Star Health Plans

Comprehensive health insurance with a very wide range of covers and add-ons

• In-patient, day care, 12 modern treatments, AYUSH, home care and domiciliary cover
• Pre-hospitalisation 90 days · Post-hospitalisation 180 days
• Cumulative bonus of 50% of sum insured per claim-free year (up to 100%) and unlimited automatic restoration
• Air ambulance up to ₹5 lakh per year; road ambulance; organ-donor cover over and above the sum insured
• Unlimited tele-consultation, AI face scan, "Freeze your age" and a premium waiver on listed critical illness / accidental death of the proposer
• Wellness Programme discounts of 4% – 20% at renewal; long-term discounts up to 16%
• Waiting periods: 30 days initial · 36 months pre-existing (can be reduced by add-on) · 24 months specified diseases
• Optional covers: Quick Shield, maternity & new-born, personal accident, hospital cash, annual check-up, NRI Advantage and more

Health insurance for the whole family — parents and in-laws can be covered too

• Room, ICU, surgeon fees, dialysis, chemotherapy, day care, AYUSH and modern treatments
• Pre-hospitalisation 60 days · Post-hospitalisation 180 days
• Cumulative bonus of 25% per claim-free year (up to 100%) and unlimited automatic restoration
• Delivery / caesarean up to 10% of sum insured, in-utero fetal surgery, assisted reproduction (one cycle a year) and new-born care
• Air ambulance up to 10% of sum insured per year; home care; unlimited tele-consultation; second opinion
• Waiting periods: 30 days initial · 36 months pre-existing (30 months on 3-year term) · 24 months specified diseases & maternity
• 10% co-payment if the member enters at age 61 or above; optional aggregate deductible for lower premium
• Wellness Programme discounts of 4% – 20%; 30-day free-look on new policies

All-round cover with maternity, new-born, OPD and accident benefits built in

• Private single AC room, ICU, day care, domiciliary, psychiatric treatment and road ambulance
• Air ambulance up to ₹2.5 lakh per hospitalisation and ₹5 lakh per year
• Pre-hospitalisation 60 days · Post-hospitalisation 90 days
• Built-in extras: accidental death & disability, AYUSH, delivery & new-born cover, vaccination, OPD consultation, dental / eye, health check-up, hospital cash (limits vary by sum insured)
• No-claim bonus up to 100% and automatic restoration once per policy year
• Waiting periods: 30 days initial · 2 years specific diseases · 3 years pre-existing (optional buy-back to 12 months) · 24 months delivery
• 10% co-payment if entry age is above 60; no pre-policy medical check-up required
• Wellness Programme discount of up to 10% on renewal

Health insurance designed around the health needs of women

• Maternity and delivery expenses, with ante-natal care, when both spouses are on one family floater
• Assisted reproduction cover including IVF, with a 3-year waiting period
• Pre-hospitalisation 60 days · Post-hospitalisation 90 days; day care; AYUSH
• No-claim bonus of 20% per claim-free year (up to 100%) and restoration of sum insured
• Annual health check-up and outpatient consultation benefit (up to ₹2,500 a year)
• Waiting periods: 30 days initial · 2 years pre-existing and specified illnesses · 1 – 2 years maternity
• Please ask us for the latest brochure — benefits and limits can differ by version

Affordable, modern health cover for young adults and young families

• Choose Silver or Gold; room, ICU, surgeon fees, day care and road ambulance included
• Pre-hospitalisation 60 days · Post-hospitalisation 90 days
• Cumulative bonus of 20% per claim-free year (up to 100%) and one 100% automatic restoration
• Road Traffic Accident benefit: sum insured +25% (max ₹10 lakh) when a helmet was worn
• Gold plan adds delivery cover up to ₹30,000 (36-month wait) and hospital cash of ₹1,000 a day
• Short waiting periods: 30 days initial · only 12 months for pre-existing and specified diseases
• Online discount of 5%, wellness discount up to 10%, and a 15-day free-look period