Medical Insurance Plans For Family | Best Health Insurance Plans In India 2022
1.Health Insurance
Health Insurance is a kind of coverage that covers the clinical costs of the insured due to an illness or twist of fate in trade for a top class quantity. It permits the insurance agency to provide medical insurance for hospitalization prices, day care procedures, vital ailments, etc. A health plan additionally gives multiple advantages, along with cashless hospitalization and unfastened clinical test-ups.
2.What is Health Insurance ?
Good health refers to being in a situation of complete mental, physical and social properly-being but now not mere absence of contamination. It is possible to get health insurance cowl whilst leading a healthy life. But getting a complete medical health insurance cowl can be denied on your close to and expensive ones on acquiring some infection. Certain medical emergencies are difficult to foresee or save you.
However, we can account for them with our form of medical health insurance plans based on consumer’s needs.
Most of the Health coverage plans in India cover medical expenses that get up because of illnesses, accidents and consist of maximum of medical or surgical treatments to restore top health. In brief, medical insurance plans assist ease fears, facilitate first-rate care, offer timely intervention for those affected and permit them to focus extra on recovery.
3.Benefits of Health Insurance Plans
Star Health Insurance gives numerous medical insurance plans to meet client’s needs and presents problem-free in-residence declare settlement. On shopping for our health insurance plans, you could benefit from:
1.Cashless Facility
2.Tax Exemptions
3.Value-Added Services
4.Enduring Trust
5.Customer Centric
6.Cashless Facility from Network Hospitals:
Speed is the essence whilst treating the in poor health. The cashless facility supported by means of our health insurance plans throughout India is the want of the hour. Star Health and Allied Insurance Company Ltd., tactics extra than 89.Nine% of hospitalization associated with mediclaim medical health insurance claims within 2 hours underneath the cashless facility and 88% of claims get settled within 7 days on submission of whole documents below reimbursement.
1.Tax Exemptions:
Under Section eighty D of the Income Tax Act 1961-2021, an profits taxpayer can avail tax exemptions on premium paid closer to scientific health insurance guidelines. On shopping for our health insurance plans, the taxpayer can avail tax exemptions for premiums paid toward self, partner, dependant children and mother and father.
2.Value-Added Services:
Star Health Insurance Company presents price-brought blessings like e-Medical Opinion, Telemedicine Services, Wellness Programs and rewards (which may be converted to top rate discounts on renewals) and lots of extra as cost-added services. Star Health Insurance Company justifies being the Health Insurance Specialist.
3.Enduring Trust:
Star Health Insurance, being the Health Insurance Specialist in India upholds the client values and facilitates them at instances of hospitalization or daycare methods for scientific emergencies.
4.Customer Centric:
Star Health keeps to provide convenient digital structures and verbal exchange channels which are on hand and handy to customers. We purpose to satisfy our clients on the proper time, inside the proper manner, with the proper care in a manner that brings value to our customer’s pleasure.
Best Mediclaim Health Insurance Policy in India
1.Health Insurance Plans provide Comprehensive Coverage
Star Health coverage rules or mediclaim plans will cover all 24-hour in-patient hospitalizations because of illness, accidents and daycare remedies/processes. All related pre-hospitalization and publish-hospitalization fees also are payable up to the desired days cited inside the coverage clause.
2.Health Insurance Plans provide extra Flexibility
Star Health Insurance plans offer extra flexible blessings while the policyholder buys a mediclaim coverage and goes through sure hardships. For example while the sum insured receives exhausted, additional coverage is provided without any greater top class. This is wherein benefits like Automatic Restoration of simple sum insured, Super Restoration of primary sum insured and Road Traffic Accident (RTA) at the sum insured comes into area.
Note: These flexible blessings are product/policy precise. Please confer with the coverage clause to realize more
3.Health Insurance Plans Allow Additional Disease-Specific Coverage
With Star Health, the insured can avail of disorder-precise regulations for important ailments, cancer and cardiac illnesses along with in-patient hospitalization as a general mediclaim medical insurance coverage. We have a huge variety of mediclaim health insurance guidelines to select like Star Criticare Plus Insurance Policy, Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy, Star Cancer Care Platinum Insurance Policy.
4.Health Insurance Plans Cover non-Hospitalization Expenses
The insured can avail of non-hospitalization prices blanketed with maximum of our mediclaim medical insurance guidelines. Those consist of costs, Dental Treatments, annual health check-ups, out-patient care treatments, diagnostics, consultations, etc.
4.Our Best Health Insurance Plans
Health troubles growth with a sedentary life-style and advancement in age to a larger populace. The present day pandemic scenario has underlined the want for medical health insurance more than ever before. All our regulations provide cowl for COVID-19, on buy of a health insurance plan by a wholesome person/own family, if identified with COVID-19 and require hospitalization. Covid-19 remedies are covered with a few ready duration as cited in the policy clauses.
Our numerous, function-rich health insurance plans are available for several health problems and provide peace of thoughts at times of economic disaster due to scientific contingencies and uncertainties.
Health insurance plans by and large are of various types and are categorised beneath two classes based totally on their coverage – for an Individual and Family.
1.Individual Health Insurance Plan
Buying Individual Health Insurance plans cowl an individual man or woman for opted Sum insured, which may be used by the insured man or woman best.
2.Family Floater Health Insurance Plan
In the context of Family Health Insurance, a family shows self, spouse and the structured children and mother and father.
The Family Floater Health Insurance plan covers an entire circle of relatives with a unmarried top rate, and the sum insured floats most of the insured family participants. At hospitals across India, the insured and own family members can avail of first-rate-assured in-patient hospitalization, modern-day remedies, diagnosis, surgical procedures, etc in conjunction with a bunch of different capabilities.
5.How to say ?
Star Health Claims Services is a trouble-unfastened and customer-pleasant system that ensures all settlements are processed promptly. As your medical health insurance expert, we make cashless claims to be had throughout all our community hospitals in India. Courtesy, attention, velocity and efficiency are the high standards we attempt to renovation. We value our patron’s feedback and paintings difficult to meet and exceed your expectations.
6.How to get claims faster ?
The Star Health internet site contains a list of network hospitals, which include Agreed network hospitals.
Search from the network listing from our internet site and discover the nearest network medical institution to your house.
For deliberate surgical procedure, method the health center prior to the date of admission who will send the finished pre-authorization form.
In the pre-authorization form, you're required to supply your touch wide variety.
If info aren't whole, approval of the authorization request can be behind schedule.
1.Cashless Facility Procedures:
Approach the insurance desk at a network medical institution. Intimation may be given either through contacting us at 044 6900 6900 / 044 4674 5800 or electronic mail us at help@starhealth.In
Inform the Operator to acquire Claim No.
Customer ID / Policy No.
Cause of Hospitalization
Hospital Name
Insured/Patient Name
Planned Hospitalisation may be intimated among 7 to 10 days earlier and intimate for Emergency Hospitalization is within 24 hours of hospitalisation.
Register claim.
Reach the insurance desk and put up files at the network health center.
Documents despatched to Star Claims Team.
2.Documents confirmed by our Claim Processing Team.
The decision to approve/question/denial of cashless/rejection conveyed to the community health facility within 2 hours.
If accepted, the declare is settled as per the policy conditions.
Payment will reach the community hospital.
Pay the difference and get discharged.
3.Reimbursement claim procedures:
The insured offers earlier intimation about the treatment to the insurer and the insured can pay the health facility payments. The insured then claims for a reimbursement of those charges inside 15 days from the date of discharge.
4.Documents to be submitted for Reimbursement claims:
Duly finished claim form
Pre-admission investigations and remedy papers
Discharge summary from the hospital
Cash receipts from the health facility and chemists
Cash receipts and reports for tests done
Receipts from medical doctors, surgeons and anesthetist
Certificate from the attending medical doctor regarding the prognosis
Copy of PAN card, cancelled cheque or NEFT information
You may also reach out to our 24/7 consumer care to get your queries cleared.
6.Why Star Health is a Best Health Insurance Company ?
Our motto is to serve the clients with the maximum care. We concentrate deeply to you, so we can offer health insurance plans that earn your agree with.
We are a Health Insurance Specialist, and right here goes our listing of most current achievements on our patron-centric policies:
India’s Best Health Insurance Company For Retail Product – Insurance Alerts
7.Most Innovative New Product of the Year 2020
Young Star Insurance Policy had been provided the Most Innovative New Product of the Year at ASSOCHAM’s Insurance E-Summit and Awards 2020
Best BFSI Brands 2019 with the aid of Economic Times
Best Health Insurance Provider of the yr – Business Today, Money Today Financial Awards 2018–2019
Health Insurance Provider of the 12 months Silver Award by Outlook Money Awards 2018
Reasons to choose Star Health Insurance Company as your Insurance Provider
7.Customer – centric corporation
Products are patron-centric and designed primarily based on consumer desires – Star Diabetes Safe Insurance Policy, Star Cancer Care Platinum Insurance Policy, Star Criticare Plus Insurance Policy, Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy, Young Star Insurance Policy , and lots of extra, in the pipeline to serve you simply the manner our clients want.
Star Health Insurance acts with a hard and fast of center values that consist of believe and integrity with a patron-first mind-set. This allows us to head the more mile for you with our health insurance plans. We don't forget ourselves privileged to have undoubtedly impacted the lives of folks that pick to be part of the Star own family.
89.9% of claims settled in less than 2 hours beneath cashless at our network hospitals
Cashless facility is made available inside 2 hours in community hospitals across India. Our in-house declare agreement process is a primary component, which has allowed us to obtain this large achievement rate. We make certain a trouble-free declare method and agreement completed through certified in-house docs.
10.PAN India presence
Ever-growing 13,000+ community hospitals throughout India.
1.Claims settled through certified docs
A dedicated internal crew of medical doctors to system your health insurance plan claims, and speedy-song the proceedings. This crew also weeds out folks that use nefarious methods to benefit price range and intend to make advantage out of medical health insurance.
2.No Third-Party Administration (TPA)
A claim does justice best when it's far settled in the time-frame. Often, many insurance businesses avail services of TPA and incentivized for the claim processing. Star Health Insurance does not rely upon the TPA but on our in-house claim group to help system claims quicker and settle them in shortest time throughout the most wanted hour.
3.A awesome free telemedicine facility for all
Health is inclusive, and we consider in get right of entry to to all people, not only our customers. Hence, every body can avail of our free telemedicine facilities. Talk to Star App is a specialised application designed to serve this reason.
4.Wellness packages
Star Health Insurance supports the lively upkeep of excellent fitness with precise well being programs that encourage a healthful way of life.
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