Star Health
Health Premier
The Star Health Premier plan is a health insurance policy specifically designed for individuals aged 50 years and above, with coverage of up to ₹1 crore. It provides extensive benefits, including inpatient hospitalization, pre- and post-hospitalization expenses for 60 & 90 days respectively, AYUSH treatments up to the cover amount, home care treatment (10% of the base cover amount up to ₹5 lakhs), and coverage for modern procedures like robotic surgeries and oral chemotherapy (up to 50% of the sum insured). The plan also includes outpatient medical expenses (payable from day 1 up to ₹10K, depending on Base SI)and hospice care (up to 10% of the sum insured, subject to a maximum of Rs. 5 lakhs payable once in the lifetime for each Insured person), making it one of the few options catering to senior citizens with OPD benefits. In case you’re interested, here’s a complete list of the modern treatments that are covered under this policy: Uterine artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy - Monoclonal Antibody to be given as injection, Intra Vitreal injections, Robotic surgeries, Stereotactic radio surgeries, Bronchial Thermoplasty, Vaporisation of the prostate (Green laser treatment or holmium laser treatment), IONM (Intra Operative Neuro Monitoring), Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions.
What's good here?
You most likely don't have to split the bill
If you bought this policy after you turned 66, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
If you bought this policy after you turned 66, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Pre & Post hospitalization
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's bad here?
Restrictions on the rooms you can pick and much more
Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured maximum up to ₹20,000 per day. But in the event, you breach this limit, get ready to pay a lot more.
Maternity benefits not offered
TODO
What's okay here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cataracts, Modern Treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Your insurance cover won’t be fully available in case you are treated for Cataracts, Modern Treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 20% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs, up to a certain limit.
Frequently Asked Questions
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