star health insurance plans

1. Family Health Optima Insurance Plan

• Type: Family floater covering newborns (from 16 days)

• Sum Insured: ₹3 L to ₹25 L

• Notable Benefits:

  • Hospitalization, AYUSH, day care procedures

  • Organ donor expenses, road ambulance

  • Automatic restoration, recharge benefits, road traffic accident top-up

2. Senior Citizen Red Carpet Plan

• For ages: 60+ (no pre-policy medical checkup required)

• Sum Insured: ₹1 L to ₹25 L

• Features: Guaranteed lifetime renewal, health check-up cover, ICU, road ambulance

3. Arogya Sanjeevani Policy

• Affordable, entry-level policy

• Entry Age: 91 days – 65 years

• Sum Insured: ₹50 k – ₹10 L

• Includes: AYUSH, daycare, cataract, ambulance, 50% no-claim bonus

4. Young Star Policy

• For: Individuals/families up to 40 years

• Sum Insured: ₹3 L – ₹1 Cr

• Perks: No room rent capping, no pre-checkups, wellness program, loyalty discount

5. Star Health Assure Policy

• Family Size: Covers up to 6 adults and 3 children

• Key Features: Auto restoration (100%), long-term discount, wellness incentives, COVID/pandemic coverage

• Premium Example (25-year-old, ₹25 L SI): ~₹14,400/year

6. Super Star Plan

• Highlights: Unlimited sum insured, restoration, and renewal bonus, “age freeze” benefit to keep premiums young

7. Top-up / Super Surplus Plans

• For topping up your base cover

• Includes recharge benefits, affordable premiums

8. Critical Illness / Disease-Specific Plans

• Lump sum payout on diagnosis of illnesses like cancer, stroke, etc.

• Example: Cancer Care Platinum, Cardiac Care, Special Care Gold (for disabilities/HIV, no pre-med checkup)

9. OPD and Hospital Cash Plans

• OPD Cover: Diagnostic, pharmacy, dental/eye (accidental), AYUSH (₹25k–₹1 L)

• Hospital Cash: Daily cash allowance (₹1k–₹5k/day) for hospitalization

10. Personal Accident, Maternity, Travel Insurance

• Cover accidental injuries, maternity expenses (including newborn), and travel-related risks