Star Medi Premier Health Insurance


Star Health Insurance is a venture between Oman Insurance Company,

which is one of the leading insurance companies in the Middle East and a few enterprising industrialists, industry experts and business houses in India.

One of their health insurance plans is STAR MEDI PREMIER HEALTH INSURANCE PLAN.

The SALIENT FEATURES of this plan are:

  • It provides additional lump sum payment in case of diagnosis of certain illnesses during the policy term
  • Any person between the age of 26 years and 75 years can take this insurance
  • The policy has two sections. Section I offers protection against unexpected health care requirements
  • Section II ensures a lump sum payment of 50% of sum insured when certain health disorders are diagnosed
  • Covers under Section I:
  • Hospitalization cover – in-patient hospitalization expenses including room rent at 2% of sum insured subject to a maximum of Rs.4000
  • Boarding and nursing expenses
  • Surgeon’s fees, consultant’s fees, anesthetist’s fees
  • Cost of medicines and drugs
  • Cost of blood, oxygen, diagnostic expenses, cost of pace makers, artificial limbs, etc
  • Ambulance charges up to a maximum of Rs.750 per hospitalization and overall limit of Rs.1500 per policy period
  • Pre-hospitalization medical expenses up to 30 days prior to date of admission
  • Lump sum calculated at 7% of the specified hospitalization expenses payable towards post-hospitalization, subject to a maximum of Rs.5000
  • Covers under Section II:
  • 50% lump sum compensation of the sum insured in addition to payment of hospitalization under Section I
  • Such hospitalization expenses would be paid only till the date of diagnosis of the major illness
  • On entitlement for payment of lump sum under this section, all further benefits shall cease and the policy will get terminated
  • Only one lump sum payment will be made during the insured person’s lifetime
  • To become eligible for lump sum compensation, the diagnosis should be 90 days from the commencement date of the policy
  • In case of detection of major illness, the insured person must survive beyond 30 successive days from such date of detection
  • Specified major illnesses are stroke, renal failure, cancer


SUM INSURED (Rs.) 26-35 YRS 36-45 YRS 46-55 YRS 56-65 YRS 66-70 YRS 71-75 YRS
1 lac 1488/- 1700/- 3107/- 4104/- 5723/- 6133/-
1.5 lacs 2231/- 2525/- 4390/- 5856/- 8481/- 9125/-
2 lacs 2950/- 3275/- 5807/- 6800/- 11041/- 12010/-
2.5 lacs 3544/- 4000/- 7102/- 9252/- 13557/- 14811/-
3 lacs 4200/- 4650/- 7870/- 10300/- 15983/- 17556/-
3.5 lacs 5325/- 9438/- 12848/- 12848/- 18380/- 20236/-
4 lacs 5375/- 5800/- 10992/- 14101/- 20626/- 22802/-
  • A Service Tax of 10.3% needs to be added to the premiums mentioned above
  • Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act


  • All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy
  • Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy
  • Expenses incurred in the first 2 years of continuous operation of the policy cover on treatment of:
  • Cataract
  • Hysterectomy
  • Menorrhagia or Fibromioma
  • Joint replacement surgery (other than caused by an accident)
  • Prolapsed Inter-vertebral disc (other than caused by an accident)
  • Varicose veins/ulcers
  • Expenses incurred in the first 1 year of continuous operation of the policy cover on treatment of:
  • Hernia
  • Hydrocele
  • Piles
  • Sinusitis and related disorders
  • Congenital internal disease/defect
  • Gall stone/renal stone removal
  • Naturopathy treatment
  • Expenses purely diagnostic in nature with no positive existence of any disease
  • Expenses incurred for treatment of disease/illness/accidental injuries by medicines other than allopathic shall be limited to 25% of sum insured, subject to a maximum of Rs.25000 in the entire policy period
  • Expenses that are cosmetic in nature

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

  • Cashless service without TPA intervention
  • Direct tie up with all major hospitals in India
  • 24 hours general practitioner’s advice and medical counseling
  • 24×7 in-house call center
  • Toll free telephone assistance
  • First stand alone health insurance company
  • Cumulative bonus ranging from 5% for every claim free year of insurance (except for the Family Package Plan) subject to a maximum of 25%

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