In your search for the perfect health insurance policy in India, you would have definitely come across the brand name of “Star”. In this Star Health Insurance review we will try to help you figure out whether this provider and its policies are worth paying premium for or not.
Star Health is basically a joint venture between the Oman Insurance Company, the ETA ASCON group, and a number of other smaller insurers in the country. The venture now has over 140 branches all over India.
This provider is among the other standalone private companies in India, such as Apollo Munich and Max Bupa. This provider in particular is recognized as a premier institution for individuals and families to begin an insurance policy for their health.
With a wide range of policies for almost every disease and condition imaginable, this company has distinguished itself in the eyes of the Indian consumer.
Let’s take a look at some of the popular and noteworthy policies that this provider offers to Indian men, women and families:
- Medi Classic
Under this particular policy, those insured will be covered for both pre- and post-hospitalization health care expenses. This also includes all expenses incurred for nursing, ambulance costs, and the cost of medicines, drugs and other necessary medical items used during a procedure. Even the fees of your specialist, be it surgeons, neurologists, etc, are covered.
- Medi Premier
There are two distinct sections that you will find in this plan. Section 1 deals with the coverage of unexpected illness, while section 2 concerns itself with guaranteeing those insured with a 50% assured amount in case of a diagnosis of certain health conditions like cancer, strokes, or renal failure.
This plan is a good idea for those who expect to live a long full life, and would like to cater for as much as they can for expected and serious diseases or conditions.
- True Value
This is the one policy that Star Health has initiated to rope everybody in – this one is for the masses of India. You will find that there is a wide range of sum assured options ranging from Rupees 30-80,000 if you opt for this one.
This cover also promises adequate coverage for hospitalization, nursing and the cost of blood, oxygen and medicines. Your doctor’s fees are also covered here.
- Super Surplus
This plan is available in two variations – one for individuals, and another for the entire family. It is recognized as a good choice for protection at a significantly low price. The maximum sum assured under this cover is of Rupees 10,00,000.
- Senior Citizen Red Carpet
As the name suggests, the coverage found here is applicable for senior citizens in India. This means that only men and women over the age of 60 years are allowed to apply.
All pre-existing conditions and diseases are covered during the first year. You will find that in-patient hospitalization, the cost incurred for nursing, medicines, drugs and doctor consultations are all included here.
- Family Health Optima
This can be considered to be the cheapest option for Indians looking for a provider that covers an entire family under a single sum assured. Every family member between the age of 5 months and 60 years is eligible to benefit from this policy’s coverage.
- Star Netplus
Specially initiated for victims of HIV, this policy has no age limitations for applicants. Only people who are medically diagnosed as being HIV positive in India are considered for coverage.
- Star Criticare Plus
This policy has two distinct sections to it – section 1 provides the insured party a in-patient hospitalization cover. Section 2 on the other hand promises this party a guaranteed amount in case there is a diagnosis of a major disease for the first time.
Some of the diseases that are included here are:
- Kidney conditions
- Brain tumor, and
- Organ transplants
- Diabetes Safe Insurance
Only individuals who have Diabetes Mellitus Type II can apply for this plan. It offers coverage to these individuals for treating conditions that are common among people suffering from this disposition. Conditions included here are:
- Diabetic Retinopathy
- Diabetic foot ulcer, and
- Diabetic Nephropathy
- Star Gain
For a very low premium, the Star Gain policy offers in-patient and out-patient hospitalization coverage to individuals. The premium that one pays for it is eligible for tax exemption under section 80D of the IT Act of India.
Those of you who are seriously considering Star should know that they also offer a round-the-clock general physician facility, accompanied and aided by a widespread network of over 4500 hospitals.
The company is also the official provider for the Tamil Nadu employees association and Aarogyasri, which is a community insurance scheme for the people of Andra Pradesh. The company also features a unique cashless service facility which doesn’t require the intervention of a third party administrator.
This Star Health Insurance review find these policies to be quite good for Indians nationwide, and should definitely be considered by all those interested to invest in a safe and secure future.