This policy is not just about covering hospital bills — it’s about offering confidence, care, and complete peace of mind

Star Health Insurance – Premier Insurance Policy

Introduction:
The Star Health Premier Insurance Policy is an exclusive health insurance plan thoughtfully designed for senior citizens and individuals aged 50 years and above. It provides extensive protection against medical expenses, including hospitalization, modern treatments, and preventive health check-ups. This plan is crafted to meet the unique healthcare needs of older adults while offering financial peace of mind and access to India’s top hospitals.

Key Features of Star Health Premier Policy

1. Comprehensive Health Coverage:
   Covers hospitalization expenses, pre and post-hospitalization, day care treatments, and organ donor expenses.
2. Exclusive for Senior Citizens (50+):
   Tailored for individuals aged 50 years and above, providing lifelong medical security.
3. Wide Sum Insured Options:
   Offers flexible sum insured options ranging from ₹10 lakh to ₹1 crore, based on healthcare requirements.
4. Automatic Restoration Benefit:
   100% of the sum insured is restored once in a policy year if the basic limit is exhausted.
5. Modern and Advanced Treatments:
   Covers procedures like robotic surgeries, stem cell therapy (for specific indications), and other advanced medical technologies.
6. Pre & Post Hospitalization Expenses:
   Includes coverage up to 60 days before and 90 days after hospitalization for related medical expenses.
7. Day Care Procedures:
   All day care treatments that do not require 24-hour hospitalization are covered.
8. Health Check-Up Benefits:
   Provides free annual health check-ups at Star Health’s network hospitals, encouraging preventive healthcare.
9. Second Medical Opinion:
   Offers the facility to obtain a second medical opinion from qualified medical professionals in case of critical illnesses.
10. No Claim Bonus (NCB):
    Increases your sum insured by a fixed percentage every claim-free year, up to a defined limit.
11. Cashless Hospitalization:
    Avail cashless treatment at over 14,000+ network hospitals across India.
12. Lifetime Renewability:
    The policy can be renewed lifelong with no age restrictions.
13. Tax Benefits:
    Premiums paid are eligible for deductions under Section 80D of the Income Tax Act, 1961.

Other Important Information

• Entry Age: 50 years and above.
• Policy Type: Individual and Family Floater.
• Waiting Periods:
  • Initial waiting period: 30 days (except accidents).
  • Pre-existing diseases: Covered after 12 months of continuous coverage.
• Network Access: 14,000+ network hospitals across India for cashless facilities.

Example Case Study

Example:
Mr. and Mrs. Narayan, aged 62 and 58 respectively, opted for the Star Health Premier Insurance Policy with a sum insured of ₹25 lakh.

During the policy year, Mrs. Narayan required hospitalization for a cardiac procedure costing ₹6 lakh. The claim was settled cashlessly through a Star Health network hospital. A few months later, Mr. Narayan underwent a cataract surgery costing ₹1.2 lakh, which was also covered under day care treatment.

Later in the year, as the sum insured was nearly exhausted, the plan’s automatic restoration benefit reinstated the coverage amount, providing them continued protection for the rest of the policy period. Additionally, they both availed free annual health check-ups and received an NCB bonus during renewal.

Conclusion

The Star Health Premier Insurance Policy stands out as a comprehensive and reliable plan for senior citizens. With wide-ranging benefits like restoration of sum insured, modern treatment coverage, preventive health check-ups, and lifelong renewability, it ensures health and financial protection during the golden years of life.

This policy is not just about covering hospital bills — it’s about offering confidence, care, and complete peace of mind for your health journey after 50.

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