Star Health Insurance Review

Star Health is a joint venture between Oman Insurance Company, ETA ASCON group, and number of insurers in India. It has more than 140 branches in India.

It is a stand alone Health insurance company in India along with Apollo Munich and Max Bupa. Star Health offers a wide range of health insurance plans:

• True Value- With very economical premiums, this policy is for the masses. There is a wide range of sum assured options ranging from 30,000 to 80,000. The policy covers hospitalization, nursing expenses as well as surgeon’s fees, anesthetist fee and cost of blood, oxygen, medicines etc.

• Medi Classic- This policy covers hospitalization, pre and post hospitalization expenses, nursing expenses, ambulance charges, and cost of medicines, drugs, surgeon’s fee, anesthetist fee and specialist’s fees.

• Medi Premier- This plan has two sections; section 1 offers cover for unexpected illnesses and section 2 provides 50 % lump sum of the sum assured in case of diagnosis of certain health conditions like Cancer, stroke or renal failure.

• Family Health Optima- It is a super saver policy which covers the entire family under a single sum insured. Individuals aged between 5 months and 60 years are eligible for this policy.

• Senior Citizen Red Carpet- This policy is designed for senior citizens and covers anyone above 60 years. All pre- existing diseases are covered from the first year. Inpatient hospitalization, nursing expenses, surgeon’s fees, specialists fee, cost of medicines, blood, drugs etc are all covered in the policy.

• Super Surplus- The policy is available on individual basis as well as a family floater plan. It offers wider protection at lesser price. Maximum sum assured limit is Rs. 10, 00,000.

• Star Netplus- This policy is meant only for people who are diagnosed as HIV positive, making it first of its kind in India. There is no age limit for applicants.

• Star Gain Insurance- At very low premium this policy offers in patient and outpatient hospitalization expenses. Premium paid for this policy is eligible for tax exemption under section 80D of IT act.

• Star Criticare Plus- this policy has tow sections. Section 1 provides in patient hospitalization and section 2 provides lump sum amount equal to the sum assured in case the person is diagnosed with any major diseases for the first time. Diseases included are cancer, brain tumor, kidney diseases, coma, paraplegia, quadriplegia, organ transplant.

• Diabetes- policy for those people who have Diabetes Mellitus Type II. it offers coverage for treating commonly occurring conditions because of diabetes like diabetic retinopathy, diabetic nephropathy, diabetic foot ulcer.  This policy is called as Diabetes Safe Insurance Policy.

Start Health Insurance is also the insurance provider for the Tamil Nadu employees’ new health insurance.  As well as they are the provider for Aarogyasri – community health insurance for the people of Andhra Pradesh.

Benefits-

Since it is a stand alone health insurance company, it specializes in health insurance.  It offers round- the- clock general physician service. They have a network of more than 4500 hospitals.  They also have this unique feature of availing cashless service even without needing the intervention of the TPA.

Third Party Administrator (TPA) services-

It provides cashless service without any third party involvement. It has a direct tie- up with hospitals on all India basis.