In fact, health insurance these days has emerged as one of the key factors in financial planning, saving against unforeseen expenditures on medical treatment. Among a host of companies that sell this essential service, Star Health Insurance stands among the most credible and customer-friendly health insurance service providers in India. With many policies to suit individuals and families, Star Health Insurance lends peace of mind amidst uncertain medical situations.
In this post, we will be discussing the advantages of buying Star Health Insurance online. Also, we will be taking a look at how one can do it with the help of platforms like AapkaPolicyWala, which make this process as easy as a piece of cake. Let us take a detailed look at reasons as to why Star Health Insurance is a good choice, their variants, and also know why buying them online saves time and is faster and easier.
Why Choose Star Health Insurance?
Established in the year 2006, Star Health and Allied Insurance Co Ltd is India’s first standalone health insurance company. These years, the company has been renowned for quality customer service, a large network of empanelled hospitals, and a range of innovative products to suit the different needs of the customers. Major reasons to choose Star Health Insurance are as follows:
1. Varieties of Plans
The Star Health Insurance policy is available for its policyholder, namely individual, family, senior citizen, and pre-existing diseases. They also cover critical illness, maternity expenses, and daycare procedures. Some of the provided popular plans from the company are as mentioned below:
Star Family Health Optima Insurance Plan: This plan would serve as an ultimate choice if one intends to get his/her family covered comprehensively.
Star Comprehensive Insurance Plan: It is comprehensive health insurance without any sub-limit on the room rent and other expenses.
Critical Care Plus Insurance Policy: This insurance policy focuses on covering the policyholder from serious ailments.
2. Large Network of Hospitals Star Health Insurance, with more than 13,000 network hospitals pan India, assures its clients on cashless hospitalization, thereby making it easier to get treated without upfront payments.
3. Seamless Claim Process
The claim process is hassle-free, cashless, or reimbursable at Star Health Insurance, with the support of an efficient exclusively working claim settlement team. They deal in business with probably the quickest and most transparent claim settlement process in the country. As on date, Star Health has one of the best claim settlement ratios in the health insurance industry.
4. Lifetime Renewability
The plans of All Star Health are available with lifetime renewability to cover you throughout your life with no age cap.
5. Innovative Add-Ons
Star Health offers different add-ons like accident cover, hospital cash benefits, and coverage for specified diseases that can be added to enhance health insurance coverage with full customization of health insurance policy.
Advantages of Buying Star Health Insurance Online
Since digital platforms have come up everywhere, the purchase of Star Health Insurance online has secured a top position in the list of many. The major advantages are as follows,
1. Easy and Time-Saving
Now, buying health insurance is no more time-consuming, as it used to be with long queues, paperwork, and visiting an insurance office. Online portals now help one compare, choose, and purchase a Star Health Insurance policy from the comforts of home. The whole thing requires just a few clicks and minutes, thereby saving a lot of time and effort.
2. Instant Po#licy Issuance
When one buys health insurance online, he/she gets an instant policy issuance on filling out the requisite details and making the payment. Such immediacy ensures that you are covered without any delays and your policy documents will also be made available on a digital platform.
3. Multiple Plans Comparison
One of the major reasons to buy insurance online is the facility of comparing several plans in real time. You can look at all benefits, inclusions, exclusions, and premiums of various policies and choose the best one according to your needs.
4. Offers and Discounts
All the insurance companies, be it Star Health or any other, provide exclusive discounts while buying the policy online. This may result in saving huge money when compared to buying offline.
5. More Transparency
Buying life insurance online ensures that you are fully informed about policy details, terms, and conditions before buying the same. You may go through policy documentation, coverage, and clear your doubts at your discretion while not being dependent on the agent to explain what is covered.
6. Digital Records and Ease of Management
When you buy health insurance online, you will be entitled to a soft copy of your policy, and that is essentially much easier to save and access whenever required. You can very easily renew your policy, enhance your coverage, or even create a claim for the same from the same online portal.
Step-by-Step Guide to Buying Star Health Insurance Online
Buying Star Health Insurance is quite seamless online. A step-by-step guide to help you through:
Step 1: Visit Official Website
Proceed with Star Health Insurance online or through any insurance aggregator website.
Step 2: Filling of Personal Details
Fill in basic information related to your name, age, number of members you want to insure, and also about pre-existing health conditions, if any.
Step 3: Compare the Plans
Here, after filling in all your information, you will be provided with a list of health insurance plans. Each of the plans will draw a picture in front of you about its benefits, premium, and coverage. You can compare and select which one fits best for you.
Step 4: Selection of Add-Ons
Post selecting the base plan, further modifications can be done by selecting additional riders-if any-like critical illness cover, accident cover, or hospital cash.
Step 5: Pay
After filling in all the details, click on ‘Pay Now’ via secured payment gateway. Most online portals offer different payment options like: debit/credit cards, net banking, and UPI.
Step 6: Get Your Policy Instantly
The moment the payment is done, your health insurance policy will be issued instantly. The policy documents via email; there is also a download available on the website.
How AapkaPolicyWala can help you buy Star Health Insurance online:
Though one can purchase Star Health Insurance directly from its website, AapkaPolicyWala provides an easy interface. Being an insurance comparison and advisory platform, it would enable people to make their best decisions while buying insurance. Here’s how they play an important role:
1. In-depth Comparisons
The entire comparison among the different health insurance plans, for example, Star Health Insurance for their respective coverage, premium, waiting period, and claim processes, can be done on AapkaPolicyWala. This feature helps the customer make well-informed decisions without the need to surf multiple sites.
2. Expert Advice
One of the major advantages with AapkaPolicyWala is easy access to insurance consultants who can provide very personalized advice on what to invest in, based on where you need benefits. In this case, many people are at sea over the choice of plan or any advice on critical illness cover, coverage of pre-existing conditions, or maternity benefits.
3. Seamless Buying Process
AapkaPolicyWala ensures that the entire buying process of health insurance is really smooth and seamless, right from filling out the personal details to making the payment. Their intuitive platform ensures frictionless experience. You can even set up reminders for policy renewals.
4. Exclusive Offers
AapkaPolicyWala very often collaborates with insurance providers like Star Health and offers its customers exclusive discounts, cashback, and other incentives on buying insurance through its platform.
5. Dedicated Support
For any problem or query relating to buying the policy, AapkaPolicyWala provides customer service that guides you in selecting the right policy and helps in claim settlement too.
Types of Star Health Insurance Policies Available Online
When you buy any Star Health Insurance online, you will get several types of policies available for different health needs. Here are a few key ones:
1. Family Health Optima Insurance Plan
This is a family floater plan, where the entire family is covered on a single policy. The insurance cover includes maternity cover, newborn baby cover, and multiple hospitalizations during the policy year.
2. Star Senior Citizens Red Carpet Policy
The target group of this policy are the senior citizens in the age bracket of 60-75 years. Pre-existing disease coverage, hospitalization cover are the other features of the policy, and no medical screening is required prior to buying the policy.
3. Star Comprehensive Insurance Policy
It is among the best-sold policies with comprehensive cover devoid of sub-limits on room rent, no copayment clauses, and cover for all day care treatments.
4. Star Super Surplus Insurance Policy
This is a top-up policy that comes into play when the limit of your existing health cover has been exhausted and is, therefore, very ideal for high medical expenses.
Conclusion
It will be wise and convenient for you and your family to buy Star Health Insurance online. Your health is secured, with easy access to plan comparison, discounts, and instant policy issuance. Digital is the future of health insurance. Likewise, other platforms like AapkaPolicyWala make this process even easier in finding expert guidance, comprehensive plan comparison, and exclusive offers that keep your decision informed and hassle-free.
From your first policy to the renewal of your existing health insurance policy, the wide varieties offered at Star Health Insurance will make sure you get the right policy. So, what are you waiting for? Buy Star Health Insurance online today and give your family the protection it deserves!