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Health Insurance Solutions
Health insurance provides people with the much needed financial backup at times of medical emergencies. Health risks and uncertainties are part of life. One cannot plan and get sick, but one can certainly be prepared for the financial constraints by buying health insurance
Why Health Insurance is so important?
Changing lifestyle
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Change in our lifestyle has made us more prone to a wide range of health disorders. Commuting, hectic work schedules, wrong eating habits, quality of food, and rising levels of pollution have increased the risk of developing health problems.
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Rising medical costs
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The medical costs have dramatically risen lately. So, in case of a medical emergency, consumers end up spending their savings, which takes a toll on their future plans.
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Peace of mind
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While no amount of money can replace the value of a person, having health insurance assures you of protection against the uncertainties that come with life.
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Income tax benefit
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Payments made towards health insurance premiums are also eligible for tax deductions under section 80D of the Indian Income Tax Act. Individuals up to 60 years of age can claim a deduction of up to Rs. 25,000 for the health insurance premium paid for themselves, or for their spouse or children. One can also claim another Rs. 50,000 as deduction if you buy health insurance for your parents aged 60 years and above.
There is no right age to buy health insurance. Earlier the better…
Our Health Insurance Partners
Star Comprehensive Health Insurance Policy
Star comprehensive health insurance policy provides the necessary financial assistance that a person requires at the medical emergency. The policy comes with zero sub-limits or capping and can cover all the family members under a single sum insured. Lifelong renewals are also provided under this plan.
Available on both individual and family floater coverage basis, the Star Comprehensive medical scheme pays for maternity (normal and caesarean delivery), bariatric surgery, and quite a few daycare procedures.
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Eligibility Criteria
The entire family can be insured under this comprehensive health plan between the age group of 3 months and 65 years. Also, dependent children who are 3 months to 25 years old can get medical cover along with their insured parents.
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Features & Benefits of Star Comprehensive Health Insurance Policy
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Higher Sum Insured Amount- Rs 5 Lakh to Rs 1 Crore
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Instalment Premium Payment Facility: Premium can be paid in EMIs i.e. monthly, quarterly, half-yearly. It can also be paid in a lump sum for the entire policy term
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Cashless Hospitalization- Reduces out of pocket expenses by providing cashless treatment in 9900 network-hospitals
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No Exit Age- There is no limit on the exit age
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Pre-existing Diseases- Pre-existing illnesses can also be claimed once the given waiting period is over
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Co-Payment- Co-payment is not required up to 60 years of age and 10% is applicable after 61 years of age
Star Family Health Optima Insurance Plan
Family Health Optima plan by Star Health is a classic Family Health Insurance plan, which is perfectly designed to cover all the members of the family (proposer, spouse, dependent children from 16 days to 25 years) under a single policy.
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Apart from being an affordable plan, it shells out a wide range of coverage options against multiple diseases and comes out with useful additional benefits. The policy also allows its customers to maintain personal health records in an electronic format.
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What Are The Key Benefits Of The Star Family Health Optima Plan?
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Family Health Optima Insurance Plan is a one-stop for all your health insurance needs. Read along to know several benefits that this plan offers to its policyholders:
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In-Patient Coverage
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Pre and Post Hospitalization Expenses
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Automatic Restoration of Sum Insured
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Domiciliary hospitalization
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Organ Donor Expenses
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Cost of Health Checkup
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New Born Baby cover
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Emergency Domestic Medical Evacuation
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Compassionate Travel
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Repatriation of Mortal Remains
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Treatment in Preferred Network Hospital
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Shared Accommodation
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Second Medical Opinion
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Bonus
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Tax Benefits
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Top-up & Super Top-up of Star Health Insurance
Top-up health insurance works as a supplement to your primary health cover. It adds extra coverage to your existing health insurance policy. So if the sum insured amount of your health insurance policy is not enough to meet today’s medical costs, it is good to buy a top-up plan and increase coverage. A top-up policy works on the principle of the deductible. A deductible is an amount that the insured is required to pay from their own pocket before the policy benefits can kick in. Deductibles are generally kept equal to existing health insurance.
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As compared to standard health insurance policy, a top-up policy is available at lower premium. It offers coverage on an individual basis as well as floater basis. Star Health offers a top-up plan named Super Surplus, which comes in two variants, Silver and Gold with varied benefits.
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Star Health Super Surplus
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Star Health Super Surplus is a top-up health insurance policy that offers much larger coverage than the standard health insurance plans. The policy can be purchased by individuals aged between 18 years and 65 years of age. When purchased on a floater basis, the policy can cover self, spouse, dependent children as well. The policy offers a higher sum insured at an affordable premium and hence is a preferred choice for many.
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Key Benefits of Star Health Super Surplus
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The Star Health Super Surplus brings a lot of benefits for the policyholders. The policy is available in two plans: Silver Plan and Gold Plan. Sum insured options for the Silver plan is Rs. 7 Lakh and Rs. 10 Lakh with a deductible limit of Rs. 3 Lakh. In addition, the sum insured options for the Gold plan starts from Rs. 5 Lakh, up to Rs. 25 Lakh with a defined limit of Rs. 3 Lakh, Rs. 5 Lakh and Rs. 10 Lakh. This policy covers:
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Organ donor expenses
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Daycare treatments
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Ambulance charges
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In-patient hospitalisation expenses
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Pre-hospitalisation and post-hospitalisation expenses
Star Red Carpet Senior Citizen Health Plan
Star Red Carpet senior citizen health plan is perfectly designed for elderly people above the age of 60 years. There is no need for any pre-medical screening before buying this health insurance policy, which proves to be a boon for senior citizens. Check out what this policy has to offer to people between the age group of 60 and 75 years.
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Features of Star Red Carpet Senior Citizen Health Plan
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Individual/Family Floater Cover
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Wide Range of Sum Insured Options
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Cashless hospitalization
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Pre-Existing Diseases -Covered after a waiting period of 12 months
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Pre- policy Medical Screening
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ICICI Lombard
Complete Health Insurance policy
ICICI Lombard Complete Health Insurance policy secures your finances against sudden medical expenses. It is a comprehensive policy for you and your family, designed to cater to most of your common healthcare needs. It comes with an option to include your family under one policy called the family floater option. You can choose coverage for your family health insurance as per your medical needs such as maternity cover, OPD cover, critical illness cover, donor expenses cover, etc. Some of its noteworthy features include no limit on hospital room rent, no co-pay, no pre-medical check-up up to 45 years of age and 2 complimentary health check-up coupons every year for a family floater health insurance policy. As a result, it is one of the preferred health insurance policies in India.
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COVID-19 hospitalisation is covered
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No co-payment required
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Pre-existing diseases are covered
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You can avail unlimited reset benefit
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No capping on room rent
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ICICI Lombard
Health Booster Policy
Health Booster is a super top-up health insurance, which covers your bill when your basic insurance plan falls short.
Think of a scenario where a person is hospitalised, and the bill is 15 lakhs. His health insurance limit is only 10 lakhs. So, what happens then? He would have to pay the difference of 5 lakhs out of pocket. That’s when a Health Booster policy comes into the picture. This type of plan adds a higher sum insured at a comparatively lower premium. It gives your health insurance a boost, without stretching your budget too much.
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Why should you buy Health Booster top-up insurance from ICICI Lombard?
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Wide range of sum insured (5 lakhs to 50 lakhs) to suit your individual or family needs
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Flexible deductible options (3/4/5 lakhs) to choose from
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10% & 12.5% discount on 2 year & 3 year policies, respectively
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Cashless treatment at 6500+ network hospitals* across India
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Claims service guarantee: Response for cashless claims in 4 hours & reimbursement claims within 14 days from receipt of last document/information
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Quick and hassle-free claim filing and tracking on our website & IL Take Care app
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No pre-policy medical tests for sum insured up to ₹10 lakhs (up to 45 years of age)
National
Parivar Mediclaim Health Insurance
National Parivar Mediclaim Policy is a floater health insurance plan that covers the health care requirements of your family including you, spouse, dependent children, and dependent parents for which the policyholders just have to pay a single sum insured. The sum insured options for this policy range between Rs. 1 Lakh to Rs. 10 Lakh in the multiples of Rs. 1,00,000. The policy also provides fairly wide options for the tenure, i.e. 1 year, 2 years, and 3 years.
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The policy is in great demand for the benefits that come in with it. The policy gets the policyholders covered with pre and post-hospitalisation cover, daycare treatments, domiciliary treatments, organ donor expenses, etc. and also provides lifelong renewability of the policy. The policy also provides optional advantages of Pre-existing Hypertension and Diabetes Cover, Critical Illness Cover, and Out-patient Treatment Cover which can be brought by the policyholders by paying a little extra premium.
National
Top-up & Super Top-up
A super top-up policy offers additional health insurance coverage to the insured when not a single claim (as in case of top-up plans), but multiple claims go beyond the threshold limit of the insurance cover. In a super top-up policy, the total of all bills are submitted, irrespective of if they are for a single illness or multiple ones. A super top-up policy is an ideal choice for those suffering from any affliction that may require several and frequent hospitalisations. Also, the premium paid for a super top-up policy is eligible for tax benefits under Section 80D of the Income Tax Act.
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National Super Top-Up Mediclaim Policy
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Super Top-Up Mediclaim Policy is a suitable health insurance policy that comes with a wide range of sum insured options starting from Rs. 3 lakh and going up till Rs. 20 lakh with threshold limit between Rs. 2 lakh and Rs. 10 lakh. The policy offers several benefits to the policyholders, some of which are stated below:
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Higher sum insured with low premium
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Comprehensive coverage
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Direct claim settlement
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Cover for self, spouse, dependent children (natural or legally adopted), parents or parents-in law, and newborn aged between 3 months and 18 years
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Tax benefits under Section 80D of the Income Tax Act
United India Insurance
Family Health Plan
United India Family Medicare covers all the members of the family under a single sum insured. The term of the policy is 1 year. You get a no claim discount if you have made no claims for 3 continuous years. Payments made towards this health insurance policy is eligible for deduction from taxable income under section 80D of the Income Tax Act. Hospital expenses, day care treatment, Ayush treatment and under this plan.
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Basic Cover
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In-patient Hospitalization
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Organ Donor Benefit- When Insured Person is the Donor
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Day care Treatment
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Road Ambulance Cover
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Pre and post-hospitalization expenses
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Cost of Health Check-up
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Ayurvedic/Homeopathic/Unani treatment
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Modern Treatment Methods & Advancement in Technologies
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Organ Donor’s expenses cover
United India Insurance
Super Topup
The Policy covers aggregate hospitalization expenses reasonably and necessarily incurred in India in respect of all covered hospitalization during the policy period exceeding the Threshold Level or any amount reimbursed or reimbursable under any Health Insurance Policies/Reimbursement Scheme whichever is higher, upto the Sum Insured stated in the policy.
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Hospitalisation expenses
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Hospitalisation expensesRoom, Boarding and Nursing expenses.
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Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
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Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotheraphy, radiotheraphy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopaedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.
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Expenses incurred for covered hospitalization exceeding the Threshold level or any amount received/receivable under any Health Insurance policies/Reimbursement scheme whichever is higher.
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Cashless facility in more than 7000 hospitals across Pan India.
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Free Look period of 15 days shall be applicable at the inception of the first policy.
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Premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act.