Thursday, 8 October 2020

Star Health Insurance: Know Plans, Benefits and Premium

Star Health and AlliedBima Company Limited is a joint venture between Oman Insurance Company (UAE), Tata Capital Growth Fund, ICICI Venture Funds, Sequoia Capital and Alpha TC Holding Pte Ltd (Singapore).
Star Health Insurance: Know Plans, Benefits and Premium

Star Health Insurance Firm was established and approved by the Insurance Regulatory and Development Authority of India (IRDA) in 2006 Well being Insurance offers a wide range of health insurance products at an affordable price.

The company also has a variety of medical health insurance schemes to cater to the insurance wants of families, senior citizens, people, travelers and students.

Through the years, the company has built a robust buyer base via its easy declare course of and hassle-free claim settlement. In 2013, Star Health and Allied Insurance coverage Company Restricted became the primary insurance firm to introduce Star Cardiac Care - a special coverage for individuals suffering from cardiac diseases.

There are Certain Star Health Insurance Plan available

  1. Star Senior Citizen Red Carpet Insurance
  2. universal insurance
  3. Star MediClassic Insurance
  4. Star Health Benefits Insurance
  5. Star Super Surplus Insurance
  6. Star Unique Health Insurance
  7. Star diabetes safe insurance
  8. Star Cardiac Care Insurance
  9. Star Wedding Gift Insurance Rural
  10. Star Net Plus Insurance
  11. Star Student Care Insurance
  12. Star Care Insurance
  13. Star Criticare Plus Insurance
  14. Star family delete insurance

There are Five Different Star Health Insurance with Benefits

Lets Know the policy in deatails with benefits

1. Star Comprehensive Insurance Policy

Star Comprehensive Plan is the best choice of the customers due to its complete coverage with affordable premium rates. The scheme supplies full protection against medical bills arising from any disease.

Features and Benefits

Most protection of 5,000 per day is provided as a daily allowance for room charges, boarding and nursing bills. Single private A / C room facility for Sum Insured above Rs. 5 lakhs.

Costs coming by medical providers such as a surgeon, anesthetist, medical practitioner, consultant, anesthesia, blood, oxygen, operation theater fee, pacemaker, drugs, and drugs, and many others. are all covered under the plan. 750 per hospitalization is charged if the insured needs immediate transport to the closest hospital.

Air ambulance facility available on the chosen sum insured and as much as 10% of the sum insured can be used. Second medical opinion selection for policyholders who're unsure of the diagnosis results of a particular disease and wish to seek a extra skilled advice before beginning treatment for the same

2. Senior Citizen Red Carpet Health Insurance Policy

Star Health meets Senior Citizen Red Carpet Policy to meet health care expenses over 60 years of age and supply a secure future to senior citizens. Options and benefits are incurred on hospitalization of the patient for treatment of specific ailments lasting greater than 24 hours.

10% discount on the premium is given on submission of the next medical test report of the policyholder such as stress thallium report, sugar (blood and urine), creatinine, blood, urea and blood pressure report. 50% of the sum insured is paid for bills such as pacemaker, blood, oxygen, operation theater fee, anesthesia, and many others

25% of the sum insured is provided towards cost of specialist fees, anesthetist, medical practitioner, guide and surgeon. Out-patient counseling for any minor illness in any network hospital, the place an amount of 200 is given for each consultation. The per capita counseling limit per coverage year will depend on the optimized amount

3. Star Super Surplus (Floater) Insurance Policy

Star Super Surplus Insurance is a health top-up plan that's available on a floater basis that gives protection to the policyholder by covering all of the daily medical prices that gradually eliminate your savings can do.

It also offers extremely insured options with various plans at nominal costs. Variant Silver Scheme: The plan provides limited cover for pre and post hospitalization, boarding and nursing expenses, guide's fees, surgeon's fees and room charges.

Gold plan: Silver plan plus single standard A / C room, Maternity expenses, Organ donor bills, Emergency ambulance charge, Air ambulance, Recharge benefit, Medical Second Opinion and many others. covers all the medical costs mentioned.

Features & Benefits

Room rent, boarding, nursing expenses for in-patient hospitalization as much as a most of Rs. 4,000 per day. Costs of pacemakers, blood, oxygen, operation theater fees, anesthesia, medication and different associated bills are covered. Pre-hospitalization as much as 30 days and post-hospitalization up to 60 days are coated.

Illnesses related to cataract treatment and bone replacement, ulcers, thyroid disease, diseases of penetration, biliary diseases, hernia, diseases related to female sexual organs, eye chambers, and many others. are coated.

Emergency ambulance expenses as much as Rs 3,000 per hospital. Supply prices are paid as much as Rs 50,000 per coverage time period on Caesarean section delivery (including prenatal, postnatal expenses and valid medical termination of pregnancy). A maximum of two deliveries are covered. Organ donor bills for organ transplant of the policyholder are also coated under the policy.

4. Family Health Optima Insurance Scheme

The Star Family Health Optima Scheme caters to the health wants of individuals and families by compensation for medical expenses arising out of hospitalization, surgery / remedy / diagnostic checks, health check-ups, and many others.

Feature and Benefits

Auto-replenishment of sum insured if the insured has consumed the entire amount of the sum insured by steady claims. Refills will be increased up to 100% (every time) as much as Three times. Additional Sum Insured for Road Visitors Accident (RTA) which caused broken limbs of the physique and hospitalized the insured.

A most of 5 lakhs is allowed from the sum insured. In-patient hospitalization and air ambulance cowl are also coated by the scheme.

New child bills such as daily nutrition, immunization, medicines, and many others. are covered as much as 50,000 or 10% of the sum assured, and protection will start from the 16th day of start.

Return of mortal, where 5,000 is given to the insured's house to cover the cost of return in respect of his insurance and supply. The cost will include the cost of embalming, coffin expenses, and many others. Shared accommodation for any kind of remedy during inpatient hospitalization. Insurance by Medical 

Donor expenditure for organ transplant as advised to the individual. The cost of an annual health check-up is roofed up to a most of 3,500.

5. Medi Classic Insurance Policy (Individual)

Medi Classic Insurance policy supplies safety against health bills of people and family members beneath affordable premium rates. The motive behind this scheme is to guard your savings by giving timely protection during emergencies like treatment of any disease or accidents.

Features and Benefits

All bills under inpatient hospitalization are duly paid such as insurance payments, consulting fees, surgeon fees, doctor's fees, blood, room service fees, nursing, operation theater prices, etc. Emergency ambulance facility in every hospital for up to Rs 1500 per policy term. Non-allopathic treatment where the insured has to choose 25% of the sum assured.

The gradual reinstatement of the sum assured is 200% if all the sum insured is claimed towards declare settlement. A cumulative bonus equal to 25% of the sum assured is credited to the profit pool of the scheme. Bonus is given only if no declare is made by the insured in the policy year

No comments:

Post a Comment