Star True Value 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 TRUE VALUE HEALTH INSURANCE PLAN, which is a plan for the masses.

The SALIENT FEATURES of this plan are:

  • Minimum sum insured is Rs.30000 and maximum sum insured is Rs.80000
  • Hospitalization cover that would cover the insured for in-patient hospitalization expenses provided s/he is hospitalized for a minimum of 24 hours
  • Any person between the age of 5 months and 55 years (at entry) can take this policy
  • Family can be covered under one single policy. Family may include self, spouse, dependent children up to the age of 25 years and dependent parents
  • Hospitalization cover expenses include:
  • Room rent and boarding expenses up to a maximum of 2% of the sum insured per day
  • Nursing expenses
  • Surgeon’s fees, consultant’s fees, anesthetist’s fees
  • Cost of blood
  • Cost of oxygen
  • Operation theatre charges
  • Diagnostic expenses
  • Cost of pace maker
  • Cost of medicines and drugs
  • Cataract surgery but the cover is limited to Rs.20000


SUM INSURED (Rs.) 5 MTHS-25 YRS 26-35 YRS 36-45 YRS 46-55 YRS
30000 340/- 375/- 475/- 0
40000 400/- 450/- 525/- 0
60000 550/- 620/- 700/- 1275/-
70000 600/- 710/- 900/- 1515/-
80000 660/- 850/- 1005/- 1800/-
  • 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
  • Knee replacement surgery (other than caused by an accident)
  • Joint replacement surgery (other than caused by an accident)
  • Prolapsed Inter-vertebral disc (other than caused by an accident)
  • Varicose veings/ulcers
  • Benign prostate
  • Hypertrophy
  • Hernia
  • Hydrocele
  • Fistula in anus
  • Piles
  • Sinusitis and related disorders
  • 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
  • Expenses that are cosmetic in nature
  • Expenses incurred on treatment of congenital diseases/defect/anomalies

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 up to 10 claim free years of continuous insurance
  • 10% discount on the premium if 2 persons are covered
  • 15% discount on the premium if more than 2 persons are covered

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