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  • Indiafirst Star First Combi Plans

    Life Insurance
    • Premiums as low as Rs.17/day for sum assured of Rs.1 crore*
    • Claim up to Rs. 1,50,000 deduction under section 80C**
    • Choose between annual and monthly premium payment options

    To offer both life and health insurance coverage to individuals and families, IndiaFirst Life Insurance Company Ltd. and Star Health and Allied Insurance Company Ltd have worked together to offer its customers the Star First Combi Plans. The Star First Combi has five listed plans - StarFirst Optima, StarFirst Delite, StarFirst Classic, StarFirst Care, and StarFirst Comprehensive.

    Features and benefits of the Star First Combi Plans

    Listed below are some of the features and benefits of the Star First Combi Plans.

    • No pre-policy health checkup for candidates below the age of 50 years.
    • Sum assured between Rs.1 lakh to Rs.15 lakh for health insurance.
    • Sum assured between Rs.3 lakh and Rs.9 lakh for life insurance plans.
    • No-claim bonus on all plans.
    • Policyholders can purchase the plans online and can also choose the premium frequency.
    • Individuals can protect their entire family with the life and health insurance plans.
    • Tax benefits under Section 80D and Section 80C are available.
    • Star First has a network of more than 6,000 hospitals across the country where customers can avail the benefit of cashless hospitalisation.
    • Quick and hassle-free claim settlement.

    List of Star First Combi Plans

    Listed below are the life and health insurance Star First Combi Plans.

    Star First Delite

    Offered at an affordable premium, the Star First Delite offers customers with coverage for pre-hospitalisation and post-hospitalisation, day care coverage for specific conditions and the sum assured on a floater basis. Customers can insure themselves and their entire family with the Star First Delite.

    Features and benefits of the Star First Delite:

    • Customers need to be between the age of 18 or 65 when applying for the health benefits.
    • For the life insurance benefits, customers need to be between the age of 18 to 60 years old.
    • The dependents of the policyholder should be between 5 months to 25 years to be eligible for the life and health insurance benefits.
    • Hospitalisation cover provided the patient is admitted for a minimum of 24 hours.
    • Lump sum payout in the case of post-hospitalisation.
    • Coverage for specific day-care procedures and diseases.
    • Coverage for emergency transportation and ambulance.
    • No health checkup for candidates below the age of 50 years.
    • Policyholders are granted a free-look period of 15 days. If they disagree with any of the terms and conditions of the policy, they can return the policy and receive a refund for the premium.
    • Policyholders are granted tax benefits under Section 80C and Section 80D of the Income Tax Act, 1968.

    Star First Care

    Policyholders can opt for an individual or a family floater coverage with the Star First Care. The Star First Care offers individuals with the benefit of hospital cash if treated at a government hospital, cover for both pre-hospitalisation and post-hospitalisation expenses and a lump sum payout of the sum assured to the nominee in case of untimely death of the policyholder.

    Features and benefits of the Star First Care

    • Customers need to be between the age of 18 or 65 when applying for the health benefits.
    • For the life insurance benefits, customers need to be between the age of 18 to 60 years old.
    • No pre-policy check up for candidates below the age of 50 years.
    • Room, nursing or boarding expenses up to Rs.750 or 0.75% of the sum assured.
    • Coverage of pre-hospitalisation expenses up to 30 days and post-hospitalisation up to 60 days.
    • Benefit of hospital cash up to Rs.1,000 for a maximum of 14 days.
    • Coverage of pre-existing diseases after 48 months of being enrolled in the plan.
    • Coverage for more than 405 day care procedures.
    • Policyholders are granted a free-look period of 15 days.
    • Tax benefits under Section 80C and Section 80D of the Income Tax Act, 1968.

    Star First Comprehensive

    Offered for both individuals and families, the Star First Comprehensive coverage offers coverage for pre-hospitalisation and post-hospitalisation, coverage for emergency transportation, and accidental death or disability cover. In case of untimely death of the policyholder, the nominee is liable to the entire sum assured at that point.

    Features and benefits of the Star First Comprehensive:

    • Customers need to be between the age of 18 or 65 when applying for the health benefits.
    • For the life insurance benefits, customers need to be between the age of 18 to 60 years old.
    • Dependents can be anywhere between 3 years and 25 years to receive all benefits.
    • No limit on the cost of room rent and cost of listed treatments.
    • Complete coverage for Bariatric surgical procedures up to Rs.2.5 lakh.
    • Free health check-up for every three claim-free years.
    • Maternity coverage including in the case of caesarean delivery.
    • Cashless hospitalisation cover provided that the patient is admitted for a minimum of 24 hours.
    • Coverage of pre-hospitalisation for 30 days and post-hospitalisation for 60 days.
    • Domiciliary coverage if hospitalisation exceeds 3 days.
    • Coverage for accidental death. The nominee is liable to the the sum assured at that point.
    • 100% restoration of sum assured once exhausted due to an illness or treatment during the policy period.
    • No pre-policy health check up for candidates below the age of 50 years.
    • Tax benefits under Section 80C and Section 80D of the Income Tax Act, 1968.
    • Co-payment option available for health insurance only.
    • Policyholders are granted a free-look period of 15 days. If he/she disagrees with the terms and conditions of the policy, or if the policy does not suit their needs, the policy can be returned during the free-look period. This is applicable for both the life and health insurance policies.

    Star First Classic

    The Star First Classic comes with the benefit of coverage for 101 day care procedures, free health check up worth Rs.5,000 for every four claim-free years, cashless hospitalisation at more than 7,000 network hospitals.

    Features and benefits of the Star First Classic:

    • Customers need to be between the age of 18 or 65 when applying for the health benefits.
    • For the life insurance benefits, customers need to be between the age of 18 to 60 years old.
    • Coverage for hospitalisation expenses provided the patient is admitted for more than 24 hours.
    • Coverage for pre-existing diseases after 48 months of holding the policy.
    • 5% no-claim bonus subject to maximum of 25%.
    • Restoration of sum assured up to 200% once during the policy period.
    • The nominee is liable to the sum assured following the death of the policyholder for the life insurance plan.
    • The Star First Classic comes with the benefit of hospitalisation cash.
    • No pre-policy health check up for candidates below the age of 50 years.
    • Co-payment option for health insurance plans only.
    • Policyholders can avail tax benefits under Section 80C and Section 80D of the Income Tax Act, 1968.
    • Free-look period for both health and life insurance policies for 15 from the commencement of the policy. If the policyholder disagrees with the policy, he/she can return the policy and receive a refund for the premium paid.

    Star First Optima Insurance Policy

    Offering both health and life insurance benefits in one plan, the Star First Optima Insurance Policy comes with benefits such as coverage for pre-hospitalisation and post-hospitalisation, recharge of sum assured and a accidental death lump sum payout to the nominee for the life insurance plan.

    • Customers need to be between the age of 18 or 65 when applying for the health benefits. Dependents as young as 16 days old to 25 years old can enjoy all the benefits of the plan.
    • For the life into surance benefits, customers need to be between the age of 18 to 60 years old.
    • 100% restoration of sum assured during the policy tenure in cases where the sum assured is Rs.3 lakh.
    • Hospitalisation cover for patients admitted for more than 24 hours.
    • Pre-hospitalisation cover for 30 days and post-hospitalisation cover for 60 days.
    • Coverage for ambulance or emergency transportation.
    • Only candidates above 50 years of age are required to undergo a pre-acceptance medical screening.
    • Policyholders can avail tax benefits under Section 80C and Section 80D of the Income Tax Act, 1968.
    • Policyholders are granted a free-look period of 15 days from the commencement of the policy. The policy can be returned if he/she disagrees with the terms and conditions of the policy.

    Why you need the Star First Combi Plans?

    A joint venture between Star Health Insurance and IndiaFirst Life Insurance, the Star Health Combi Plans that offer the benefit of both health insurance and life insurance under one umbrella. With any of the plans, policyholders can insure themselves and their entire family and avail tax benefits, coverage for certain diseases and so on. Policyholders can also avail the benefit of cashless hospitalisation for the Star First Combi Plans at more than 5,000 network hospitals across the country.