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Star Shri Individual Care

Entry Age (years)  
Minimum 18; 5 months for children applicable under Section 1 only
Maximum 50
Maximum Policy Renewal Age (years) 60 (for health cover, policyholder may migrate to any other health insurance policy offered by Star Health Insurance after attainment of 60 years of age with continuity of existing policy benefits).
60 years for section 2 (Life Insurance).
Coverage Type Individual
Sum Insured (Rs)  
Maximum 5 lakh. Maximum Sum Insured under Section 2 will be subject to maximum of health Sum Insured taken in section 1
Minimum 1 lakh for both Sections
Policy Term (years) 1
Tax Benefit Section 80D and Section 80C of the Income Tax Act are applicable
Discount 5% for every claim free year till it reaches 25% of initial sum insured (under section1 only)
Pre Policy Medical Check Up Not required
Free look Period 15 days starting from the receipt of policy
Grace Period for Policy Renewal 15 days
Customer Service  
Address Star Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.
Mail to [email protected], [email protected]
Call to 1800 425 6116(Shriram Life) or 1800 425 2255(Star health)
Scope of Cover
Cashless facilityavailable at empanelled network of hospitals
Re-imbursementavailable if treatment taken in non network hospital
Pre-hospitalizationcovers medical expenses upto 30 days prior to the hospitalization
Post-hospitalizationlump sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence
Section 1
Inpatient hospitalizationcovers sickness, illness, diseases and accidental injuries
Room rent, boarding2% of Sum Insured subject to a maximum of Rs 4000 per day
nursing expenses , surgeon's fees, consultant's fees, anesthetist's and specialists feescovered
Emergency ambulancecovered for Rs 750 per hospitalization upto maximum of Rs 1500 per policy period
Cost of medicines and drugscovered
Non allopathic treatmentcovered upto 25% of sum insured subject to a maximum of Rs 25000 per occurrence per policy period
Section 2
Life Insurancecovers policy proposer who is also an earning member; pays sum assured on demise of policyholder
Surrender valueNil
Exclusions and Waiting Period
under Section 1 (Health Cover)
Pre-existing diseasescovered after a period of 48 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as cataract, varicose veins etc. will be covered after a period of 2 years.Certain diseases such as hernia, piles, sinusitis etc. will be covered after a period of 1 year
under Section 2 (Life Insurance)Suicide within 1 year whether sane or insane from commencement/ reinstatement of the policy.
Waiting Period90 days in case of section 2 (life cover) beginning from the inception of the policy (except for accidental death)
General ExclusionsNaturopathy treatmentNon allopathic treatmentCosmetic, beauty, weight reduction and other likely treatments.War, participation in any criminal activity or any other related condition