Question 1

What is the right age to get health insurance?

Accepted Answer

A person can buy individual health insurance as soon as they turn 18 years of age. Buying a policy at an early age gives financial protection, and you can get much higher coverage at a lower premium.

Question 2

What is the best family insurance?

Accepted Answer

Numerous health insurance plans are available for families with a good range of coverage. A floater policy with wide range of sum insured options is the best for covering the entire family. Star Health offers various floater plans

Question 3

What does health insurance cover?

Accepted Answer

Medical costs incurred as a result of disease/illness/accident are covered by health insurance. These medical costs include the cost of hospitalisation, pre and post hospitalisation, medications, implants, specialist fees and the cost of surgery, etc.

Question 4

When can we claim health insurance?

Accepted Answer

In general, you can claim health insurance after a period of 30 days from the commencement of the health policy except for the claims that have waiting periods. However, in case of an accident, this initial waiting period is not applicable, and the cover is immediately provided if it is not for a pre-existing condition.

Question 5

How do I claim the health insurance amount?

Accepted Answer

You can make your health insurance claim in one of the two ways: Cashless or Reimbursement Claims. However, the processes for these two kinds of health insurance claims vary.

Question 6

Is there a time limit to claim health insurance?

Accepted Answer

If a policyholder receives an emergency treatment in a network hospital, the insurance company will directly settle the bill to the network hospital. You can claim reimbursement from your insurer if you are getting treated in a non-network hospitals.For reimbursement of claims, the intimation should be given within 24 hours of hospitalisation (in case of emergency hospitalisation). Claim must be filed within 15 days from the date of Discharge from the Hospital.In case of planned hospitalisation, you must notify your insurer at least 2 to 4 days before the scheduled hospitalisation.

Question 7

How can I get travel insurance?

Accepted Answer

You can purchase travel insurance before or after booking your trip. However,one can get travel insurance from the official website or through an insurance agent.

Question 8

What is covered in international travel insurance?

Accepted Answer

Overseas Mediclaim policies cover the following sections:Medical Section - Emergency medical expenses, Dental emergency due to accident, Transporation of Mortal remains and emergency medical transportation.Accident Section – Personal Accident Travel Section - Loss of Baggage or Passport, Delay in Checked in baggage, Flight Delay, Missed departure of connection flight, Trip cancellation or interruption due to death of family member or a Hijack, etc.Liability Section - Personal Liability

Question 9

Does everyone need travel insurance?

Accepted Answer

If you have plans to travel overseas, you need to understand how important purchasing a travel insurance policy is. Your insurance company can cover most of your expenses that may arise from travel inconveniences.

Question 10

What is multi-trip travel insurance?

Accepted Answer

The multi-trip travel insurance plan offers coverage for a predetermined period of time, usually for a year and allows you to take as many trips as you'd like while still being covered under the same policy. Star Health offers Corporate travel plan with this kind of benefit.

Question 11

Who can take personal accident insurance?

Accepted Answer

The Personal Accident Policy can be taken by any individual between the age of 18 and 70 years living in India. Some policies also cover dependent children from the age of 5 months to 25 years.

Question 12

What is covered in personal accident insurance?

Accepted Answer

The policy covers accidental death, permanent  total disablement, permanent partial disablement and temporary total disablement due to accident.

Question 13

What is group accident policy?

Accepted Answer

Group accident insurance is a sort of insurance that is provided to employees by the employer to guard them against the medical costs associated with accidents and related injuries.

Question 14

How does insurance work in case of an accident?

Accepted Answer

If a policyholder met with an accident, the insurer will provide necessary financial support to cover the treatment expenses. In addition, it also provides cover for death and disablement due to accidents. Some policies also provide educational grant to the insured’s dependent children studying in school or college.

Question 15

Does accident insurance cover sports injuries?

Accepted Answer

Most health insurance companies do not cover  hazardous sports-related injuries for various reasons.

Key Feature	Benefits
Protection for	Individual / Families on Floater Basis
Sum Insured (INR)	Up to 2 crores
Innovative Products	Customer-Centric Policies
Hassle-Free Claims	89.9% in less than 2 hours
Cashless Facility	14000+ Network Hospitals
In-house Claim Settlement	On all 365 days by Qualified Doctors
Digital Platform	Highly sophisticated website
Pre-insurance Medical Screening	Not Mandatory in most of our Policies

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What is the right age to get health insurance

A person can buy individual health insurance as soon as they turn 18 years of age. Buying a policy at an early age gives financial protection, and you can get much higher coverage at a lower premium.

What is the best family insurance?

What does health insurance cover?

When can we claim health insurance?

How do I claim the health insurance amount?

Is there a time limit to claim health insurance?

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