What is the Star Health Insurance Premium Chart?
The Star Health Insurance Premium Chart shows how your premium is calculated based on your age, sum insured, city (zone), and policy type. It helps you estimate your cost, compare plans, and make informed coverage decisions.
You can access the official Star Health Insurance Premium Chart PDF on the insurer’s website for a detailed age-wise and plan-wise breakdown.
Introduction
Have you ever noticed that your Star Health Insurance premium is different from someone else’s, even if both of you have similar plans? This happens because factors such as your age, medical history, and place of residence influence the final premium you pay. Star Health uses these details to calculate premiums fairly for every customer.
At Ditto, we simplify these details so that you can easily understand what affects your premium and make better decisions about your health coverage.
In this guide, you will learn:
- How to download the Star Health Insurance Premium Chart PDF
- Steps to calculate your premium online
- The main factors that determine your premium amount
If you need help choosing the right policy, feel free to book a call at a convenient time. No spam. Just honest insurance advice.
How to Calculate Star Health Insurance Premiums Online?
Here’s how you can do it step-by-step.
Step 1: Visit starhealth.in, and scroll down to the Health Insurance Premium Calculator under the Resources section.
Step 2: You will be redirected to the Health Insurance Premium Calculator Online page. Enter your basic details such as name, contact number, and pincode, then click “View Plan.”
Step 3: Complete the OTP verification and view a list of Star Health plans with estimated premiums. Choose the plan that fits your needs and proceed to payment.
The above premium example is calculated for a 30-year-old male living in New Delhi, with a ₹15 lakh sum insured and no add-ons.
Note: IRDAI requires all insurers to publish policy details and premium rates online. Any additional charges must be disclosed and approved before the policy is issued.
Factors Affecting Star Health Insurance Premium
Age
Older individuals pay higher premiums due to increased health risks. Buying early helps you save in the long run.
Sum Insured
Higher coverage means a higher premium since it offers more financial protection.
Pre-existing Conditions
If you already have health issues like diabetes or high blood pressure, your premium may be slightly higher.
Type of Policy
Family floater plans are usually more cost-effective than separate individual policies.
Add-ons
Optional benefits like maternity cover, room rent waiver, or critical illness riders increase premiums but add extra security.
Lifestyle Habits
Smoking, drinking, or an unhealthy lifestyle can lead to higher premiums.
Is Star Health Insurance the right pick for your health needs? Find out in this quick read.
Star Health Insurance’s Zone-Based Premium System
Star Health follows a three-zone structure to price its plans fairly across regions:
Note: Even if you live in Zone 2 or 3, consider choosing Zone 1 pricing to ensure coverage for treatment in major metro hospitals without paying extra co-payments.
Star Health Insurance Premium Chart PDF
Premium charts are frequently updated to reflect changes in pricing and inflation, which can make manual calculations tricky. For accuracy, it’s recommended to use the online calculator available on the insurer’s website.
This premium illustration below shows how Star Health Super Star calculates premiums for different age groups. Each row represents a specific age band and the corresponding annual premium for a ₹10 lakh sum insured.
How to Read the Chart: Each row shows the age group, coverage amount, and corresponding annual premium. As age or coverage increases, so does the premium.
Age-Wise Star Health Insurance Premium Chart
Age bands help insurers group policyholders by risk level and determine fair pricing. These categories are essential because age directly impacts life expectancy, health risks, and the chances of making a claim.
Here’s a sample from the Star Health Insurance Super Star Plan premium chart (Zone A) displaying age-wise annual premiums for ₹10 lakh coverage with a gradual increase across age bands.
Note: The premium may vary depending on add-ons or health conditions.
Star Health Insurance Premium Chart for Family Floater Plans
Below is an example of the approximate yearly premiums for the Star Health Insurance Super Star Plan for a ₹10 lakh family floater (Zone 1, metro city) without any add-ons.
Note: These are estimated premiums based on Star Health’s family floater rates. The actual amount may vary depending on your city, medical history, and chosen add-ons.
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Final Thoughts
Downloading the Star Health Insurance Premium Chart PDF and checking your coverage is easy. But when it comes to safeguarding your health and finances, numbers alone don’t tell the full story.
That’s where Ditto can help. We take the time to understand your needs and recommend only those policies that truly meet our six-point evaluation framework.
Frequently Asked Questions (FAQs)
Does the Star Health insurance premium go up every year, based on the chart?
Generally, yes. If you move into a higher age band, change the sum insured, or shift zones, your premium will increase. Also, insurers can revise premium rates (with regulatory approval) to reflect medical inflation.
Why is my premium different from someone else’s in the Star Health chart?
Because premiums depend on multiple variables like age, sum insured, city category (zone), family members covered, and optional riders. Even for the same plan, two people may pay different premiums based on these factors.
Are add-ons or riders included in the premium chart?
No. The base premium chart covers the core policy only. Add-ons such as room rent waiver, daily cash benefit, or critical illness rider are charged separately and shown during the online premium calculation.
What happens if I miss renewing my Star Health policy on time?
If your policy lapses, you typically get a 15-30 day grace period to renew it without losing continuity benefits. However, coverage for claims is paused until renewal is completed, so timely renewal is strongly advised.
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