Star Classic Group Policy

In today’s era, securing the health and well-being of employees has become a critical aspect for any responsible employer. Among the diverse health policies available, Star Health’s Star Classic Group Health Policy stands out as an exceptional and distinct offering. This policy not only ensures genuine protection for employees but also comes at highly reasonable pricing, making it an attractive option for employers seeking authentic coverage for their workforce.

This policy is exclusively designed to cover employees, offering a wide array of benefits at affordable prices. It extends cashless treatment facilities during health emergencies and enables employers to genuinely protect their employees’ well-being. Every business person must consider this policy owing to its cost-effectiveness and comprehensive coverage.

Key Features of the Star Classic Group Health Policy

• Age Consideration: This policy covers individuals from 18 to 65 years of age, including employees’ children aged from 91 days to 25 years.
• Coverage Range: Starting from ₹1 lakh, the policy offers coverage options up to ₹15 lakhs, with various sum insured levels available.
• Room Limit: The policy includes room limits, with higher coverage available for ICU room expenses, ensuring comprehensive coverage.
• Cashless Hospitalization: During emergencies, the policy covers up to ₹15 lakhs in medical expenses incurred 30 days before hospitalization.
• Specific Diseases: Certain specific diseases like Cataracts, Hernia, Piles, Joint replacement, etc., are covered after a waiting period of 2 years.
• Pre-Existing Conditions: Existing conditions such as BP, Diabetes, Asthma, Thyroid, etc., are covered after a waiting period of 4 years.
• Patient Care Rider: An additional rider for patient care is available at an extra premium, ensuring better coverage.

Premium Rates for the Policy

The premium rates for the Star Classic Group Health Policy are notably competitive. For instance:

• For coverage of ₹5 lakhs, the premium for individuals aged 35 years comes to around ₹2205 (excluding GST).
• For the age group of 36-45 years, the premium for the same coverage increases to ₹3085 (excluding GST).
• Similarly, for coverage of ₹10 lakhs, the premium for the age group of 46-50 years is around ₹5050.

Conclusion

In essence, Star Health’s Star Classic Group Health Policy emerges as a highly beneficial option for employers looking to safeguard their employees’ health. With its extensive coverage, reasonable pricing, cashless facilities, and wide network of hospitals, this policy stands as a beacon of comprehensive employee welfare.