Description
Get Health Insurance plans for you and your loved ones
Health Insurance for Individuals
Coverage for unexpected medical expenses
Tax deduction benefits Coverage for pre- and post-hospitalisation costs
Holistic product with holistic benefits – Star Comprehensive Insurance Policy
Health Insurance for Family
Coverage for entire family
Affordable premiums that don’t break the bank Maternity and New Born coverage
Well-being and financial safety ensured
Health Insurance for Senior Citizens
Well-being and financial safety ensured
Coverage for pre-existing diseases
Stress-free retirement
Wealth of benefits to make those golden years count -Senior Citizens Red Carpet Health Insurance Policy
Why do I need a Health Insurance Policy?
The rising medical costs and an ever-increasing number of diseases make Health Insurance a necessity. While doing your financial planning, you should always add a Health Insurance plan to your list. The best health insurance policy is the one that meets your needs. Star Health expert advisors and our array of unique plans ensures you get the best health plan.
Financial Assistance
Make sure not to miss out on Health Insurance while planning your finance. Insuring yourself and your family members will make it certain that you are financially backed up in times of need. Medical inflation is ever-rising, so a sudden medical emergency may drain your saving.
Covers Pre-existing Diseases
Most Medical Insurance Policies cover Pre-existing Diseases. Any medical conditions or ailments from which the policyholder is already suffering before opting for the Medical Insurance Policy is referred as Pre-existing Disease.
Cashless Treatment
Cashless Health Insurance plays a huge role in today’s digital world. The quick cashless payment facilitates you to concentrate on your recovery rather than worrying about your medical bills payment process.
Lifestyle Changes
The rising health complications are linked to the current lifestyle and environmental pollution. This necessitates the importance of being secured with a mediclaim plan, which can shield yourself and your family from financial troubles.
Medical Inflation
The cost of health care has multiplied over the years. It is not wise to solely depend on your savings to cover your medical needs. With the best Health Insurance, you do not have to worry about medical expenses to avail quality treatment.
Ambulance Expenses
Like the hospitalisation cover, it is important that the transportation expenses of the person to the hospital are taken care of during health emergencies. It implies the necessity of a health Insurance plan which covers ambulance charges.
Pre & Post-Hospitalization
When it comes to health conditions, one often thinks only about hospitalization expenses. But what about the costs incurred before and after hospitalization? A health insurance plan covers such expenses, thus, relieving you from financial stress
Annual Health Check-up
Having a periodic health check-up helps you prevent various health problems. Besides providing cover for incurred medical expenses, Health Insurance Policies also facilitate annual health check-up that helps keep your health on track.
COVID-19 Cover
Pandemics like COVID-19 remind the importance of health and the necessity of Health Insurance. So, to be financially stable even during uncertainties,it is essential to buy health insurance.
Tax Benefits
Health Insurance is an essential investment for which you can avail the tax exemption. Under Section 80D of the Income Tax Act, 1961, a taxpayer can avail tax exemptions on premiums paid toward health policies.
Financial Assistance
Make sure not to miss out on Health Insurance while planning your finance. Insuring yourself and your family members will make it certain that you are financially backed up in times of need. Medical inflation is ever-rising, so a sudden medical emergency may drain your saving.
Covers Pre-existing Diseases
Most Medical Insurance Policies cover Pre-existing Diseases. Any medical conditions or ailments from which the policyholder is already suffering before opting for the Medical Insurance Policy is referred as Pre-existing Disease.
How to Choose the Best Health Insurance Plan?
Buying a health policy is one of the best investments you ever make. But how to choose a plan that best fits your needs? Knowing the inclusions and exclusions help you choose the best medical insurance plan. Here are some ways that will guide you through the process of buying a mediclaim policy.
INCLUSION
Hospitalisation Expenses
Most Medical Insurance plans cover hospitalisation expenses such as room rents, ICU charges, surgery expenses, doctor consultations, etc. incurred on illness, injury or accidents.
Pre & Post-Hospitalisation
Understanding the impact of rising medical expenses, most Medical Insurance Policies cover pre and post-hospitalisation expenses related to in-patient hospitalisation.
Day Care Treatment
Technological advancements have reduced the time of surgeries and treatments that once cost a lot of time. Hence, buy health insurance that cover Day Care treatments and procedures.
Domiciliary Hospitalization
Some Medical Insurance Policies also cover Domiciliary treatments taken at home on the advice of the medical practitioner.
Organ Donor Expenses
Most health insurance policies cover Organ Donor Expenses. Organ harvesting and transplantation expenses are covered if the insured person is the recipient.
Road Traffic Accident
Accidents are unpredictable. Most mediclaim plans cover in-patient hospitalisations due to road traffic accidents.
AYUSH Cover
In addition to allopathic treatments, most private health Insurance plans also cover alternative systems of medicines such as Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy.
Health Check-up
In addition to hospitalisation and other benefits, Medical Insurance Policies also cover the expenses incurred for Health Check-up.
Automatic Restoration
What if your medical expenses exceed your Sum Insured? At such times, the restoration benefit restores 100% of your Sum Insured automatically after its full or partial exhaustion.
EXCLUSION
Self-Inflicted Injuries
Any form of self-inflicted injuries will not be covered under Medical Insurance policies.
Obesity/Weight Control
Most health insurance will not cover expenses incurred due to the treatment for obesity or weight control.
Cosmetic or Plastic surgery
Most Health Insurance Plans will not cover expenses incurred due to the treatment for cosmetic or plastic surgery if performed to enhance the appearance.
Hazardous or Adventure Sports
Health Insurance policies will not cover expenses incurred due to any health complications for indulging in hazardous or adventure sports.
Dental Treatments
Health Insurance Plans will not cover Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalisation.
Medical Aid
Health Insurance Plans will not cover the cost of spectacles, hearing aids, wheelchairs, walkers and crutches and other similar aids.
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