Covers Of Star Health Insurances

Covers Of Star Health Insurances

Star health insurance is one of the leading health insurance service providers in India with more than 8,200 network hospitals and more than 2,579,591 health policies issued till date. A joint venture between ICICI Ventures Funds Management, Tata Capital Growth, Oman Insurance Company, Sequoia Capital, and Alpha TC Holdings Pte Ltd, this company was approved by IRDA in the year 2006. Star Health Insurance Company has received various accolades and awards for providing its customer with unparalleled services, hassle-free claim settlements, and unique policy features.

Being the first standalone insurance provider in India, Star Health Insurance Company provides quick and hassle-free claim settlements to its policyholders. Not only that, Star health insurance plans come with a plethora of innovative features which make them one among the top health insurance service providers in India.

Ambulance Facilities of Star Health Insurance

Star Health insurance provides its customers with countless choices in health insurance policy with ambulance facilities linked to almost all the plans.

Covers Of Star Health Insurances

Read on to know more about the kind of ambulance cover you would get from each category of star health insurance policy.

#1. Family Health Insurance

Most of the plans of Star health insurance cover your whole family and are available on a floater basis. The policy covers road ambulance support and airlift in case of emergencies. The Health Gain, Family Health Optima, and Family Delite insurance policies cover you against emergency ambulance charges of up to INR 750/- per hospitalization and an overall of INR 1,500/- during a policy period. The new  included benefits in the family health insurance plans are compassionate travel, shared accommodation, Ayush treatment, additional sum insured for road traffic accident, emergency medical evacuation etc.

#2. Senior Citizen Health Insurance

With an age limit of 60-75 years, this plan is exclusively designed to cover the healthcare needs of senior citizens. The plan covers road ambulance charges of up to INR 600/- per hospitalisation and INR 1,200/- in case of emergencies.

#3. Star Health Comprehensive

The plan covers you against emergency ambulance charges of minimum INR 2,000/- per policy period, and a maximum of INR 5,000/- based on the sum insured opted. In case of air ambulance, per policy limit is up to 10% of the sum insured opted for a sum insured of INR 7.5 lakhs and above.

#4. Star Health Criticare Plus

This policy covers over 9 specified critical ailments and provides the policyholder with a lump sum payment on diagnosis of any of the specified ailment. Criticare Plus covers you against ambulance charges via road for up to a sum of 750/- per hospitalisation and a maximum of INR 1,500/- during the policy period.

#5. Star Health Diabetes Safe, Cardiac Care, and Medi Classic

The diabetes safe health insurance plans provide you with an emergency ambulance cover of up to INR 2,000/- per policy period. The cardiac care and medi classic insurance policies cover you against emergency ambulance charges of up to INR 750/- per hospitalization and an overall of INR 1,500/- during a policy period.

Sum Insured of Star Health Insurance Plans

Star health insurance plans come with a sum insured ranging from INR 1 lakh to a maximum of INR 25 lakhs with lifelong renewability. Let us look at it on a more individualistic level.

Star Health Plan Sum Insured (INR)
Family Health Optima 3 lakhs to 25 lakhs
Senior Citizen Red Carpet 1 lakh to 10 lakhs
Star Comprehensive Health 5 lakhs to 25 lakhs
Medi Classic 1.5 lakhs to 10 lakhs
Gain 1 lakh to 5 lakhs
Super Surplus 3 lakhs to 10 lakhs
Unique 1 lakh to 3 lakhs
Diabetes Safe 3 lakhs to 10 lakhs
Cardiac Care 3 lakhs to 4 lakhs
Wedding Gift 3 lakhs to 5 lakhs
Net Plus 30,000 to 50,000
Care 1 lakh
Criticare Plus 2 lakh to 10 lakhs
Family Delite 2 lakhs to 3 lakhs

An Afterthought

Star Health insurance policies are designed keeping in mind all kinds of health insurance needs, both for families and individuals. Depending on your healthcare needs and age, you have an option of choosing from a wide range of plans and sum insured from to benefit you in case of any medical emergencies.