star-health

review Star Health Insurance

Star Health and Allied Insurance Co Ltd, commenced operations in 2006 as India’s first Standalone Health Insurance provider. Star Health has excellent products to cater everybody, be it individuals, families or corporates.Star Health provides the following Health Insurance plans ​
  • Plan 1
  • Plan 2
  • Plan 3
  • Plan 4
  • Plan 5
  • Plan 6
  • Compare

Sum Insured Available:

  • 5.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single standard A/C room
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Delivery charges (Normal)

  • Rs 10,000

Coverage for New Born Baby

  • Up to Rs. 50,000
Ambulance Cover

Vaccination Expenses for New Born

  • Up to Rs. 1,000
vaccination baby
Health Check-up

Out Patient Dental / Ophthal (eye) Coverage

  • Rs.5000, once in a block of 3 years of continuous renewal

health maintenance

Out Patient Medical Consultation other than Dental and Ophthal

  • Up to Rs.1,200 (per consultation limit of Rs. 300)

Hospital Cash Benefit

  • Rs 500 (Up to 7 days per occurrence & 120 days in a policy year)

cashless-facility

Health Check-up

  • Rs 5,000 (payable for a block of every 3 claim free years)

Donor Expenses
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.

Day Care Treatment

  • Covered up to the limit of sum insured. 

Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
     

Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Covered up to the limit of sum insured. 
​Expert Opinion on Critical Illness

Expert Opinion on Critical Illness

  • Available once during the policy year. 

Cover for Accidental death and Permanent Total disablement

  • Rs 5,00,000
Permanent Total disablement

Bariatric Surgery

  • Rs 2,50,000

Bariatric Surgery

Air Ambulance Cover

  • Not Available


Air Ambulance Cover

 

Sum Insured Available:

  • 7.5 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single standard A/C room
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Delivery charges (Normal)

  • 20,000

Coverage for New Born Baby

  • Up to Rs. 50,000
Ambulance Cover

Vaccination Expenses for New Born

  • Up to Rs. 1,000
vaccination baby
Health Check-up

Out Patient Dental / Ophthal (eye) Coverage

  • Rs.5000, once in a block of 3 years of continuous renewal

health maintenance

Out Patient Medical Consultation other than Dental and Ophthal

  • Up to Rs.1,500 (per consultation limit of Rs. 300) ​

Hospital Cash Benefit

  • Rs 750 (Up to 7 days per occurrence & 120 days in a policy year)

cashless-facility

Health Check-up

  • Rs 7,500 (payable for a block of every 3 claim free years)

Donor Expenses
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year ​

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 100% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 100%.

Day Care Treatment

  • Covered up to the limit of sum insured. 405 day care procedures are covered.

Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
     

Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event.
​Expert Opinion on Critical Illness

Expert Opinion on Critical Illness

  • Available once during the policy year.

Cover for Accidental death and Permanent Total disablement

  • Rs 7,50,000
Permanent Total disablement

Bariatric Surgery

  • Rs 2,50,000

Bariatric Surgery

Air Ambulance Cover

  • 10% of sum insured


Air Ambulance Cover

 

Sum Insured Available:

  • 10.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single standard A/C room
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Delivery charges (Normal)

  • 25,000

Coverage for New Born Baby

  • Up to Rs. 1,00,000
Ambulance Cover

Vaccination Expenses for New Born

  • Up to Rs. 1,000
vaccination baby
Health Check-up

Out Patient Dental / Ophthal (eye) Coverage

  • Rs.10,000, once in a block of 3 years of continuous renewal

health maintenance

Out Patient Medical Consultation other than Dental and Ophthal

  • Up to Rs.2,100 (per consultation limit of Rs. 300)

Hospital Cash Benefit

  • Rs 750 (Up to 7 days per occurrence & 120 days in a policy year)

cashless-facility

Health Check-up

  • Rs 7,500 (payable for a block of every 3 claim free years)

Donor Expenses
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year ​

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 100% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 100%..

Day Care Treatment

  • Covered up to the limit of sum insured. 405 day care procedures are covered.

Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
     

Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Up to Rs 3,500 paid per hospitalisation event.
​Expert Opinion on Critical Illness

Expert Opinion on Critical Illness

  • Available once during the policy year.

Cover for Accidental death and Permanent Total disablement

  • Rs 10,00,000
Permanent Total disablement

Bariatric Surgery

  • Rs 2,50,000

Bariatric Surgery

Air Ambulance Cover

  • 10% of sum insured


Air Ambulance Cover

 

Sum Insured Available:

  • 15.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single standard A/C room
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Delivery charges (Normal)

  • 25,000

Coverage for New Born Baby

  • Up to Rs. 1,00,000
Ambulance Cover

Vaccination Expenses for New Born

  • Up to Rs. 1,000
vaccination baby
Health Check-up

Out Patient Dental / Ophthal (eye) Coverage

  • Rs.10,000, once in a block of 3 years of continuous renewal

health maintenance

Out Patient Medical Consultation other than Dental and Ophthal

  • Up to Rs.2,400 (per consultation limit of Rs. 300)

Hospital Cash Benefit

  • Rs 1,000 (Up to 7 days per occurrence & 120 days in a policy year)

cashless-facility

Health Check-up

  • Rs 12,000 (payable for a block of every 3 claim free years) ​

Donor Expenses
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year ​

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 100% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 100%..

Day Care Treatment

  • Covered up to the limit of sum insured. 405 day care procedures are covered.

Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
     

Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Up to Rs 3,500 paid per hospitalisation event.
​Expert Opinion on Critical Illness

Expert Opinion on Critical Illness

  • Available once during the policy year.

Cover for Accidental death and Permanent Total disablement

  • Rs 15,00,000
Permanent Total disablement

Bariatric Surgery

  • Rs 2,50,000

Bariatric Surgery

Air Ambulance Cover

  • Rs 2,50,000


Air Ambulance Cover

 

Sum Insured Available:

  • 20.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single standard A/C room
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Delivery charges (Normal)

  • 25,000

Coverage for New Born Baby

  • Up to Rs. 1,00,000
Ambulance Cover

Vaccination Expenses for New Born

  • Up to Rs. 1,000
vaccination baby
Health Check-up

Out Patient Dental / Ophthal (eye) Coverage

  • Rs.10,000, once in a block of 3 years of continuous renewal

health maintenance

Out Patient Medical Consultation other than Dental and Ophthal

  • Up to Rs.3,000 (per consultation limit of Rs. 300)

Hospital Cash Benefit

  • Rs 1,000 (Up to 7 days per occurrence & 120 days in a policy year)

cashless-facility

Health Check-up

  • Rs 12,000 (payable for a block of every 3 claim free years) ​ ​

Donor Expenses
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year ​

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 100% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 100%..

Day Care Treatment

  • Covered up to the limit of sum insured. 405 day care procedures are covered.

Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
     

Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Up to Rs 4,500 paid per hospitalisation event.
​Expert Opinion on Critical Illness

Expert Opinion on Critical Illness

  • Available once during the policy year.

Cover for Accidental death and Permanent Total disablement

  • Rs 20,00,000
Permanent Total disablement

Bariatric Surgery

  • Rs 2,50,000

Bariatric Surgery

Air Ambulance Cover

  • 10% of sum insured


Air Ambulance Cover

 

Sum Insured Available:

  • 25.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single standard A/C room
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Delivery charges (Normal)

  • 25,000

Coverage for New Born Baby

  • Up to Rs. 1,00,000
Ambulance Cover

Vaccination Expenses for New Born

  • Up to Rs. 1,000
vaccination baby
Health Check-up

Out Patient Dental / Ophthal (eye) Coverage

  • Rs.10,000, once in a block of 3 years of continuous renewal

health maintenance

Out Patient Medical Consultation other than Dental and Ophthal

  • Up to Rs.3,000 (per consultation limit of Rs. 300)

Hospital Cash Benefit

  • Rs 1,500 (Up to 7 days per occurrence & 120 days in a policy year)

cashless-facility

Health Check-up

  • Rs 12,000 (payable for a block of every 3 claim free years) ​ ​

Donor Expenses
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year ​

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 100% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 100%..

Day Care Treatment

  • Covered up to the limit of sum insured. 405 day care procedures are covered.

Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
     

Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Up to Rs 5,000 paid per hospitalisation event.
​Expert Opinion on Critical Illness

Expert Opinion on Critical Illness

  • Available once during the policy year.

Cover for Accidental death and Permanent Total disablement

  • Rs 25,00,000
Permanent Total disablement

Bariatric Surgery

  • Rs 2,50,000

Bariatric Surgery

Air Ambulance Cover

  • 10% of sum insured


Air Ambulance Cover

 

Features
Plan1
Plan2
Plan3
Plan4
Plan5
Plan6
Sum Insured (lacs) 5.0 7.5 10.0 10.0 20.0 25.0
Pre-hospitalisation period 30 days 30 days 30 days 30 days 30 days 30 days
Post-hospitalisation period 60 days 60 days 60 days 60 days 60 days 60 days
Room Rent Single standard A/C room Single standard A/C room Single standard A/C room Single standard A/C room Single standard A/C room Single standard A/C room
ICU Charges Actual Actual Actual Actual Actual Actual
Ambulance Cover (Reimbursement of Ambulance expenses) Up to Rs 2,000 per hospitalisation event Up to Rs 3,000 per hospitalisation event Up to Rs 3,500 per hospitalisation event Up to Rs 4.000 per hospitalisation event Up to Rs 4,500 per hospitalisation event Up to Rs 5,000 per hospitalisation event
Air Ambulance Not Available Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured Upto 10% of Sum Insured
Delivery Charges (Normal Delivery) Rs 10,000 Rs 20,000 Rs 25,000 Rs 25,000 Rs 25,000 Rs 25,000
Delivery Charges (Caesarean Section) Rs 15,000 Rs 40,000 Rs 40,000 Rs 40,000 Rs 40,000 Rs 40,000
Waiting Period for Delivery 36 months for first delivery 36 months for first delivery 36 months for first delivery 36 months for first delivery 36 months for first delivery 36 months for first delivery
Coverage for New Born Child Up to Rs.50,000 Up to Rs.1,00,000 Up to Rs.1,00,000 Up to Rs.1,00,000 Up to Rs.1,00,000 Up to Rs.1,00,000
Vaccination cover for New Born Child Up to Rs 1,000 Up to Rs 1,000 Up to Rs 1,000 Up to Rs 1,000 Up to Rs 1,000 Up to Rs 1,000
Out Patient Dental / Ophthal Coverage once in a block of every 3 years of continuous renewal Up to Rs 5,000 Up to Rs 5,000 Up to Rs 10,000 Up to Rs 10,000 Up to Rs 10,000 Up to Rs 10,000
Out Patient medical consultation coverage other than outpatient Dental / Ophthal Up to Rs 1,200 (per consultation limit Rs 300) Up to Rs 1,500 (per consultation limit Rs 300) Up to Rs 2,100 (per consultation limit Rs 300) Up to Rs 2,400 (per consultation limit Rs 300) Up to Rs 3,000 (per consultation limit Rs 300) Up to Rs 3,300 (per consultation limit Rs 300)
Hospital Cash up to 7 days per occurrence & up to 120 days per policy period Rs 500 per day Rs 750 per day Rs 750 per day Rs 1,000 per day Rs 1,000 per day Rs 1,500 per day
Health Check Up once in a block of every 3 claim free years of continuous renewal Up to Rs 5,000 Up to Rs 7,500 Up to Rs 7,500 Up to Rs 12,000 Up to Rs 12,000 Up to Rs 12,000
Restoration benefit after exhaustion of sum insured (once during the policy year) 100% 100% 100% 100% 100% 100%
Cover for Accidental Death & Permanent Total Disablement 5,00,000 7,50,000 10,00,000 15,00,000 20,00,000 25,00,000

Sum Insured Available:- Starts From 4.5 lacs   to 50 lacs

Sum Insured Available:

  • 5.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  • Single standard A/C room
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 30 days before date of hospitalisation
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 60 days post discharge from hospital​

Waiting Period for Specific Diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 48 months 
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Delivery charges (Normal)

  • Rs 10,000

Coverage for New Born Baby

  • Up to Rs. 50,000
Ambulance Cover

Vaccination Expenses for New Born

  • Up to Rs. 1,000
vaccination baby
Health Check-up

Out Patient Dental / Ophthal (eye) Coverage

  • Rs.5000, once in a block of 3 years of continuous renewal

health maintenance

Out Patient Medical Consultation other than Dental and Ophthal

  • Up to Rs.1,200 (per consultation limit of Rs. 300)

Hospital Cash Benefit

  • Rs 500 (Up to 7 days per occurrence & 120 days in a policy year)

cashless-facility

Health Check-up

  • Rs 5,000 (payable for a block of every 3 claim free years)

Donor Expenses
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.

Day Care Treatment

  • Covered up to the limit of sum insured. 

Day Care Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
     

Domiciliary Treatment
Ambulance Cover

Ambulance Cover

  • Covered up to the limit of sum insured. 
​Expert Opinion on Critical Illness

Expert Opinion on Critical Illness

  • Available once during the policy year. 

Cover for Accidental death and Permanent Total disablement

  • Rs 5,00,000
Permanent Total disablement

Bariatric Surgery

  • Rs 2,50,000

Bariatric Surgery

Air Ambulance Cover

  • Not Available


Air Ambulance Cover

 

About Happoos

We love our families and want to do the best for them. The decisions we make and the actions we take have the needs and the interest of the family at its core. One of the best decisions you can take for your family is to invest in a health insurance policy.