Diseases covered by Star Health Insurance

This has increased the level of competition in the health insurance industry and eventually resulted in the launching of several new policy products, catering to the varied requirements of the consumers. Among them, Star Health Insurance has earned a prominent name. Here, we will highlight all the ailments that are covered under the Star Health Insurance Plan.

Star Health Insurance Overview

Being in operation since 2006, Star Health Insurance is regarded as one of the most significant standalone insurance providers in the country. It maintains an enriched number of network hospitals of over 14000 spread across the country.

Depending on the varied necessities of their wide customer base, Star Health Insurance has launched several types of health insurance products, including the following:

• Star Comprehensive Insurance Policy
• Senior Citizens Red Carpet Health Insurance Policy
• Star Special Care Plan for autistic patients
• Star Cancer Care Platinum Plan
• Star Critical Illness Multi-pay Plan
• Star Cancer Care Gold Plan
• Star Cardiac Care Insurance Policy-Platinum Plan
• Star Care Gold for disabled people and/or those with HIV/AIDs
• Star Smart Health Pro
• Star Diabetes Safe Insurance

• Star Medi Classic Insurance Policy (Individual)

• Top Up Health Insurance Plans:

  • Super Surplus Insurance Policy
  • Star Super Surplus (Floater) Insurance Policy

• Star Family Health Optima Insurance Plan

• Star Outpatient Care Insurance Policy
• Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd
• Young Star Insurance Policy
• Star Hospital Cash Insurance Policy
• Star Women Care Insurance Policy
• Star Micro Rural and Farmers Care
• Star Health Assure Insurance Policy
• Star Health Premier Insurance Policy
• Star Health Gain Insurance Policy.

List of diseases covered by Star Health Insurance

Below is the list of ailments that are covered by Star Health Insurance:

Diabetes

This is a common but chronic ailment, requiring regular monitoring. It is one of the most common forms of lifestyle diseases and is the root of several other ailments like cardiovascular issues, kidney issues, heart issues, strokes, etc. Under the Star Diabetes Safe plan, the beneficiary is eligible to receive coverage for all diabetes-related treatments for both Type-1 and Type-2 diabetes.

Cancer

We are all aware that this is a fatal ailment and requires critical medical intervention at every stage. There are several variants of cancer. With the Star Cancer Care Plan, you can enjoy coverage for expensive cancer treatments to curb the unhealthy spread of malignant cells in the body.

COVID-19

The pandemic outbreak of this highly transmissible and contagious disease gave us a very hard time back in 2020. Some of the common symptoms are pneumonia, breathing trouble, low oxygen levels, multi-organ failure, and several other fatal complications. Star Health offers a separate plan for COVID-19 coverage.

Cataract

Cataract eye surgery is very common. This ailment causes blurry vision due to the gradual growth of a filament in the eye, developed due to ageing. Star Health plan offers coverage for cataract removal surgery.

Cardiovascular ailments

Any complications or abnormalities arising in the heart or blood vessels eventually result in cardiovascular issues. It may cause hypertension, stroke, cardiac arrest, etc. You can opt for Star Criticare or Star Cardiac Care plans to enjoy cardiac treatment coverage.

Kidney issues

Such ailments lead to the gradual loss of normal kidney functions, leading to the rise of several other issues. You can protect it by using Star Criticare or similar other health plans.

Cerebrovascular stroke

Such issues may cause severe brain damage and other associated parts. It happens due to the lack of proper blood supply to the brain. You can use Star Criticare or Star Cardiac Care plans to handle such emergencies.

Brain tumour

Brain tumours can be malignant or benign. Whatever it is, it requires surgical intervention for removal. Star Criticare Plus is a competent plan to cover such treatments.

Autism Spectrum Disorder

This ailment is exclusively covered by Star Special Care Policy. This plan has been specially crafted for children diagnosed with this issue.

Psychiatric disorders

These are psychological disorders affecting the normal mental ability of the concerned individual. Star Medi Classic Plan covers these issues.

List of diseases not covered by Star Health Insurance

Star Health Insurance typically maintains certain exceptions when it comes to health insurance coverage. The list of ailments that are not covered by this insurance provider includes

• Bronchitis
• Asthma
• Diarrhoea
• Chronic nephritis
• Dysentries
• Gastroenteritis
• Hernia
• Sinusitis
• Piles

Star Health Insurance plans for pre-existing diseases

Pre-existing diseases are those which remain present during the time of policy purchase. Most PEDs get insurance coverage after a pre-defined waiting period. This tenure varies from one insurer to another and also according to the type of ailment.

Some of the PEDs that are covered by Star Health Insurance include the following:

• Young Star Health Policy: This plan covers PEDs after serving a waiting period of 12 months.

• Star Comprehensive Plan: Under this plan, you need to wait for 36 months from the date of policy purchase to get PED coverage. However, by opting for “ Buyback PED” you can reduce the waiting period to just 12 months.

• Senior Citizens Red Carpet: As the name suggests, this plan has been specifically designed for people aged 60 years and above. It allows PED coverage after 12 months from the date of policy commencement.

• Star Diabetes Safe Plan: This policy offers diabetes coverage for both Type-1 and Type-2 variants. This plan has two options, Plan 1 with zero waiting period, and Plan 2 with a 12-month waiting period.

Benefits of having Star Health Insurance

Some of the most significant benefits of maintaining a Star Health plan include:

1). Allows comprehensive protection to individuals and families under individual and family floater plans.

2). The optimum sum insured limit goes up to INR 2 crores.

3). Offers customer-centric and user-friendly products.

4). The company allows hassle-free claim settlement within 2 hours.

5). Star Health maintains a wide range of network hospitals of over 14000 spread throughout the country.

6). The doctors of the Star family are easily available throughout the year for easy in-house claim settlement.

7). There is no compulsion of pre-policy medical screening for most Star health plans.

8). The beneficiary can enjoy tax benefits of up to INR 1 lakh.

Conclusion

We have discussed all the necessary plans offered by Star Health Insurance that you may opt to choose for several types of health issues. This insurance provider has earned and maintained goodwill in the industry for a long time and that's not without reason. It is a very trustworthy name offering offbeat products and customer-friendly services much to the satisfaction of its ever-expanding consumer base.