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Star Health Insurance

Star Health Insurance - buy online

Star Health insurance plans are designed to suit your requirements best as per your budget. By providing a guidance to the path of wellness through protection of prevention and cover, Star Health insurance helps the insured to guard oneself from costly health care.

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Star health insurance - Key highlights

  • Inpatient hospitalization/treatment
  • Pre-hospitalization and Post-hospitalization expenses
  • Pre-existing diseases are included subject to prior coverage by a domestic insurer; usually for the four years preceding policy inception
  • Floater basis and individual basis
  • Reinstatement of sum assured
  • Individual basis: The sum assured is per person insured
  • Reinstatement of sum assured: Normally allowed after a specified number of claim-free years
  • (Room, nursing, boarding, surgery, anaesthetist, medical practitioner, consultation, specialists, oxygen, OT charges, X-ray, dialysis, chemotherapy, diagnostic materials, blood, medicine, drugs etc. depending on the plan chosen. This is not a restrictive list)

Star Health insurance review

Star Health Insurance
Star health insurance sum insured
1 lac − 100 lacs options available
Incurred Claims Ratio *
63.00%
Star health insurance tenure options
1, 2, 3 years options available
Claims Settlement Ratio **
81.62%
List of network hospitals
9,900+ hospitals
Number of policies issued *
3,734,365
Maximum family floater coverage
Self, Spouse + 3 dependent children
Number of lives covered *
11,617,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Star health insurance – Overview

Star Health and Allied Insurance Co Ltd commenced its operations in 2006 with the business interests in Health Insurance, Overseas Mediclaim Policy and Personal Accident and thereby had the distinction of being the First Stand Alone Health Insurance company in India. With no other insurance category to focus and divide their attention, they usedtheir resources to focus on service excellence, design products and use core competency of innovation to deliver the best to all category of customers.

Star Health Insuranceoffers a wide range of comprehensive health insurance products at affordable prices to make health insurance accessible to every human being in India. And as a company, single-mindedly dedicated to health insurance, they have the been able to penetrate the average Indian household with their unique products and superior service on claims to become the largest Retail Health insurer in the country in 2018-19. Their USP’s include:
  • India’s First Stand-Alone Health Insurance Company
  • Pan India Presence With More Than 450+ Branch Offices
  • Cashless Hospitalization And Reimbursement Facility In Our Large Network Base With More Than 8800+ Hospitals Across India
  • Hassle-free and customer-friendly direct claim settlement without intervention of TPA
  • Wide Range Of Health Insurance Products From Individual Plans to Family Floater Schemes To Senior Citizen Health Coverage
  • Life Time Renewal of all policies
  • Over 5.4 lac claims settled in the financial year 2017-2018
  • 93% of cashless claims settled in less than 2 hours
They have also been the recipient of many awards in the Health Insurance domain including:
  • World Health Organisation (WHO) Award Of Excellence 2017
  • Best Health Insurance Provider of the year - Business Today, Money Today Financial Awards 2018-2019
  • ‘Claims Service Company Of The Year, 2014’, Beating 28 General Insurance Companies At The Indian Insurance Award
  • Rated Best Claim Settlement Insurer – Hindustan MaRs Survey

Critical factors of the Star Health insurance

  • Key features
  • Co - pay
  • Life long renewable
  • Pre - existing Diseases
  • Coverage
  • Claims
  • How to buy
  • Exclusions

Key features of Star Health Insurance

  • Room Rent : Up to Rs.5,000/- per day for a Private Single A/c Room
  • Co-pay : No co-pay if entry age < 60 yrs / 10% co-pay for ages > 60 years
  • Restoration : 100% of Base Sum Insured for unrelated illness/diseases

Co-pay

  • When you make a claim on your insurance coverage, Co-pay is the certain percentage of hospital bill that you pay from your pocket and the Insurer will pay the balance amount.

Life long renewable

  • You will be covered for your entire lifetime with lifelong renewal option.

Pre - existing Diseases

  • After a waiting period of 4 years any of your pre-existing condition will be covered.

Coverage

  • There are different types of insurance policies by Star Health and Allied insurance to cover you in the event of medical emergencies and safeguard financial position. The insured can avail cost efficient medical treatment with the products designed by the company with the analysis of the economic fallouts of rising medical costs.
  • Each insurance policy has unique coverage to serve the insured in meeting varied medical costs. Some of the greatest benefits of buying insurance from the company are quick, easy and direct settling of claims (i.e. no third party involvement), cashless facilities and free telephonic medical advice at any time.

Claims Settlement Process for Star Health Insurance

Cashless Claim Procedure during hospitalization
Cashless Claim: a six step process
  • Step 1 - Approach the insurance desk at a network hospital. Intimation can be given either through contacting us at 1800 425 2255 / 1800 102 4477 or e-mail us at support@starhealth.in
  • Step 2 - Show your Star Health ID card for identification purpose at the hospital reception.
  • Step 3 - Submit to the hospital Pre admission investigations and Doctor’s consultation papers.
  • Step 4 - Network hospitals will verify your identity and submit duly filled pre - authorization form with Star Health.
  • Step 5 - Our doctors verifies all the submitted documents before processing the claim as per terms and conditions. An assigned field doctor may visit the patient at the hospital if required.
  • Step 6 - After discharge, the hospital will send the claim documents to the company and the authorized amount will be settled directly to the hospital.
(Note: Non-Payable items would be at the insured's own cost)
a) In case of planned hospitalization:
  • Please contact the toll-free help line: 1800 425 2255 / 1800 102 4477
  • The hospital will send the duly filled pre-authorization from through hospital portal (or) at the below number (or) Email ID
    • Call : Toll-free FAX: 1800 425 5522 (or)
    • Call : Non Toll-free FAX: 044 -28302200
    • Email : cashless.network@starhealth.in
  • Please carry your ID card.
b) Procedures to be followed in case of emergency hospitalization: In case of Emergency like accident or sudden bout of illness may that requires immediate admission to the hospital
  • Upon receiving intimation from the insured/insured’s attender, they are contacted by the network hospital
  • Customer Care will verify the validity and coverage of the policy
  • A field visit doctor is deputed to visit the patient at the hospital if required.
  • Our medical team will process the cashless request for the insured person subject to policy terms and conditions.
c) Cashless claim authorization process
  • Upon receiving intimation from the insured/insured’s attender, they are contacted by the network hospital.
  • Customer Care will verify the validity and coverage of the policy
  • A field visit doctor is deputed to visit the patient at the hospital if required
  • Our medical team will process the cashless request for the insured person subject to policy terms and conditions.
d) Documents required for cashless claim submission by Hospital
  • Health card
  • Doctor's consultation papers
  • Discharge summary
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • KYC documents of the insured if claimed amount exceed Rs.1, 00,000/-
(Note: Documents other than the Health Card should be submitted in original)
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses within 15 days from the date of discharge.

Reimbursement Claims Procedure following hospitalization

Procedure for Reimbursement of Claim
  • All claims need to be intimated within 24 hours of hospitalization. Reimbursement facility is available at network hospitals as well as at non-network hospitals
  • Avail treatment, settle all bills and file a claim for reimbursement.
  • Submit the claim documents to the company within 15 days from the date of discharge.
  • To receive the claim form, cite your policy number and intimate Star Health about hospitalization.
Reimbursement Claim Procedure
  • Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred.
  • Claim form has to be filled in and along with, all the relevant original documents have to be submitted at the nearest Star Office
  • We settle the claim in subject to policy terms and conditions.
  • Non-Payable items would be at the insured's own cost.
Documents required for reimbursement claim submission
  • Copy of Health card
  • Duly filled claim form
  • Pre admission investigations and Doctor's consultation papers
  • Discharge summary from hospital in Original.
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • Case receipts from hospital, chemist
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • Copy of the KYC documents - NEFT details, Contact number and E-mail ID

How can one Buy a Star Health Insurance cover?

Today in the India market, it is not very difficult to purchase an appropriate Health insurance plan, on the contrary it is relatively simple if one follows the defined steps below:
  • Step 1- Visit a product comparison website like eindiainsuranceto review and compare policy benefits, coverage and premium details online
  • Step 2 - Seek information and clarity on the charges, inclusions, exclusions, other terms and conditions under the policy
  • Step 3 - Fill the online Star Health Insurance proposal form stating your personal details and health profile while ensuring the information given is complete and accurate
  • Step 4 – Star Health will then process the application forwarded to them. Based on the information provided, one may be required to undergo pre-policy medical examination at Star Health’s network diagnostic centers.
  • Step 5 - Depending on Star Health team’s evaluation, if the proposal is accepted, then they will issue the policy subject to receipt of annual single premium as published on the website and remitted online through the payment gateway
  • Step 6 - Please note that the proposer will have to pay the necessary amount for undergoing the specified medical examination and such tests shall be valid for a maximum period of 30days only…however, if the policy is issued we will refund you 100% of the cost of the pre-policy medical examination
  • Step 7 - The Policy Schedule, Policy Wordings, Cashless Cards and Health Guide will be sent to the insured’s mailing address mentioned on the proposal form

Exclusions under the Star Health Policy

Some of the major exclusions under the policy are listed below, kindly go through the entire list of exclusion in the policy kit which accompanies the insurance policy:
  • Congenital External Condition / Defects / Anomalies (except to the extent provided under Section specific to a New Born infant).
  • Intentional self injury.
  • Use of intoxicating substances, substance abuse, drugs / alcohol, smoking and tobacco chewing.
  • Venereal Disease and Sexually Transmitted Diseases,
  • Injury/disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not)
  • Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials
  • Expenses incurred on weight control services including surgical procedures such as Bariatric Surgery and /or medical treatment of obesity (except to the extent provided as per “Coverage” of the opted policy variant)
  • Expenses incurred on High Intensity Focused Ultra Sound, Uterine Fibroid Embolisation, Balloon Sinoplasty, Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Deep Brain Stimulation, Hyperbaric Oxygen Therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic therapy and such other therapies similar to those mentioned under this exclusion
  • Charges incurred on diagnostics that are not consistent with the treatment for which the insured is admitted in the hospital / nursing home. Admission primarily for diagnostic purpose with no positive existence of sickness / disease / ailment / injury and no further treatment is indicated
  • Unconventional, Untested, Unproven, Experimental therapies
  • Stem cell Therapy, Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy
  • All types of Cosmetic, Aesthetic treatment of any description, all treatment for Priapism and erectile dysfunctions, Change of Sex
  • Plastic surgery (other than as necessitated due to an accident or as a part of any illness)
  • Inoculation or Vaccination (except for post–bite treatment and for medical treatment for therapeutic reasons)
  • Dental treatment or surgery (in excess of what is specifically provided) unless necessitated due to accidental injuries and requiring hospitalization
  • Treatment arising from or traceable to pregnancy, childbirth, family planning, miscarriage, abortion and complications of any of these (other than ectopic pregnancy and to the extent covered under polic variant)
  • Medical and / or surgical treatment of Sleep apnea, treatment for genetic and endocrine disorders. Expenses incurred on Lasik Laser or other procedures Refractive Error Correction and its complications, all treatment for disorders of eye requiring intra-vitreal injections
  • Cochlear implants and procedure related hospitalization expenses
  • Cost of spectacles and contact lens (in excess of what is specifically provided), hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids.

Star Health Insurance Products

Key Features:
  • Maximum coverage: Rs. 5,00,000 to Rs. 25,00,000.
  • Eligibility: 3 months to 65 years are eligible to buy this policy.
  • Renewal: Offers life long renewal.
  • Room Rent: No Room Rent Capping for Private Single Standard A/c Room.
  • Co - pay: No co-pay if entry age < 60 yrs / 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: 100% of Base Sum Insured for unrelated illness/diseases.
Key Features:
  • Maximum coverage: Rs. 2,00,000 to Rs. 3,00,000.
  • Eligibility: Policy is available for age between 5 months and 62 years of age.
  • Renewal: Offers life long renewal.
  • Room Rent: Upto 1% of Sum Insured per day.
  • Co - pay: NIL Co pay applicable.
  • Restoration Benefit: NIL Restoration Benefit.
Key Features:
  • Maximum coverage : Rs. 1,00,000 to Rs. 25,00,000.
  • Eligibility: Policy is available for age between 60 years and 75 years of age
  • Renewal: Renewal beyond 75 years of age.
  • Room Rent: 1% of SI per day till SI of 5 lacs / Rest between₹6,000 and ₹10,000.
  • Co - pay: Between 30% and 50% for Non Pre Existing (PED) and PED claims.
  • Restoration Benefit: NIL Restoration Benefit.
Key Features:
  • Maximum coverage : Rs. 1,50,000 to Rs. 15,00,000.
  • Eligibility: Policy is available for age between 5 months and 60 years
  • Renewal: Policy can be renewed life long.
  • Room Rent: Rs.5,000/- per day or Private Single A/c Room depending on SI.
  • Co - pay: No co-pay if entry age < 60 yrs / 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: 200% of Base Sum Insured for unrelated illness/diseases.
Key Features:
  • Maximum coverage : Rs. 3,00,000 to Rs. 25,00,000.
  • Eligibility: Policy is available for age between 18 years and 65 years of age
  • Renewal: Policy can be renewed up to 65 years of age
  • Room Rent: Capped at ₹2,000 / ₹5,000 / Single Standard A/c based on Plan SI.
  • Co - pay: No co-pay if entry age < 60 yrs / 20% co-pay for ages > 60 yrs.
  • Restoration Benefit: Thrice upto 100% of Base SI for plans with SI > 3 lacs.
Key Features:
  • Maximum coverage : Rs. 3,00,000 to Rs. 10,00,000.
  • Eligibility: Policy is available for age between 18 years and 65 years of age
  • Renewal: Guaranteed Lifetime Renewals beyond 65 years are offered under this policy.
  • Room Rent: Eligible for Single A/c Standard Room .
  • Co - pay: NIL Co Pay.
  • Restoration Benefit: NIL Restoration Benefit.
Key Features:
  • Maximum coverage : Rs. 2,00,000 to Rs. 10,00,000.
  • Eligibility: Policy is available for age between 18 years and 65 years of age
  • Room Rent: 2% of Sum Insured subject to a maximum of ₹4,000 per day.
  • Co - pay: NIL for insureds < 60 yrs/ 30% co-pay for ages > 60 yrs.
  • Restoration Benefit: NIL Restoration Benefit.


Key Features:
  • Maximum coverage : Rs. 1,00,000 to Rs. 5,00,000.
  • Eligibility: Policy is available for age between 91 days to 65 years of age
  • Family Size for Floater option : Family means Self, Spouse, Dependent children up to 25 years of age
  • Room Rent: Upto 1% of Sum Insured per day.
  • Co - pay: No co-pay if entry age < 60 yrs / 20% co-pay for ages > 60 yrs.
  • Restoration Benefit: NIL restoration benefit.
Key Features:
  • Eligibility:Policy is available for age between 18 years to 65 years of age
  • Children can be covered from 91 days to 25 yrs. Children can be covered only along with parents.
  • Available in individual and family floater basis.
  • Room Rent: At ₹4,000 per day for Silver / Single A/c Standard Room for Gold.
  • Co - pay: NIL for Silver & Gold < 60 yrs/ 10% co-pay for ages >60 yrs in Gold plan.
  • Restoration Benefit: NIL Restoration Benefit.
Key Features:
  • Maximum coverage : Rs. 3,00,000 to Rs. 4,00,000.
  • Eligibility: Policy is available for age between 10 years to 65 years of age
  • Policy tenure :The policy will be issued for a 1 year
  • Covers regular medi-claim and also specific cover to cardiac related complications
  • Room Rent: Capped at ₹5,000 per day.
  • Co - pay: NIL for insureds < 60 yrs/ 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: NIL Restoration Benefit.

Key Features:
  • Maximum coverage : Rs. 3,00,000 and Rs. 5,00,000.
  • Eligibility: Policy is available 5 months to 65 years
  • Room Rent: Eligible for Single A/c Standard Room.
  • Co - pay: NIL for insureds < 60 yrs/ 10% co-pay for ages > 60 yrs.
  • Restoration Benefit: NIL Restoration Benefit.
Key Features:
  • A special policy from Star Health in India to cover HIV positive individuals.




Key Features:
  • Policy is accessible in Tier I and Tier II locations on an individual and floater basis.
  • Pre-hospitalization cover and post-hospitalization cover.
  • Hospital Cash benefits if treatment is taken at the hospital of the government.
  • Room Rent: Upto 0.75% of SI per day for Private Room /Shared Accommodation.
  • Co - pay: NIL Co Pay.
  • Restoration Benefit: NIL Restoration Benefit.
Key Features:
  • This policy was intended specifically to provide health insurance cover for kids diagnosed with autism disorder
  • Any child diagnosed with Autism Spectrum Disorder between 3 years and 25 years of age can be covered.
  • Room Rent: Capped at ₹5,000 per day.
  • Co - pay: 20% co-pay on all claims for all insureds.
  • Restoration Benefit: NIL Restoration Benefit.


Key Features:
  • Health insurance policy that provides lumpsum benefit for the period of hospitalization.
  • Eligibility: Age at entry 18 years and 65 years
  • Room Rent: NIL Cap, per day limit of Hospital Cash as per plan opted.
  • Co - pay: NIL Copay.
  • Restoration Benefit: NIL Restoration Benefit.
Key Features:
  • Hospitalisation cover for rural population.
  • Eligibility: Age at entry 18 years and 65 years
  • Room Rent: 1% of Sum Insured per day.
  • Co - pay: NIL for insureds < 60 yrs/ 20% co-pay for ages > 60 yrs.
  • Restoration Benefit: NIL Restoration Benefit.

Star health insurance FAQ's

Star Health mediclaim insurance in India has amongst the largest network of 9900+ hospitals across India and this number has been growing steadily over past few years. Hence it is important while seeking treatment following a sickness or an accident to ideally get admitted to a network hospital. One can get the hospital closest to them by going through the Star network hospital list

Yes, Star Health mediclaim insurance offers Cashless treatment for inpatient hospitalization of the insured. The important criteria to avail of the cashless facility is to seek admission into one of Star’s network hospitals across the country. Subject to the claim being admissible under the policy, Star will offer cashless settlement upto the policy limits of the insured’s policy.

Under their most comprehensive health insurance plan, the sum insured options range from ₹1 lacs to ₹100 lacs (1 cr).

Star health insurance will protect you and your family against any financial risks arising due to a medical emergency. Buying a proper health plan in India would help you in saving your hard earned savings and other assets.

Star Health Insurance would be sending you a renewal notice informing you of the expiry of your health policy via courier. However the Company is under no obligation to send renewal notice and its absence thereof shall not tantamount to deficiency in services. Hence Customer has the prime responsibility to renew his policy on time. You may reach the customer support team at EIndia.

This is one single health insurance policy that takes care of the hospitalization expenses of your entire family. India’s best Family Floater Health Plan from Star health takes care of all the medical expenses during sudden illness, surgeries and accidents. It is recommended to have a family floater for the younger family members, while insuring the senior family members under individual plans.

Star Health Insurance covers all diagnostic test like X- ray, MRI, blood tests etc as long they are associated with the patients stay in the hospital for at least 24 hours. Any diagnostic tests which does not lead to treatment or which have been prescribed as Outpatient are generally not covered.

Star Criticare Plus Insurance provides for both hospitalization benefits under section 1 and lump sum compensation in case of diagnosis of any major critical illness as specified in the policy under section 2. In case of diagnosis of any one of the major illness as specified in the policy, the lump sum compensation is 100% of the sum insured. Acceptance of the policy is subject to pre medical screening and all other terms and conditions apply.

The Network Hospital can intimate Star Health at 1800 425 2255 / 1800 102 4477 /044-28302200 and fax the Pre authorization form to Star Health at 1800 425 5522/044-28260056. The form is already available with the Hospital or they can download it from the website www.starhealth.in. Star Health doctors will scrutinize the request and send an authorization letter or regret letter.

Some of the key reasons for investing in a Star Health insurance policy are:

  • Health insurance coverage is more than just hospitalization - Many Indian health insurance plans nowadays give coverage for day care procedures and OPD, cover for pre and post-hospitalisation, as well as doctor consultations, tests and medicines which are incurred during this period. There are also health plans that cover vector-borne diseases like dengue. Domiciliary treatments, Ayurveda, Unani, Siddha and Homeopathy (AYUSH) are also covered by the best health insurance plans in India.
  • Increase in Treatment Costs - With the healthcare industry in India witnessing double-digit inflation, it is getting extremely expensive to treat ailments in India both for regular medical as well as specialised medical conditions.
  • Financial Support - Not everyone retains a high bank balance or cash at home for facing unforeseen medical emergencies. Hence having best Star Health insurance helps one protect themselves from having to pay for treatment arising out of a sickness/accident and allows the health insurance policy to take over especially since the Star plans also offer Cashless facilities.
  • Increase in the incidence of lifestyle-related illnesses - Sedentary lifestyle, unhealthy eating habits, increasing pollution and high stress levels are the growing norm day by day giving rise to chronic diseases like cancer, lung conditions and stroke, claiming younger lives.
  • Group health cover may not be sufficient - Group employer plans, rarely have sufficient coverage to meet medical expenses incurred in many cases. In the event of switching jobs or remain unemployed, an individual an remain exposed to financial risks from medical exigencies.

There is no upper limit on the number of claims during the Star health insurance policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.

In the case of reimbursement claims, Star Health Insurance takes 15 days after receiving the required documents from the insured to process a health insurance claim. For Cashless claims, 90% of their authorizations happen in less than 2 hours.

In a cashless claim/hospitalisation, the insured/hospital intimates us regarding the hospitalization and submits a pre-authorization request. On authorization, the claim is directly settled with the network hospital and the insured is not required to pay any charges except for expenses not covered under the policy. Cashless facility can only be availed at a Star Health Insurance network hospital.

Yes, a request for authorization for cash less access may be rejected by Star Doctors based on various reasons like:

  • The ailment/ disease for which hospitalization is required is not covered at all by insurance policy.
  • The person does not have insured amount left to cover the hospitalization costs. This means that cashless claim access is rejected, AND policy holder cannot come for reimbursement as well.

A health card is a card that comes along with the Health Policy. It is similar to an Identity card. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals. A health card mentions the contact details and the contact numbers of the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.

At the time of issuance of medical policy, Star Health Insurance would conduct pre medical tests

  • for individuals above age of 50 years, when customer prefers Medi classic individual, Family Health Optima for Sum Insurance 3 Lakhs, and Diabetic safe plan A.
  • when customer prefers Family health optima above 4 Lakh SI, Comprehensive Health Insurance, Senior Citizens Red Carpet Health Insurance, Cardiac Care and Diabetic safe plan B.

Please see the table below for more information:
Sl No. Product AGE SI/Plan
1 Medi-classic-Individual Above 50 Years All SI
2 Family Health Optima Above 50 Years 3 L
3 Star Comprehensive Insurance Policy NO MEDICAL TEST
4 Senior Citizens Red Carpet Health Insurance NO MEDICAL TEST
5 Star Cardiac Care NO MEDICAL TEST
6 Diabetes Safe Insurance Policy Plan A ALL AGE PLAN A
7 Diabetes Safe Insurance Policy Plan B NO MEDICAL TEST

Yes. The scope of Star health insurance coverage shall be restricted to treatment taken in hospitals in India during the policy period.

Yes. You can take any individual policy with us in which the existing condition of diabetes would be excluded. At the same time, you can cover yourself with a Diabetes Safe India health insurance policy which covers the complications arising due to Diabetic Retinopathy, Diabetic Nephropathy and Diabetic Foot Ulcer. However this policy requires a pre medical screening even if the proposer is less than 50 yrs. of age.

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  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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