Affordabie and comprehensive protection under one plan.
Star Health Insurance – Super Star Flexi Plan
Introduction:
Star Health Insurance’s Super Star Flexi plan is a comprehensive health insurance policy designed to offer financial protection against rising medical expenses. This plan provides flexible sum insured options, extensive coverage benefits, and value-added features for individuals and families. It is a smart choice for those who seek both affordability and comprehensive protection under one plan.
Key Features of Super Star Flexi Plan
- Flexi Sum Insured Options:
The plan allows customers to choose from multiple sum insured options—₹5 lakh to ₹1 crore—based on their medical needs and budget. - Flexible Room Rent:
Flexibility to select room category as per the plan type, ensuring comfort during hospitalization. - Day Care Procedure Coverage:
Covers all day care procedures that do not require 24-hour hospitalization. - Pre and Post Hospitalization:
Expenses incurred 60 days before and 90 days after hospitalization are covered, including diagnostic and follow-up treatments. - Modern Treatment Coverage:
Advanced medical procedures like robotic surgeries, stem cell therapy (for specific conditions), and organ donor expenses are covered. - Restoration Benefit:
100% restoration of the sum insured once in a policy year for unrelated illness or accident after the limit is exhausted. - No Claim Bonus (NCB):
Rewards you for staying healthy by increasing your sum insured up to a specified percentage every claim-free year. - Automatic Recharge Benefit:
The sum insured automatically replenishes if it gets exhausted during the policy year. - Lifetime Renewability:
The plan can be renewed for life without age restrictions. - Tax Benefits:
Premiums paid are eligible for tax deduction under Section 80D of the Income Tax Act.
Other Important Information
- Entry Age: 18 years to 65 years (adult); 91 days to 25 years (dependent children).
- Policy Type: Individual and Family Floater options available.
- Network Hospitals: Access to over 14,000+ network hospitals across India for cashless treatments.
- Waiting Period:
- Initial waiting period – 30 days (except accidents).
- Pre-existing diseases – covered after 36 months of continuous coverage.
Example Case Study
Example:
Let’s take the case of Mr. Rajesh, a 40-year-old working professional from Chennai. He chooses the Super Star Flexi Plan with a sum insured of ₹20 lakh for his family (self, wife, and two children).
A few months later, his wife underwent a gallbladder surgery that cost ₹3 lakh. The hospital was cashless under Star Health’s network, so the insurer settled the bill directly. Later in the same policy year, Rajesh’s son required minor surgery costing ₹2 lakh. Since the policy includes automatic recharge and restoration benefits, the entire expense was again covered without any out-of-pocket payment from Rajesh.
By the end of the policy year, Rajesh received a No Claim Bonus for his next renewal, increasing his coverage amount at no extra cost.
This example shows how Super Star Flexi offers flexibility, wide coverage, and peace of mind during medical emergencies.
Conclusion
The Star Health Super Star Flexi Plan is ideal for families and individuals who want a combination of flexibility, broad coverage, and affordable premiums. With its wide hospital network, restoration benefit, and advanced treatment coverage, it ensures that your health and finances are protected during any medical emergency.
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