 25 years of age. In addition to these, lifelong renewals are also guaranteed under this plan

The plan offers an extensive range of benefits for eliminating health care related worries. Available on both an individual and family basis, the Star Comprehensive covers medical expenses incurred on barbaric surgical procedures and its complications, second medical opinion, maternity (normal and cesarean delivery), newborn baby cover, and several day care procedures.

Star Comprehensive Plan Details

Features/Plan	Star Comprehensive (5, 7 Lakh)	Star Comprehensive (10, 15, 20,25 Lakh)
Restoration Benefit	100%	100%
No Claim Bonus	Up to 100% of SI	Up to 100% of SI
Room Rent	Single standard A/C	Single standard A/C
ICU Charges	Actual	Actual
Pre and Post Hospitalization	30 & 60 days	30 & 60 days
Free Health Checkup	Available after 3 claim free years	Available after 3 claim free years
OPD Benefit	Up to Rs. 1500, per consultation limit Rs. 300 (based on SI)	Up to Rs. 3300, per consultation limit Rs. 300 (based on SI)
Ambulance Cover	Up to Rs. 3000	10 Lakh - Up to Rs. 3500, 15 Lakh - Rs. 4000, 20 Lakh - Rs. 4500, 25 Lakh - Rs. 5000
Emergency Medical Evacuation	5 Lakh - Not available, 7.5 Lakh - Up to 10% of sum insured	Up to 10% of sum insured
Specific Illness Waiting Period	24 months for delivery	24 months for delivery
Additional Features	Personal accident and permanent disability benefit	Personal accident and permanent disability benefit
Maternity Cover	Normal delivery - Up to Rs. 20000 (depends on SI); Cesarean - Up to Rs. 40000 (depends on SI)	Normal delivery - Rs. 25000, Cesarean - Rs. 40000
Special Feature	Bariatric surgery covered, vaccination for newborn	Bariatric surgery covered up to Rs. 2.5 Lakh, vaccination for newborn is also covered

Key Inclusions and Exclusions of the Plan

What's Included

• Coverage of pre-acceptance medical screening for 50+ years individuals
• Air ambulance cover up to 10% of the sum insured for plans with SI more than Rs. 7.5 Lakh
• Pre and post hospitalisation for 30 and 60 days respectively
• Domiciliary hospitalisation coverage for medical treatment for a period exceeding three days
• Hospitalisation cover like boarding and nursing costs, doctor fees, OT etc.

What's Not Included

• Injury or illness caused due to war, invasion, warlike operations, nuclear weapon etc.
• Dental treatment or surgery unless necessitated due to accidental injuries
• Healing approaches like naturopathy treatments are not covered under the plan
• Vaccination or inoculation or aesthetic procedures etc., other than necessary ones
• Any illness contracted by an insured individual during the first 30 days of the policy

What’s More ?

The advantages of purchasing this plan are not over yet. Other added benefits come your way once you decide to buy this plan. These ares-

·  Lifetime renewability

·  Cashless hospitalization at the network hospitals

·  Tax benefit under Section 80D of the Income Tax Act 1961   

Conclusion

Considering the major benefits of this plan, Star Health Comprehensive Insurance Policy is a policy good to go for. It is an economic plan that covers almost all your health care needs of you and your family.

Family Health Optima Plan

About Star Health Insurance Family Health Optima:

Star Health Optima Plan is a super saver plan, which provides coverage for the entire family members at reasonable costs, including spouse, and dependent kids between 16 days and 25 years of age. People from 18 years to 65 years of age, who live in India, can buy this policy. Beyond the age of 65 years, the plan can be renewed for a lifetime. Health check-up is gifted for every claim free year under this policy. The plan brings 3 times automatic restoration of the sum insured by 100% for every complete exhaustion.

Further, the Star Health Optima offers wide coverage such as cover for hundreds of day-care procedures, pre-hospitalization and post-hospitalization, domiciliary hospitalization, donor expenses for organ transplantation, coverage for newborn baby cover from the 16th day, and so on. Policyholders can get the additional sum insured by spending a little more.

Family Health Optima Plan Details

Features/Plan	Star Family Health Optima (3,4 lakh)	Star Family Health Optima (5, 10, 15, 20, 25 lakh)
Restoration Benefit	Up to 300% of SI	Up to 300% of SI
No Claim Bonus	Up to 100% of SI	Up to 100% of SI
Room Rent	Up to Rs. 5000	Single standard A/C room
ICU Charges	Actual	Actual
Pre and Post Hospitalization	60 & 90 days	60 & 90 days
Day Care Procedure	All	All
Free Health Checkup	After every renewal	After every renewal
Organ Donor	Up to 10% of SI, maximum of Rs. 100000	Up to 10% of SI, maximum of Rs. 100000
AYUSH	Up to Rs. 10000	Up to Rs. 20000
Domiciliary Hospitalization	Covered	Covered
Ambulance Cover	Up to Rs. 750 per hospitalization and overall limit of Rs. 1500 per policy period	Up to Rs. 750 per hospitalization and overall limit of Rs. 1500 per policy period
Second Opinion	Yes	Yes
Emergency Medical Evacuation	Up to Rs. 5000	For sum insured 5, 10 and 15 lakh limited up to Rs. 7500
Co-Pay	20% co pay at age 60 & above	20% co-pay at age 60 & above
Initial Waiting Period	30 days	30 days
Specific Illness Waiting Period	2 years	2 years
Waiting Period of PED	4 years, 3 years for assisted reproductive treatment	4 Years, 3 years for assisted reproductive treatment
Special Feature	Restoration benefit up to 300%, recharge benefit up to Rs. 1 lakh, shared accommodation up to Rs. 1000	Restoration benefit up to 300%, recharge benefit up to Rs. 1 lakh, shared accommodation up to Rs. 1000

Key Inclusions and Exclusions of the Plan

What's Included

• In-patient hospitalization like room charges, nursing expenses, ICU, surgeon’s fee, etc.
• Domiciliary hospitalization (treatment at home) for a period exceeding three days
• All sorts of day care procedures are covered that take less than 24 hours
• Air ambulance charges up to 10% of the basic sum insured during the policy period
• Pre and post hospitalization expenses 60 days and 90 days respectivel

What's Not Included

• Injury or ailment caused due to warlike situations, invasion of enemy etc.
• Expenses arising due to self-inflicted injury or suicide attempt etc.
• Venereal disease and sexually transmitted diseases
• Dental treatments, unless required due to accidental injuries
• Vaccinations except for post-bite and other medical treatment 

STAR HEALTH INSURANCE

NAME : M BHARGAV RAM

OCCUPATION : HEALTH INSURANCE ADVISOR 

ACHIEVEMENTS : CMD CLUB AGENT SINCE 5 YEARS 

CUSTOMER DATABASE : 450 + SATISFIED CUSTOMERS

CLAIMS SETTLED  TILL DATE : 65 LAKHS UPDATE.

OTHERS: LIC AGENT, REAL ESTATE , SOFTWARE & HARDWARE SOLUTION PROVIDER for supermarkets, Restaurents, Pharma Industries etc., 

Contact details: +91 98497 38040 , +91 75695 43718 

Why STAR HEALTH INSURANCE ? Here is the answer.

About Star Health

Star Health and Allied Insurance Co Ltd. commenced its operation in Chennai in the year 2006 as a standalone health insurance company. The company started with business interests in Health Insurance, along with the Overseas Mediclaim Policy and Personal Accident. Today, Star Health and Allied Insurance is a market leader, devoted to offering multiple health insurance products for individuals, families, and senior citizens in India. Promoters of Star Health Insurance include ETA Group, Star Health Investments Pvt. Ltd., and an ace investor, Rakesh Jhunjhunwala.

Star Health is India’s 1st and largest standalone health insurance company. Privately held, it is the first insurance company to launch a specialty policy called Star Cardiac Care for people suffering from cardiac ailments. Specialties of Star Health include health insurance, group health insurance, overseas travel insurance, accident insurance.

Key Highlights:

• No third-party involvement
• 434 offices across the country
• An array of sum insured options
• 9,800+ top-quality network hospitals
• Pre-policy medical health check-ups
• Cashless facilities in all network hospitals
• Automatic restoration of the entire sum insured by 100%

The mission of Star Health and Allied Insurance Co Ltd. is to offer a wide range of innovative products & services, apart from prompt, courteous & quality services to customers. Star Health ensures cashless treatment for the insured at their convenience across the country. The company is known for protecting policyholders and their loved ones from the medical situation which is beyond their control.

Moreover, Star Health is committed to leveraging state of the art technology for customer satisfaction and adopting best management practices in business operations. It has health insurance policies for families, individuals, women, senior citizens, children. The Comprehensive Insurance Plan of the insurer is perfect for you to stay away from worries. Check out its features and benefits. Lastly, the company leaves no stone unturned in ensuring that ‘Health is never compromised’.

• * 9,800+ Network Hospitals
• 37,34,365 Policies Issued
• 63% Incurred Claim Ratio
• Lifelong Renewability
• 90% Claim Settlement Ratio
• 100% In-House Claim Settlement

Please call us for Health Insurance Policy.

We can give you free health Insurance advice as per your request.

We have below list of policies which are suitable for every individual.

For more enquires Please call us on +91 98497 38040 , +91 75695 43718

Email id: healthadvisor2019@gmail.com