Medical Insurance Plans For Family | Best Health Insurance Plans In India 2023
1.Health Insurance
In exchange for a premium amount, health insurance is a type of coverage that pays the insured’s medical expenses incurred as a result of disease or unavoidable circumstances. It enables the insurance company to offer medical insurance for things like nursery costs, hospitalisation costs, and serious illnesses. A health plan offers other benefits as well, including free medical exams and cashless hospitalisation.
2.What is Health Insurance ?
Being in a state of total mental, physical, and social well-being is referred to as being in good health, as opposed to merely being free of disease. While living a healthy lifestyle, it is still possible to obtain health insurance coverage. However, if your close ones or pricey ones contract an infection, your application for a full medical insurance policy may be rejected. It can be difficult to predict or save you from some medical emergencies.
However, we may take these into consideration with our line of needs-based medical health insurance policies.
The majority of health insurance plans in India provide coverage for medical costs that arise from accidents, illnesses, and include the majority of medical or surgical procedures to restore optimal health. In summary, medical insurance programmes relieve anxiety and provide focus extra on recovery
3.Benefits of Health Insurance Plans
To satisfy their customers’ demands, Star Health Insurance offers a variety of medical insurance plans and offers hassle-free in-house claim settlement. You could gain from the following when comparing our health insurance plans
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 urgent need is for the cashless system supported by our health insurance coverage throughout India. More than 89.9% of hospitalization-related Mediclaim claims are handled by Star Health and Allied Insurance Company Ltd. within 2 hours after submission of the required documentation for payment, and 88% of claims are resolved within 7 days.
1.Tax Exemptions:
Under Section eighty D of the Income Tax Act 1961-2021
Profit taxpayers are eligible for tax exemptions on premiums paid in accordance with medical insurance standards. The taxpayer can get tax breaks while choosing health insurance policies for themselves, their partners, their dependent children, and their parents.
- Value-Added Services:As part of its cost-added services, Star Health Insurance Company offers price-brought benefits including e-Medical Opinion, Telemedicine Services, Wellness Programmes and Rewards (which may be turned into premium rate discounts on renewals), among many others. Being the Health Insurance Specialist is justified by Star Health Insurance Company.
- Long-Lasting Trust: Star Health Insurance, a leader in health insurance in India, protects customer values and provides for them in cases of hospitalisation or child care for medical emergencies.
4.Client-centered: Star Health continues to offer accessible digital platforms and spoken communication channels that are convenient for customers. We want to fulfil our clients at the appropriate time, in the appropriate way, and with the correct care in a way that adds value to their satisfaction.
Best Mediclaim Health Insurance Policy in India
1.Health Insurance Plans provide Comprehensive Coverage
All 24-hour in-patient hospitalisations due to disease, accidents, and nursery treatments/processes are covered under Star Health coverage guidelines or Mediclaim insurance. All associated pre- and post-hospitalization costs are also due up to the desired days specified in the coverage provision.
- Health insurance programmes offer more flexibility
Plans from Star Health Insurance provide more flexible benefits while the policyholder purchases medical insurance and faces certain difficulties. As an illustration, further coverage is offered even though the sum insured has been used up. Benefits like Automatic Simple Sum Insured Restoration, Super Simple Sum Insured Restoration, and Road Traffic Accident (RTA) at the Sum Insured come into play here.
These flexible blessings are specific to the product or policy. Consult the coverage clause, if possible.
3.Health Insurance Plans Allow Additional Disease-Specific Coverage
With Star Health, the insured can take advantage of disorder-specific rules for serious conditions including cancer, heart disease, and cardiac diseases as well as in-patient hospitalisation as a general mediclaim medical insurance coverage. There are many Mediclaim health insurance policies from which to choose, including Star Criticare Plus Insurance Policy, Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy, and Star Cancer Care Platinum Insurance Policy.
4.Health Insurance Plans Cover non-Hospitalization Expenses
The insured may take advantage of non-hospitalization costs that are covered by all of our Mediclaim medical insurance policies. These include expenses for things like dental work, yearly physicals, outpatient care, diagnostics, and consultations.
5.Our Best Health Insurance Plans
Health troubles growth with a sedentary life-style and advancement
to a greater population, age. The current pandemic situation has made medical health insurance more important than ever. When a healthy person or their own family purchases a health insurance plan, all of our laws provide coverage for COVID-19 in the event that they are diagnosed with the condition and need to be hospitalised. The insurance terms provide that Covid-19 treatments are covered with a limited ready duration.
Our extensive, feature-rich health insurance policies cover a wide range of health issues and offer comfort during economic downturns brought on by scientific contingencies and uncertainties.
In general, there are many different types of health insurance plans, and they are divided into two categories based solely on their level of coverage: Individual and Family.
1.A personal health insurance policy
Purchasing individual health insurance covers a person for the selected Sum covered, which the covered person may utilise the most.
Plan for Family Floater Health Insurance
In relation to family health insurance, a family is represented by the self, the spouse, the organised kids, and the mother and father.
The Family Floater Health Insurance plan offers unmarried top rates for a full family’s coverage, and the sum covered floats the majority of the insured family members. The insured and immediate family members can get first-rate-assured in-patient hospitalisation, contemporary treatments, diagnosis, surgical operations, etc. at hospitals across India, in addition to a variety of other services.
5.How to say ?
Star Health Claims Services is a trouble-unfastened
Customer-friendly system that guarantees timely processing of all payments. As your go-to source for medical insurance, we offer cashless claims at all of our neighbourhood hospitals in India. The high standards we strive to improve are courtesy, attentiveness, speed, and efficiency. We cherish the opinions of our customers and work hard to meet and surpass your expectations.
6.How to get claims faster ?
The Star Health internet site contains a list of network hospitals, which include Agreed network hospitals.
info aren’t whole, approval of the authorization request can be behind schedule.
1.Cashless Facility Procedures:
Approach the insurance counter at a hospital in the network. You can notify us by calling 044 6900 6900 or 044 4674 5800, or you can send an email to help@starhealth.In.
Tell the operator to get the claim number.
Customer ID and Policy No.
Why I Was Hospitalised
Institution Name
Patient/Insurer Name
Planned hospitalisations may be informed seven to ten days in advance, but emergency hospitalisations may be informed just 24 hours prior to admission.
Declare a claim.
At the network health centre, get to the insurance counter and set up your documents.
Sent documents to the 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.
Payment will reach the community hospital.
Pay the difference and get discharged.
3.Reimbursement claim procedures:
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
Cash receipts from pharmacies and health facilities
receipts for payments and test results reports
Revenue from physicians, surgeons, and anesthesiologists
a statement from the treating physician detailing the prognosis
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,
India’s Best Health Insurance Company For Retail Product – Insurance Alerts
7.Most Innovative New Product of the Year 2020
Health Insurance Provider of the 12 months Silver Award by Outlook Money Awards 2018
The Care Supreme add-on covers include wellness benefits to promote a healthy lifestyle, annual health check-ups to help you keep track of your health, cumulative bonus super to increase your coverage amount up to 500%, and air ambulance cover for speedy transfer and claim protection. Customising your add-on coverage is another choice provided by the medical insurance.
Care Insurance’s Care Supreme programme provides the best medical insurance benefits with a network of more than 21,100 cashless healthcare providers. The plan’s lifetime renewability feature makes it ideal for protecting all types of lives, from single people and married couples to families and elderly parents. The policy also includes a stress-free claim settlement process that uses cashless and reimbursement methods to settle claims.
Reasons to choose Star Health Insurance Company as your Insurance Provider
7.Customer – centric corporation
Products like 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 many more are customer-centric and created based on customer desires. These products will serve you exactly how our customers want.
The core values of Star Health Insurance are belief and integrity, and the company always puts the needs of its customers first. This enables us to go above and above for you in terms of our health insurance products. We never forget how fortunate we are to have made a difference in the lives of those who choose to be a member 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.
agreement completed through certified in-house docs.
Unrestricted coverage with no sub-limits under medical expenses is offered by Care Supreme, one of our most promising family health insurance plans. The policy provides a variety of alternatives for the sum insured, including 7, 10, and 15 lakhs of coverage. This unrivalled health insurance package offers advantages including 60-day pre- and 180-day post-hospitalization coverage, 540+ day care coverage, cumulative bonus up to 100%, unlimited automatic recharge, and e-consultations. What makes Care Supreme special is that it provides limitless coverage up to the amount insured for benefits such as advanced technological treatments, in-patient care, AYUSH therapy, domiciliary hospitalisation, and organ donor coverage.
Under Care Supreme, we provide a number of add-on covers to supplement your existing healthcare coverage, such as annual health screenings to help you monitor your health, cumulative bonus super .
10.PAN India presence
Ever-growing 13,000+ community hospitals throughout India.
1.Claims settled through certified docs
dedicated internal medical staff to process your insurance claims and move the process forward quickly. This team also pulls out people who plan to take advantage of medical insurance and utilise dubious means to enhance their budget.
- Absence of Third-Party Administration
When a claim is fully resolved within the allotted period, justice is served. Many insurance companies frequently use TPA services and are compensated for processing claims. Star Health Insurance relies on its internal claim team rather than a TPA to process claims more quickly and settle them during the busiest hour. - A fantastic free telemedicine facility for everyone Health is inclusive, and we believe in granting access to everyone, not only serve this reasons.