8 min read
Updated on Oct 21, 2023
Getting diagnosed with any unforeseen critical disease can give you enough mental stress. Further, it also becomes an expensive affair to get rid of such disease without investing your almost the entire savings on it. This is because you need to go through rigorous treatment to get rid of the illness, which can be really expensive. Thus, having a Star Health Insurance plan can aid in giving you the required financial support to get well without making your pocket empty.
Let’s discuss the list of diseases covered under star health insurance in this blog.
Star Health & Allied Insurance is one of the most prominent health insurance providers. The company has been operating in the insurance sector since 2006 and is known as one of the foremost standalone insurers in India. Star Health is known for its wide-ranging methodically designed health insurance policies. Star health plans are crafted to meet customer needs. The insurer modifies and adapts policies as per requirement.
Star Health Insurance company has a network of 14,000+ cashless hospitals across the country. With a claim settlement ratio (CSR) of 99.06% (2021-22), Star Health Insurance plans support policyholders throughout their process of getting cured of ailments with financial protection.
Star Health insurance company offers several plans for customers to choose from as mentioned below:
|Star Comprehensive Insurance||Star Health Family Optima Insurance|
|Star Senior Citizens Red Carpet||Star Cancer Care Gold|
|Star Cardiac Care Insurance||Star Criticare Plus Insurance|
|Star Novel Coronavirus Insurance||Star Super Surplus Insurance|
|Star Diabetes Safe Insurance||Star Outpatient Care Insurance|
|Star Hospital Cash Insurance||Star Family Delite Insurance|
|Star Special Care||Star Young Star Insurance|
|Star Health Gain Insurance||Star Medi Classic Insurance|
|Star Care Micro Insurance||Arogya Sanjeevani Policy, etc.|
Star health insurance plans offer coverage against a range of diseases to the policyholder by incurring the expenses that arise out of any unforeseen medical condition of the policyholder as well as others covered under the policy.
Star Health and Allied Insurance Company Ltd. offers a range of different plans and policies for insurance seekers across the country. With as many as 11000 network hospitals spread across India, the insurer provides facility of cashless hospitalization to its customers across the country. Further, the insurer has a claim settlement ratio of 90% and is known to settle claims in just 2 hours.
To protect their policyholders financially against a range of illnesses, the insurer presents a wide network of health plans in the country for different diseases including several critical illnesses.
Also Read: Star Health Insurance Claim Settlement Ratio
Have a look at the Star Health Insurance Companies’ best health plans ideal for Family, Individual and Critical Diseases:
The Insurer offers the above and many other insurance policies under the Star Health Insurance Group. Policy seekers can choose a plan as per their requirement of coverage and other benefits available under such plans.
Also Read: Star Health Insurance Premium Calculator
So, Below is the list of diseases covered under Star health insurance company:
These and many other such diseases are covered under the Star Health Insurance policies. However, there is a Star health insurance not covered diseases list also that you need to consider while purchasing the insurance from Star health company.
Many people generally ask – Is piles covered under Star health insurance? People have this notion that Piles is covered by the insurer. But the fact is, piles and hernia are not covered under Star health plans.
Also Read: Best health insurance company in India
PEDs or pre-existing diseases are ailments that policyholders are already suffering from at the time of buying a health insurance plan. All health insurance policies allow coverage against pre-existing diseases after a certain period of waiting time, which differs from policy to policy. The waiting period for PEDs under Star Health Insurance plans ranges between 12 to 48 months as per the plan type. Below are some policies of Star Health with waiting period:
|Young Star Insurance Policy||This Star Health plan covers pre-existing diseases after 12 months of being insured under the policy|
|Star Comprehensive Insurance Policy||Under this plan, the insured has to go through a 36-month waiting period from the policy buying date to get coverage against pre-existing diseases.
However, the insured can avail of the ‘Buyback PED’ optional add-on to lower the waiting period to 12 months
|Senior Citizens Red Carpet Health Insurance Policy||This senior citizen policy offers coverage against pre-existing diseases for the elderly after a waiting period of 12 months|
|Star’s Diabetes Safe Insurance Policy||This is a plan that offers protection against type I and type II diabetes for OPD and hospitalization expenses. The plan comes with two variants:
Plan A (no waiting period)
Plan B (12 months waiting period)
There are several benefits of opting for a star health insurance policy. They cover the insured against a large number of illnesses by covering the expenses of the treatment. Mentioned below are some of the advantages of buying Star Health Insurance plans:
Star Health insurance policy can be bought online from the official website of Paybima without any hassle by following the steps given below:
Being a popular health insurance provider in the country, the Star health insurance company offers a wide range of health plans to cover a large number of illnesses. However, you must compare the various policies offered by Star health insurance company and buy the best one that suits your requirement. Also, consider the star health insurance for pre-existing diseases and the waiting period associated with it before making your decision.
You deserve the best of health insurance!
Answer a few simple questions to determine the ideal plan that suits you best at PayBima Health Advisory.
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Below is the list of diseases not covered by Star Health Insurance plans:
# Chronic Nephritis
# Hernia etc.
Below is the list of diseases covered by Star Health Insurance plans:
# Cardiovascular Diseases
# Kidney Chronic Diseases
# Cerebrovascular Stroke
# Brain Tumor
# Autism Spectrum Disorder
# Psychiatric Disorders etc.
No, the hernia is not covered under Star health plans.
No, Piles is not covered under star health insurance plans.
To download the PDF of the list of diseases covered by Star Health Insurance, you must visit the official portal of the insurer.
Star Health Insurance covers pre-existing diseases and the list can be checked in the official portal of the insurer. However, there is a particular waiting period under each plan that the insured has to go through before getting coverage for the PED.
To buy a policy of Star Health Insurance online from the insurer’s website, there are some simple steps to follow:
- Go to the official website of Star Health insurance
- On the home page, fill in some required details like name, pin code, and mobile number and click on ‘Get a Quote’
- The page that opens requires some other details like email ID, DOB, and policy term
- You can see a list of plans to choose from
- Make the payment online
- You will receive a copy of the policy document at your registered email ID
To opt for the best health insurance plan, you must select a policy with the right coverage and the right type of plan (family floater/individual plan). Also, you need to choose the sum insured correctly and look for plans with lifetime renewability.
Don’t buy from an insurer with a low claim settlement ratio or CSR, rather go for the one with high CSR. You must also consider the cashless hospitals in the network of the insurer.
Go for plans with a minimum waiting period for PEDs or pre-existing diseases.
Compare multiple policies before picking the best one to suit your needs.
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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