Star Health Insurance Plans for Family

Star Health Insurance has plans like Medi Classic, Family Health Optima, Senior Citizen and several other plans suitable for you at every age and stage of your life.

3 min read

May 30, 2024


For the Young in their Early Twenties

Financial Independence

Have you recently started working? Fending for yourself is a great feeling, isn’t it? You don’t have to ask for money from anyone for your expenses. Your parents are also proud of your newfound earning capabilities. It’s all great, but you also need to have health insurance. 


Read along to find out!

Lifestyle Diseases  

Do you know how rapidly the incidence of lifestyle diseases amongst the young is increasing? 

With growing stress to succeed in our professional lives, our endeavors of being healthy can sometimes take a backseat. Meeting every single need of our loved ones, building assets and maintaining our social lives can, at times, leave us physically and mentally exhausted. 

With such neglect to our physical and mental well-being, lifestyle diseases like hypertension, diabetes, cardiac conditions etc. can kick in. 

Therefore, it would help to stay financially prepared against medical uncertainties. 

Here’s how you can do it with Star health insurance.

Star Health Insurance Medi Classic Individual Health Insurance Plans

Star health insurance Medi Classic Individual plans to cover all the expenses related to hospitalisation like:


You probably consulted with a specialist doctor and conducted medical tests before hospitalisation. You might also have been advised to consume medicines. Expenses like these are called pre-hospitalisation expenses.


These are the expenses for room rent and surgical procedures.


You probably need to consult with a specialist doctor and conduct medical tests after hospitalisation. You might also have been advised to consume medicines after hospitalisation. Expenses like these are called post-hospitalisation expenses.

Salient Features 

  • Suitable for individuals aged between 18 to 65 years

  • No capping on room rent – Treatment at Single Standard A/C room

  • Hospital cash benefits

  • All daycare procedures are covered

  • Cost of health check-up for every claim-free year

What should you do as you grow older? Is there a more suitable plan available? Read on to know.

For People in their Thirties and Forties

You have settled in your career. You are probably married by now. Chances are, you also have children. Also, your parents are getting older, and their responsibility lies with you. You need to take care of your family’s health. What are your options? 

Find out in the next section. 

Star Health Insurance Medi Classic Individual Plans for Family Members

You may continue your plan from your twenties and buy additional individual plans for family members. The advantage here is that every member has their own individual sum insured. The sum insured is the maximum limit that an insurer will cover the medical expenses. This can come in handy if more than one family member needs hospitalisation in a year. Claims for one member will not take away the sum insured from another member.

However, the chances of multiple family members needing hospitalisation in a year are low. Is there a way you can pool the sum insured of members and avail lower premiums? As it turns out, there is. 

Read on to find out more.

Star Family Health Optima Family Floater Health Insurance Plan

In a Star Health Insurance floater plan, you club the cover for the family under one policy umbrella. We offer lower premiums for floater plans. However, the sum insured is a common pool shared by everyone on the floater plan. If one member is hospitalised, it will take away from the limit for others that year. 

Salient Features

  • Up to 100% increase in sum insured upon a claim free renewal

  • Affordable health insurance coverage on a floater basis

  • Covers Dental/Ophthalmic treatments on an OPD basis

  • Up to 100% increase in sum insured upon a claim free renewal

  • Benefits include air ambulance facility and availing second medical opinion

  • No capping on room rent – Treatment at Single A/C room

How long can you continue individual or floater insurance policies? Should you consider any other type of policies as you grow older? 

That’s covered in the next section.

For Seniors Over the Age of 60

As you grow older, your health risk increases. Seniors are prone to health conditions much more than younger people. Your health insurance needs are also different from those of younger people at that age. We have just the right policy for you.

Star Senior Citizen Health Insurance

This policy is designed specifically for seniors. Here are a few salient features of the policy.

  • Suitable for senior citizens aged between 60 to 75 years

  • No pre-insurance medical test required

  • Covers pre-existing diseases from the second year onwards

  • Medical consultations as an outpatient in a Network Hospital

  • Guaranteed lifetime renewals

You Are Covered!

At Star health insurance, you are covered for every age and stage of your life.

Read about Star Comprehensive health insurance

Also read more on Family insurance plans

Request for a free health insurance consultation