Major Plans by Star Health & Allied Insurance
Major Plans by Star Health & Allied Insurance
Super Star Insurance Plan
- Eligibility: Adults 18–65 years, children from 91 days to 25 years (dependent).
- Sum Insured: ₹7.5 lakh – ₹1 crore.
- Highlights:
- “Limitless Care” benefit – one claim without sum insured limit.
- Unlimited restoration of sum insured.
- 100% bonus on renewal.
- No room rent restriction (any category).
- Optional covers like wellness, global coverage, etc.
🔹 Star Flexi Plan
- Eligibility: Adults 18–65 years, children from 91 days (family floater option).
- Sum Insured: ₹5 lakh – ₹1 crore (varies by Essential, Preferred, Secure variants).
- Highlights:
- Customizable benefits.
- Room rent flexibility.
- Air ambulance cover (higher variants).
- Wellness programs & discounts.
🔹 Family Health Optima Insurance Plan
- Eligibility: Adults 18–65 years, children from 16 days – 25 years.
- Sum Insured: ₹1 lakh – ₹25 lakh (family floater).
- Highlights:
- One sum insured shared by family.
- Automatic restoration of sum insured.
- Covers newborn baby from 16th day.
- Ambulance charges & AYUSH treatments covered.
🔹 Medi Classic Insurance Policy (Individual)
- Eligibility: Adults 18–65 years, children from 16 days (dependent).
- Sum Insured: ₹50,000 – ₹25 lakh (depending on variant).
- Highlights:
- In-patient hospitalization, AYUSH, modern treatments.
- Psychiatric/psychosomatic disorders covered.
- Restoration of sum insured.
- Option for daily cash benefit (shared accommodation).
🔹 Smart Health Pro
- Eligibility: Adults 18–65 years, dependent children 16 days–25 years.
- Sum Insured: ₹5 lakh – ₹1 crore.
- Highlights:
- Unlimited restoration of sum insured.
- Cumulative bonus for claim-free years.
- Choice of any hospital room category.
- Preventive health checkups & wellness rewards.
🔹 Star Health Assure Insurance Policy
- Eligibility: Adults 18–65 years, dependent children 91 days–25 years.
- Sum Insured: ₹5 lakh – ₹2 crore.
- Highlights:
- Covers maternity, assisted reproduction, newborn baby, home care.
- Unlimited restoration of sum insured.
- Delivery expenses covered after waiting period.
- No capping on room rent for higher sums insured.
🔹 Star Comprehensive Insurance Policy
- Eligibility: Adults 18–65 years, children 91 days–25 years.
- Sum Insured: ₹5 lakh – ₹25 lakh.
- Highlights:
- Pre & post hospitalization, daycare, maternity cover.
- Outpatient dental & ophthalmic treatment.
- Personal accident cover included.
- PED (Pre-existing Disease) waiting period reduction option.
🔹 Star Cardiac Care Insurance Policy
- Eligibility: People aged 10–65 years with existing/past cardiac conditions.
- Sum Insured: ₹3 lakh – ₹4 lakh (Silver & Gold plans).
- Highlights:
- Covers cardiac + non-cardiac hospitalization.
- Pacemaker & cardiac device costs covered.
- 90 days waiting period for pre-existing cardiac conditions.
- Suitable for people with heart ailments.
🔹 Arogya Sanjeevani Policy (Star Health)
- Eligibility: Adults 18–65 years, children 3 months–25 years.
- Sum Insured: ₹1 lakh – ₹10 lakh.
- Highlights:
- Standard IRDAI-mandated plan.
- Hospitalization, daycare, AYUSH covered.
- Annual policy with co-payment clause.
- Affordable premiums, simple features.
🔹 Young Star Insurance Policy
- Eligibility: Adults 18–40 years (entry age capped), children 91 days–25 years.
- Sum Insured: ₹5 lakh – ₹1 crore.
- Highlights:
- Designed for younger families.
- Restoration of sum insured available.
- Lower premiums compared to other plans.
- Wellness benefits included.
🔹 Star Women Care Insurance Policy
- Eligibility: Women 18–75 years, children from 91 days.
- Sum Insured: ₹5 lakh – ₹1 crore.
- Highlights:
- Maternity & delivery cover (after waiting period).
- Assisted reproduction and sub-fertility treatment cover.
- Covers newborns and women-specific health issues.
- Lifetime renewability.
🔹 Super Surplus Insurance Policy (Top-up)
- Eligibility: Adults 18–65 years, children 3 months–25 years.
- Sum Insured: ₹5 lakh – ₹1 crore (above deductible).
- Highlights:
- Works as a top-up with deductible.
- Silver & Gold plan options.
- Affordable way to get higher coverage.
- Lifelong renewals.
🔹 Senior Citizens Red Carpet Health Insurance
- Eligibility: Entry from 60–75 years (no pre-insurance medical test).
- Sum Insured: ₹1 lakh – ₹25 lakh.
- Highlights:
- Specially designed for senior citizens.
- Lifetime renewals available.
- Covers pre-existing diseases after waiting period.
- Affordable premium for seniors.
