Star Family Delite Insurance Plan Benefits, Features, Buy & Review

Star Family Delite Insurance Plan – Do you have a large family and need insurance that can cover a lot of people? If so, the Star Family Delite insurance plan could be the perfect option for you! This plan offers a wide range of coverage, including medical expenses, accidental death, and theft. Plus, it includes special features like family discounts and a no-fault policy. If you’re interested in learning more about this plan, or in finding out if it’s right for you, please contact our team. We would be happy to discuss your specific needs with you!

Star Health Insurance Policy provides a health insurance plan with the best medical facilities for your entire family through its Family Delite Plan. All people between the ages of five months and 65 are covered by this family floater plan. One of the best family health insurance plans is one with lifetime renewability. The process of selecting this plan is straightforward; however, individuals over the age of 50 must undergo a medical examination at one of the company’s designated diagnostic centers; the insurance company is solely responsible for the cost of these examinations.

Star Family Delite Insurance Plan

Welcome to the Star Family Delite insurance plan! Our plan is designed specifically for families, and provides comprehensive coverage at an affordable price. Our team of experts is dedicated to helping you find the right policy for your needs, and we offer a range of options to fit your unique needs. We are here to help you make the best decision for your family, and we hope that you take the time to review our policies. Thank you for choosing the Star Family Delite insurance plan!

On a floater basis, Star Family Delite is designed to cover a family’s hospitalization costs. The insured amount can be used by policyholders until it is exhausted. expenses incurred prior to and during hospitalization, as well as inpatient costs, up to a certain limit. Also, coverage for boarding, ICU, and room rent is limited to a certain percentage of the insured sum. The purpose of Star Family Delite is to float a family’s hospitalization costs. You can use the insured amount until it’s gone. The costs of an inpatient hospital stay, as well as those of pre- and post-hospitalization expenses, are covered by the policy up to certain limits. Also, the ICU, boarding, and room rent are limited to a certain percentage of the insured sum.

Star Family Delite Insurance Plan

Details Star Family Delite Insurance Plan

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About Star Family Delite Health Insurance

Star Health Health Insurance has a plan called Family Delite that has the best medical facilities for the whole family at a price that is affordable. The family floater plan, which covers the proposer’s spouse and any children in addition to them, indicates that a single payment can increase your family’s safety. With benefits that can be renewed for life, the policy covers people who are between the ages of 5 months and 65.

It is easy to get coverage through the medical insurance plan; however, people over the age of 50 must undergo a medical exam at the insurance company’s designated centers, and the cost is covered by the insurance company. The plan provides a maximum insured sum of Rs. 3 Lakh to cover specific diseases for families. This plan covers more than just medical expenses; it also covers a number of benefits. This plan is perfect for every family because it covers inpatient, pre- and post-hospital care, daycare procedures, ambulance costs, and many other benefits. The plan also has the standard benefits of any other insurance plan, like a tax benefit and a free look period, among other things.

Star Health and Allied Insurance Family Delite Policy – Highlights

If you’re looking for a comprehensive and affordable health insurance policy, the Star Health and Allied Insurance Family Delite Policy may be a good option for you. This policy offers numerous benefits, such as coverage for maternity care, preventive health services, and more. Plus, it’s designed to be affordable, making it a great option if you’re on a tight budget. If you’re interested in learning more about this policy or in finding out if it’s right for you, be sure to read on!

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Here are a portion of the significant highlights of Family Delite Strategy –

  • The arrangement offers health care coverage for your entire family at a reasonable cost
  • Whenever confessed to a clinic for 24 hours or more, space charges, expenses of prescriptions, nursing and boarding, specialists’ expense are completely covered
  • The passage age for this arrangement is from 5 months to 65 years
  • Total guaranteed is accessible on floater premise
  • The is no greatest age for cover, the arrangement accompanies long lasting reestablishment
  • Different determined day care methods are covered
  • Consumption on rescue vehicle during crisis hospitalization is covered-INR 750 for each hospitalization and INR 1,500 for every arrangement period
  • Treatment-related costs that are brought about previously and furthermore after hospitalization are covered
  • No clinical screening is required, assuming you are under 50 years old and have no significant ailment

Inclusions of Star Diabetes Safe Insurance Policy

Do you have diabetes and are worried about the future? Diabetes is a serious condition that can lead to many complications in the future, some of which may be lifelong. That’s why it’s important to have a Star Diabetes safe insurance policy in place.

  • It is one of the most incredible Star health care coverage plansoffering diabetes cover including Type 1 and Type 2 diabetes hospitalization costs and furthermore the connected complexities
  • Hospitalization Costs that Star health care coverage organization pays under this strategy incorporate prescriptions, nursing and boarding charges, specialist expenses, specialist expenses, anesthetist, and so on.
  • The strategy pays for all the childcare operations
  • Out-patient costs including clinical discussion and indicative energizes are covered to as far as possible
  • Individual Mishap Cover is likewise given under this star mediclaim wellbeing strategy

Exclusions of Star Diabetes Safe Insurance Policy

If you’re a person with diabetes, you know that your health is important. That’s why it’s important to have a good diabetes safe insurance policy in place. But what’s an insurance policy, and what are the exclusions? In this blog post, we’ll answer these questions and more. We’ll also provide a list of the best diabetes safe insurance policies out there, so you can find one that fits your needs. Thanks for reading!

  • Prior ailments until fruition of the holding up period
  • Any surface level or plastic medical procedure except if it is a piece of the therapy
  • Dubious clinical medicines
  • Side effects emerging out of liquor and chronic drug use
  • Routine clinical examination isn’t covered
  • Side effects emerging out of liquor utilization and medication glut
  • Star health care coverage plans don’t cover orientation change a medical procedure
  • Any misfortune or harm emerging because of self-incurred wounds and self-destructive endeavors can’t be asserted
  • Occurrences connected with break of direct or regulation, war, wrongdoing, utilization of weapons, and so forth are not covered

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Cancellation Star Family Delite Insurance Plan

To drop your Star wellbeing diabetes safe insurance contract, you want to illuminate the back up plan by allowing a 15 days’ notification to have the money in question returned. The pace of premium that is discounted is settled based on the strategy term and premium installment recurrence. Recorded underneath is for one-year approach term:

Period on risk Rate of Premium to be retained by the insurer
1 month 22.5% of the annual premium
1 month to 3 months 37.5% of the annual premium
3 months to 6 months 57.5% of the annual premium
6 months to 9 months 80 % of the annual premium
Exceeding 9 months Full annual premium

Benefits Star Health and Allied Insurance Family Delite Policy

Do you have a family and need health insurance? If so, then you’ll want to consider the benefits of the Star Health and Allied Insurance Family Delite Policy. This policy provides a variety of benefits, including health insurance, life insurance, accident insurance, and more. So if you’re looking for comprehensive coverage for your loved ones, then the Star Health and Allied Insurance Family Delite Policy is a great option to consider.

Buying health insurance is indeed a prudent decision.


At the point when you get confessed to an emergency clinic for the treatment of a physical issue or a disease for 24 hours or more, the strategy would cover

  • Room lease, boarding and nursing at the pace of 1% total protected each day
  • ICU charges at the pace of 1.5% of the total protected
  • Charges of the Specialist, Experts, Trained professionals and Anesthetist
  • Blood, oxygen, sedation, cost of speed makes, OT charges, medications and prescriptions
  • Rescue vehicle Charges (if there should be an occurrence of a crisis) up to INR 1,500 for every strategy residency
  • Costs on Current medicines are exposed as far as possible
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Treatment-related expenses made 30 days before the date of hospitalization are covered under the  Family Delite Policy

Post Hospitalization

7% of the treatment-related expenses (except the room rent) up to INR 5,000 made till 60 days after the date of discharge is covered under the Family Delite Policy

Premium Details Star Health and Allied Insurance Family Delite Policy –

This policy includes emergency room, doctor’s office, inpatient hospitalization, primary care, prescription drugs, specialist care, dental care, and vision care. Plus, it has additional coverage that includes transportation to and from the hospital, follow-up care after hospitalization, and more!

Here are the estimated premium details of a non-smoker male, his wife and 2 children –

Age of the Policyholder Sum Insured INR 2 lakhs Sum Insured INR 3 lakhs
25 years 5,310 5,664
35 years 5,310 5,664
45 years  5,990 6,608
55 years  9,322 10,738
60 years 10,738 13,086

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What is not covered Star Health and Allied Insurance Family Delite Policy?

Are you curious about what is not covered by your Star Health and Allied Insurance Family Delite Policy? Wondering if any of the extras your policy offers are applicable to you and your family? In this post, we will answer all of these questions and more. We will also provide a comparison of the Family Delite policies

offered by different insurance companies so that you can get the best deal for you and your loved ones. Stay safe and read on to learn more!

  • Previous sicknesses (PED) are prohibited until 4 years of persistent of sans break strategy inclusion and indicated illnesses have a holding up time of 2 years
  • Treatment of any disease inside the initial 30 days of strategy buy is avoided except if it emerges because of a unintentional physical issue
  • Demonstrative costs that are irrelevant to the ongoing treatment
  • Custodial consideration that is either at home or at a nursing office
  • Treatment required due to cooperation in experience sports
  • Treatment required due to a malevolent/unlawful action
  • Hospitalization for Restoration and Reprieve care and not getting treatment
  • Careful treatment of heftiness (under unambiguous circumstances)

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General Details Star Health and Allied Insurance Family Delite Policy-

  • Prior Infections The previous sicknesses or ailments are covered after break-free4 long stretches of ceaseless strategy inclusion
  • Pre-Acknowledgment Clinical Screening – Individuals over 50 years old should go through a Pre-Acknowledgment Clinical screening at a medical services place suggested by the organization. The expense of the screening is borne with the organization, gave the arrangement is bought
  • Tax cuts
    The superior that is paid towards this strategy is qualified for an expense derivation under the Personal Duty Act, Segment 80D. However, recollect, that assuming you pay the exceptional through cash, you wouldn’t have the option to guarantee the tax reductions
  • Free Look Period
    After the acquisition of the strategy, in the event that you feel unsatisfied with the agreements of the strategy, you have a period of 15 days to drop the approach. On the off chance that you have not made any case during this period, you will have a fair amount of money returned of the superior that you paid after a derivation of the costs for the pre-strategy clinical check-ups, stamp obligations and a proportionate sum as the gamble premium
  • Scratch-off of the Strategy
    If you have any desire to drop the strategy, you really want to allow a 15 days notice recorded as a hard copy. It ought to be noticed that after a case has been made, a strategy can’t be dropped

The refund will be made in the following way:

Period on Risk Rate of Premium to be Retained
1 month ⅓ of Annual Premium
Up to 3 months ½ of Annual Premium
Up to 6 months ¾ of Annual Premium
After 6 months Full Annual Premium

Star Health and Allied Insurance Family Delite Policy-Renewal Process

Except if because of a misrepresentation or error in the interest of the guaranteed individual, the organization will concede the solicitation of Recharging. Nonetheless, there are a couple of things which you ought to keep in mind at the hour of recharging

  • In the event that not done inside the 30-day effortlessness period, the approach will end naturally
  • Make a point to enroll a solicitation and pay the recharging sum before the strategy terminates
  • You can not benefit a cover during the effortlessness time frame
  • Stacking doesn’t make a difference a recharging in view of the singular case history

Star Health and Allied Insurance Family Delite Policy – Eligibility

If you’re looking for a comprehensive guide to understanding health and Allied insurance products, you’ve come to the right place. In this article, we’ll be discussing the Star Health and Allied Insurance Family Delite policy – eligibility. We’ll cover what it is, what it covers, how to buy it, and more. So if you’re curious about this policy or any other health and Allied insurance products, be sure to read on!

Entry age Adults – 18 years to 65 years
Dependent child – 5 months to 25 years
Maximum coverage age None. Coverage is allowed lifelong
Sum Insured       INR 2 lakhs and INR 3 lakhs

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Star Health and Allied Insurance Family Delite Policy – Claim Process

Star Wellbeing and Unified Insurance Agency settle the cases straightforwardly, without including an Outsider Chairman, making the case settlement process fast and bother free. In the event of an arranged hospitalization, illuminate the organization 1-2 days ahead of time. In the event of a crisis, make a point to do as such in the initial 24 hours of hospitalization. Call client care to enlist your solicitation. You might approach 1800 425 2255/1800 102 4477.

There are two ways in which a claim can be made:

Cashless Claims

As the name recommends, in a credit only case you want not pay the costs, up till the total safeguarded, from your pocket. In any case, this office is accessible just at the organization medical clinics.
Your strategy papers contain a rundown of the multitude of medical clinics that have a restrict with the insurance agency, and you should know about the clinics that fall in your space. Realizing about these clinics will assist you with contacting them if there should be an occurrence of a crisis hospitalization rapidly. Visit the organization site: to see the rundown of organization medical clinics.

To make a cashless claim at a  network hospital, follow these steps:

  • On arriving at the medical clinic, you want to create the Organization gave Client ID card
  • Get the pre-authorization structure from the Assistance Work area, fill it and resubmit there alongside the records (recorded beneath)
  • The emergency clinic will get the marks of the expected power and send the structure to the organization
  • The organization will then handle the solicitation according to the agreements.

Reimbursement Claims

For certain reasons, on the off chance that you were unable to go to an organization emergency clinic for treatment, you would need to make every one of the installments front and center and afterward you can demand for the repayment from an insurance agency.
The time limit for filing a Reimbursement Claim:

Type of Reimbursement Claim  Prescribed Time 



The claim has to be filed within a period of 15 days from the discharge date
      Post-Hospitalisation 15 days after the completion of 60 days from discharge date

Documents Needed for the Claim

In the event of a credit only case, when the insurance agency gives the authorization, it will settle every one of the bills with the emergency clinic itself. However, for Repayment, you would be expected to create all the treatment-related archives. Nonetheless, it is suggested that you keep every one of the reports convenient in the two strategies.

  • The case structure, filled and marked
  • Specialist’s reference letter which exhorts hospitalization
  • Pre-hospitalization treatment-related bills and receipts
  • Specialist’s solutions which prompt medications or analytic tests
  • Unique doctor’s visit expenses from the emergency clinic and the drug store
  • Unique reports of symptomatic tests
  • Unique rescue vehicle receipt
  • Police FIR or Medico-Legitimate Testament if there should arise an occurrence of inadvertent wounds
  • Whatever other report which is required by the insurance agency

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Star Health and Allied Insurance –  Cashless Hospital Network

Star Wellbeing and Partnered Protection have an organization of north of 9900 emergency clinics all around the country. In an organization medical clinic, you can make a credit only case of the costs, up to your base total protected. Hospitalization in an organization emergency clinic ends up being extremely simple and inconvenience free as it saves you from the going around of raising assets for the treatment. As opposed to agonizing over the bills, you can focus on your or your relative’s treatment.

Star Health and Allied Insurance – Customer Care Details

If you’re having trouble with your insurance or have any other questions, don’t hesitate to reach out to Star Health and Allied Insurance. They’re dedicated to helping their customers out, and they’re always happy to help. Here are some customer care details that will help you get in touch with them.

Star Health and Allied Insurance provide the following ways of contacting the company for your queries or complaints.

Official Website
Email ID
Phone numbers 1800 425 2255

1800 102 4477

Fax Number 044-28260062
Company Address  No. 1, New Tank Street,
Valluvarkottam High Road, Nungambakkam,Chennai – 600034

Star Health and Allied Insurance Family Delite Policy – Reviews

Coronavirus has changed the viewpoint of many individuals towards health care coverage. However it has forever been a shrewd choice, many individuals feel that they are exceptionally fit and nothing out of sorts can at any point happen to them. While it is ideal to think decidedly, not being ready for a health related crisis can place you in an exceptionally difficult situation.

Star Wellbeing and Unified Insurance Family Delite Contract is a modest and simple health care coverage plan that allows you to hold yourself and your family under a defensive safeguard. By putting resources into the Family Delite Strategy you can save yourself from such countless concerns and aggravation that might be caused. The strategy will cover the costs that would be caused in light of a physical issue, a sickness or an illness.

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