Star Health Assure Insurance Policy
Star Health Assure is a health insurance plan that covers hospital expenses for individuals and families. It pays for treatment due to illness, injury, or accidents. The policy can be bought for yourself or your family on an individual or floater basis.
It offers coverage from ₹5 lakh to ₹2 crore and includes unique features like:
- Unlimited automatic sum insured restoration
- Wellness discounts on renewal
- Lifelong renewability
- No pre-medical tests required
This policy supports long-term health needs with broad protection.
Star Health Assure Insurance Policy – Features & Benefits
The Star Health Assure Insurance Policy offers comprehensive coverage for a wide range of medical expenses. Here’s what makes it a solid choice for your health insurance needs:- It covers expenses like doctor consultation fees, hospital room charges, nursing care, and more, as long as you’re hospitalized for at least 24 hours.
- Unlike many other plans, it also includes non-medical items such as gloves, masks, oxygen cylinders, and similar essentials.
- Emergency transportation is taken care of too, whether it’s via road ambulance or air ambulance. Even delivery (childbirth) expenses are covered.
- The policy supports a variety of treatments including assisted reproduction, chronic severe refractory asthma care, daycare procedures, domiciliary hospitalisation, and even home care treatments.
- You can get a premium discount of up to 55% if you choose a voluntary deductible of ₹50,000 or ₹1 lakh, depending on your sum insured.
- With the Health Check-up Assure benefit, you’re entitled to annual preventive health check-ups – fully covered by the policy.
- The plan rewards you for staying healthy: for every claim-free year, your sum insured increases by 25%, up to a maximum of 100% – thanks to the cumulative bonus feature.
Why Star Health? (Brand Strength + IRDAI-Regulated Trust)
Star Health is one of India’s most trusted health insurers. It’s licensed by IRDAI and known for customer-first claims and support. Why people choose Star Health:- Over 14,000 network hospitals
- Strong claim settlement record
- Transparent service and digital tools
- Trusted brand since 2006
Who Can Buy Star Health Assure Insurance Policy
This policy helps anyone who wants full-scale medical coverage without surprise gaps. It suits:
- Working individuals
- Families with kids or elderly parents
- Senior citizens
- People seeking high coverage without complex terms
Who can apply:
- Adults: 18 to 65 years
- Children: 91 days to 25 years (if parents are covered)
- Family includes: Self, spouse, children, parents, and parents-in-law
The plan is useful if you want sum insured refill, cashless treatment, and wide eligibility in one policy.
Plan Variants Under Star Health Assure Insurance Policy
You can buy the policy as an:- Individual Plan – Each member gets separate coverage
- Floater Plan – Family shares one sum insured
- No room rent limit for sum insured ₹10 lakh or above
- Premium discounts for wellness and healthy lifestyle
- Coverage up to ₹2 crore
Detailed Coverage Scope
This policy includes full in-patient and hospital support, plus unique extras.
Coverage includes:
- Hospitalization (min. 24 hours)
- Pre- and post-hospital care
- Day care procedures
- Domiciliary treatment
- AYUSH therapies
- Room rent (no cap on ₹10L+ sum insured)
- ICU charges
- Doctor/surgeon fees
Extended benefits:
- Air ambulance
- Non-medical items (gloves, masks, etc.)
Assisted reproduction
- Chronic asthma treatment
- Home care services
- Delivery and maternity expenses
- Annual preventive health check-ups
- 25% cumulative bonus per claim-free year (up to 100%)
Restoration benefit: If your sum insured runs out, it refills — unlimited times during a policy year.
What’s Not Covered in Star Health Assure Insurance Policy
Despite its wide cover, the plan excludes a few expenses:
Exclusions:
- Weight loss treatments
- Vaccinations (unless injury-related)
- Alcohol or drug addiction treatment
- Self-harm or suicide attempts
- Fertility treatment
- Treatment abroad
- Sports injury from adventure activities
- Plastic or cosmetic surgery
- Experimental or unproven therapies
- Dietary supplements
Waiting periods:
- 30 days for general illness
- 2 years for pre-existing illnesses
- 3–4 years for specific conditions (e.g., joint replacement)
Transparency is built-in. These exclusions help manage claim integrity.
Eligibility Rules & Pre-Existing Condition Terms
You can buy the policy without any medical tests. Most people qualify based on age alone.
Who can apply:
- Adults: 18 to 65 years
- Children: 91 days to 25 years (if parents are covered)
- Family: Includes self, spouse, children, parents, and parents-in-law
Pre-existing conditions:
- Covered after a 24-month waiting period
- Disclosure of all known illnesses is mandatory
- Specific diseases (e.g., joint issues) may have 36–48 month waits
No health check-ups are needed unless you’re flagged as high-risk by underwriting.
Premium Estimate, Voluntary Deductibles & Tax Benefits
Your premium depends on:
- Age
- Number of members
- Sum insured
- Optional deductible
Savings Tip:
Choose a voluntary deductible of ₹50,000 or ₹1 lakh and get up to 55% premium discount.
Tax Benefits (Section 80D):
- Claim up to ₹25,000 for premiums paid for self/spouse/children
- Claim up to ₹50,000 if insuring senior citizen parents
Online calculators are available to estimate your premium before you buy.
Network Hospitals & Cashless Facilities
Star Health partners with over 14,000 hospitals across India.
Cashless Process:
- Go to a network hospital
- Show your policy ID
- Hospital submits request to insurer
- Get approval, receive treatment
- Sign paperwork on discharge
Non-network hospital:
Pay upfront → submit documents → get reimbursed.
Use the hospital locator tool or mobile app to find nearby cashless hospitals.
Ready to Get Covered? Make the Call.
Health surprises don’t wait. Neither should you. Whether you’re protecting yourself or your entire family, Star Health Assure gives you wide coverage, unlimited sum restoration, and zero-nonsense claims.
You now know what’s covered. What’s not. How to save. And how it works.
The next step is simple:
📞 Call 73475 95768 — get expert help from a Star Health Insurance Agent now. Get your quote. Get covered. Get peace of mind.
FAQ
Yes, but the extra amount may have a waiting period.
Yes, the full process is online — including payment and download. Call Star Health Insurance Agent at 7347595768. We will help you throughout the process.
No, OPD treatments and consultations are not covered.
