What is the waiting period for pre-existing diseases?

Pre-existing diseases and their direct complications are covered after 24 months of continuous coverage from the first policy inception date. Continuity benefits may apply under portability rules.

Does the policy cover treatment at home?

Yes. The plan provides Home Care Treatment coverage for specified illnesses and conditions that would normally require hospital care but are treated at home. Coverage is available up to 10% of the sum insured subject to a maximum of ₹5 lakh per policy year.

Does Health Premier cover non-medical consumables?

Yes. Coverage for non-medical items and consumables is available when there is an admissible claim under the policy. This is one of the distinguishing features of the plan.

Is there any co-payment under the policy?

Yes, a 20% co-payment applies for insured persons whose entry age is above 65 years. This co-payment continues on all admissible claims, including renewals.

OneAssure

Health Insurance

Star

Health Premier

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Star Health Insurance

Final Verdict

Health Premier stands out for its senior-focused design, high sum insured options, home care treatment, hospice care coverage, rehabilitation benefits, and coverage for non-medical consumables.

About

About Star Health Insurance

Star Health Premier Insurance Policy is a comprehensive indemnity health insurance plan designed specifically for individuals aged 50 years and above. The plan provides hospitalisation coverage along with modern treatment benefits, home care treatment, rehabilitation support, hospice care, AYUSH treatment, and coverage for non-medical consumables. It also offers automatic restoration of sum insured, cumulative bonus up to 100%, outpatient medical expenses, and wellness rewards. The product is aimed at customers looking for extensive healthcare protection in their later years.

Star Health Premier Insurance Policy is a comprehensive indemnity health insurance plan designed specifically for individuals aged 50 years and above. The plan provides hospitalisation coverage along with modern treatment benefits, home care treatment, rehabilitation support, hospice care, AYUSH treatment, and coverage for non-medical consumables. It also offers automatic restoration of sum insured, cumulative bonus up to 100%, outpatient medical expenses, and wellness rewards. The product is aimed at customers looking for extensive healthcare protection...

Health Premier Ratings

Health Premier

Insurer Rating

5.67

out of 10

Insurance Rating

3.25

out of 10

No Room Rent Limit

No

Consumables Covered

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No Co-payment

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Loyalty Bonus >= 500%

No

No Disease Sublimits

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Unlimited Restoration

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Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

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Maternity Available

Yes

Waiting Period Waiver

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Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

Normal: Up to 1% of Sum Insured subject to a maximum of ₹20,000 per day
ICU: Covered as actuals within Sum Insured

Advanced Treatments

Covered

Co-payment

20% Co-payment

Cashless Healthcare Providers

Cashless facility available at network hospitals

Waiting Period

Initial Waiting Period: 30 Days (except accidents)
Pre-existing Disease Waiting Period: 24 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Up to 1% of Sum Insured subject to a maximum of ₹20,000 per day
ICU: Covered as actuals within Sum Insured

Advanced Treatments

Covered

Co-payment

20% Co-payment

Exclusions

Not available

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...