Health Insurance for Individual
Individual health insurance serves as a solution that provides coverage based on an individual sum insured basis. In the domain of vast healthcare exigencies in India, it is essential to keep yourself financially equipped to handle emergencies. Health insurance for individuals acts as a protection against unprecedented medical expenditures.
Our Individual Health Plans
Our Individual Health Insurance Plans to secure yourself
Star Health Assure Insurance Policy
Family Size: Covers 6 Adults and 3 Children including, self, spouse, parents and parents-in-law
Automatic Restoration: Sum Insured will be restored unlimited number of times and maximum up to 100% each time
Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available
Star Comprehensive Insurance Policy
Automatic Restoration: Get 100% of the basic Sum Insured restored once in a policy year
Buy-back PED: Optional cover to reduce the waiting period in respect of Pre-Existing Diseases
Mid-term Inclusion: Newly married/wedded spouse and new born baby are covered on payment of additional premium
Young Star Insurance Policy
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period
Mid-term Inclusion: Entitles you to add newly married or wedded spouse, legally adopted child and new born baby in the middle of the policy year
Loyalty Discount: 10% discount for opting the policy before 36 years and continuously renewing it beyond 40 years of age
Smart Health Pro
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period
AYUSH Treatment: Hospitalisation expenses towards AYUSH treatments are covered
Super Surplus Insurance Policy
Top-up Plan: Get enhanced health coverage at an affordable premium
Recharge Benefit: Get additional indemnity on exhaustion of the Sum Insured at no additional cost
Long-Term Discount: If the policy is opted for a term of 2 years, then 5% premium discount is available
Senior Citizens Red Carpet Health Insurance Policy
Elderly Cover: Designed for the age group of 60 – 75 years with lifelong renewals
Outpatient Cover: Get cover for medical consultations as an outpatient at Network Hospitals
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.
Rural Discount: 20% discount on premium for the rural population
Modern Treatments: Get cover for Modern treatments up to 50% of the Sum Insured
AYUSH Cover: Covers hospitalisation expenses towards AYUSH treatments
Diabetes Safe Insurance Policy
Diabetic Cover: Designed to cover people diagnosed with both type-1 and type-2 diabetes
Family Cover: Can also avail this policy on a floater basis(self & spouse) if either of them is diabetic
Automatic Restoration: Get 100% of the Sum Insured restored once in a policy year for Individual plan
Star Cancer Care Platinum Insurance Policy
Exclusive Cover: Specially designed policy for people diagnosed with Cancer
Wide Cover: In addition to Cancer, it also covers regular hospitalisation expenses unrelated to Cancer
Lump Sum Cover: As an optional cover, a lump sum is provided for recurrence of Cancer, metastasis and/or second malignancy unrelated to first Cancer
Star Cardiac Care Insurance Policy-Platinum
Exclusive Cover: Specially designed policy for people diagnosed with Cardiac ailment or disorder
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Cardiac Devices: Get up to 50% of the Sum Insured for Cardiac devices
Star Micro Rural and Farmers Care
Rural Cover: Exclusively designed for rural population
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Less Waiting Period: PED & Specific Diseases are covered just after 6 months
Star Out Patient Care Insurance Policy
Outpatient Cover: Outpatient consultation expenses are covered at Network Hospitals
Diagnostic & Pharmacy: Expenses are covered at Network Hospitals
Dental & Ophthalmic: Expenses are covered at Network Hospitals
Medi Classic Insurance Policy (Individual)
Restoration Benefit: 200% of the basic Sum Insured is restored once in a policy period
Road Traffic Accident: The Sum Insured is increased for Road Traffic Accident on its exhaustion
Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available
Star Health Gain Insurance Policy
Wide Cover: Provides broad cover for both in-patient hospitalisation and outpatient expenses
Modern Treatment: Expenses are covered either as in-patient hospitalisation or day care procedures
Outpatient benefit: Outpatient expenses incurred at any Networked Facility are covered
Star Cardiac Care Insurance Policy
Cardiac Cover: Covers person diagnosed with Cardiac ailments aged between 10 and 65 years
Non-Cardiac Cover: Also covers Non-Cardiac ailments and accidents
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Star Women Care Insurance Policy
Unique Cover: A specially designed policy that provides multi-fold benefits for women
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period
Delivery Expenses: Normal & C-section delivery expenses are covered (including pre and post-natal)
Star Health Premier Insurance Policy
Special Policy: Designed for people aged 50 years and above without any maximum age limit
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Health Check-Up Discount: 10% premium discount is available if listed health check-up reports are submitted at the inception of the policy and subject to the findings in the submitted report
Star Hospital Cash Insurance Policy
Lump-Sum Benefit for Hospitalisation: Designed to provide daily cash benefit for incidental expenses on hospitalisation
ICU Hospital Cash: Get up to 200% of the hospital cash amount (per day) in case of ICU hospitalisation
Accident Hospital Cash: Get up to 150% of the hospital cash amount every 24 hours of hospitalisation in case of accidents
Special Care Gold, Star Health And Allied Insurance Company Limited
Unique Policy: Designed to provide cover for Persons with Disability or/and Individuals with HIV/AIDS
AYUSH Cover: Hospitalisation expenses towards AYUSH treatment are covered up to 50% of the Sum Insured
Pre-insurance Screening: Pre-Policy Medical check-up is not required to avail this policy
Young Star Extra Protect–Add on Cover
Enhanced Cover: Get enhanced coverage limits of your base policy at an affordable premium
Non-medical Items Cover: Get coverage for non-medical items if there is an admissible claim under your policy
Ayush Treatment: Get cover for AYUSH treatments up to the Sum Insured of the base policy
The Essential Guide to Individual Health Insurance: Features and Benefits
Unlike family or group health insurance policies, individual health insurance will require separate purchases for each family member.
Here are some of the features of health insurance for individuals:
- Co-payment - The insured must pay a certain amount as fees to the policyholder for taking specific healthcare services. This is known as co-payment.
- Additional Coverage - With an individual health insurance plan, you can get coverage that is 4 times the base coverage amount and have options to buy add-on covers like outpatient treatment benefits, maternity cover, critical illness cover, and more.
- Inclusions - The individual health insurance policy covers in-patient hospitalisation expenses, operation costs, ambulance charges, daycare procedures, etc.
- Renewability - Individual health plans come with lifetime renewability and provide a premium discount if more than two family members are covered individually.
An individual health policy offers comprehensive benefits such as: - Flexibility - Health insurance for individuals helps you choose a policy that aligns with the specific healthcare requirements, i.e., you can customise the deductibles, coverage, and other details based on your needs.
- Tax Benefits - The yearly tax benefits of individual health insurance help you to deduct the premiums based on Section 80D of the Income Tax Act.
- Multiple Claims - You can make numerous yearly claims if the sum insured is not exhausted.
Buy Star Health Individual Health Insurance Online: A Step-by-Step Guide
Health Insurance for Individuals at Star Health offers medical coverage benefits to a person on an individual sum-insured basis. It allows you to customise the plan per the individual’s health needs (for yourself, your children, your spouse, or even your ageing parents) but cannot be combined for the entire family.
Here are 5 simple steps for buying Star Health Individual Health Insurance online:
Step 1: Visit the official website of Star Health Insurance.
Step 2: Navigate to the top right corner of the page and click on the ‘Buy Now’ button.
Step 3: Fill in the required details such as name, email ID, PIN code, and mobile number.
Step 4: Select the insurance plan that meets your needs and pay the premium.
Step 5: We will send the policy documents to your registered email address.
Key Considerations for Individual Health Insurance Buyers
Buying an individual health insurance policy should not be spontaneous or random. You must first understand your requirements and the fundamentals of individual health insurance to make well-informed decisions and benefit as much as you wish. Here is a list of key considerations to think of while purchasing individual health insurance:
- Network Hospitals - Cashless and reimbursement are the two options for claim payout in an individual health insurance plan. It is essential to check out the insurer's network hospitals to understand if there are any near your home and office. Also, you need to seek treatment exclusively at a network hospital for a cashless claim.
- Sub-limits - Most individual health plans have a sub-limit for specific covers. Go through the policy and check for applicable sub-limits to get sufficient coverage.
- Coverage & Affordability - The essential factor to consider while purchasing an individual health insurance policy is the amount of sum insured. Also, avoid selecting a policy that can cause a financial burden in the future.
- Claim process and settlement ratio - Checking the claim process is necessary to know the waiting period of the claim settlement. Also, the insurance provider's high claim settlement ratio indicates that you can get your claims approved quickly.
- Exclusions - Reviewing the list of exclusions is critical while choosing an individual health insurance. Every insurance provider imposes a series of limitations, and you must know the exclusions that apply to your health insurance policy. By reviewing the exclusions, you can effectively prevent any potential claim rejections.
Individual Health Insurance Coverage Explained
Individual health insurance plans in India cover various healthcare services and medical expenses. It usually varies from insurer to insurer. Here are some common points that are typically covered under health insurance for individual plans in India:
- Pre and Post-Hospitalisation Expenses - Covers the medical expenses before getting admitted and after getting discharged.
- Day Care Procedures - It is generally the costs incurred during medical treatments that do not require an overnight hospital stay.
- In-Hospitalisation Expenses - Includes room rent, ICU charges, medicine costs, etc.
- Emergency Care - Covers the charge for accident cases and severe illnesses.
- Domiciliary Treatments - Covers the medical treatment costs taken at home.
- Organ Donor Expenses - Covers the organ transplantation surgery costs, such as the cost of the organ and post-operative care.
- Preventive Health Check-up - It is used for preventive health check-up coverage.
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