Star Health
Health Premier
Star Health Premier is a plan specifically built for Senior Citizens (50 years and above) who may also want coverage for OPD consultations. The OPD benefits are capped with certain conditions but there aren’t many plans that offer this benefit for senior citizens anyway. The downside is that despite the name “Premier” the plan offers limited protection and has restrictions on the kind of room you can pick, sub-limits on treatments like cataracts and a co-pay of 20% if you are 66 or above. All things considered, this may not be the most effective option for senior citizens especially if you don’t have pre-existing conditions.
What's good here?
You most likely don't have to split the bill
If you bought this policy after you turned 66, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
If you bought this policy after you turned 66, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 20% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
Restrictions on the rooms you can pick and much more
Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured maximum up to ₹20,000 per day. But in the event, you breach this limit, get ready to pay a lot more.
Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured maximum up to ₹20,000 per day. But in the event, you breach this limit, get ready to pay a lot more.
What's okay here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cataracts and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs, up to a certain limit.
Frequently Asked Questions
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