Star Package - A 360 Degree Protection Plan

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Key Features

  • Unique package policy with multiple benefits
  • In house health admin team
  • Free look-up period of 15 days
  • Also includes householder content cover*
  • Quick claim settlement

Star Package Health Insurance Plan

Star Package policy is a unique family floater policy that protects your family against various risks and contingencies. It provides a gamut of covers for various health risks, household contents, education grant, travel baggage and public liability all under a single policy

The death, injury or sickness of the breadwinner, or indeed, any family member can create serious financial problems for your family. Star Package insures you against these circumstances.

Tax Exemption

Tax exemption under Section 80D on premium paid upto Rs.100,000/- p.a.

What is Covered?

It is a unique product wich provides coverage under 8 sections:

Health Guard: This section protects you and your family in case of serious accident or major illness, by providing cashless benefit and medical reimbursement for hospital expenses.

Hospital Cash: Hospital cash guards you and your family against the trauma that you face because of increased financial burdens during hospitalization. The section provides cash benefits for each day (24 hours) of hospitalization to meet the resulting expenses.

Critical Illness: A lump-sum amount will be given to the insured once he/she is diagnosed with a critical illness. Donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid from the amount received under this cover.

Personal Accident: The section provides coverage against accidental death, Permanent Total Disability (PTD), Permanent Partial Disability (PPD) and Temporary Total Disability (TTD) to the insured person.

Education Grant: In case of an accidental death or PTD of the insured person, the sum insured as per this section in the schedule, would be payable towards continuing the education of the deceased's surviving child/children.

Household Contents: Under this section, the insured will be covered for the losses incurred due to an actual or attempted burglary or housebreaking.

Travelling Baggage: This section will cover your personal baggage while travelling anywhere in India, with respect to accidental loss, destruction of, and damage caused to personal baggage.

Public Liability: This section protects you against legal liability for bodily injury or damage to property of a third party.

* You must opt for a minimum of any three coverages from the list given above.

  • This section covers all medical expenses incurred during hospitalization.
  • Pre and post-hospitalization expenses will be covered under this section (60 and 90 days respectively).
  • Ambulance charges of Rs.1000 will be covered per hospitalization.
  • Free health check-up after 4 claim-free years.
  • Income tax benefit up to Rs.35000 can be availed under Section 80D of the Income Tax Act.
  • This section gives daily allowance for miscellaneous expenses.
  • The cover available under this section is Rs.500/Rs.1000/Rs.2000/Rs.2500 per day for every 24-hour hospitalization.
  • 30 days of hospitalization period is covered during a year( The amount of cover is doubled for a maximum of 7 days if the customer is admitted in ICU).
  • For example: if a customer gets admitted in hospital for 10 days and the hospital cash cover is Rs.500 per day, then the customer will get Rs.5000 from Bajaj Allianz through cheque after getting discharged from the hospital.
  • This cover is applicable even if the spouse or children are hospitalized.
  • This cover can be taken according to your monthly income/IT Returns in case of business.

The following critical illnesses will be covered under this section:

  • Cancer
  • Coronary Artery Bypass Surgery
  • First Heart Attack (Myocardial Infraction)
  • Kidney Failure
  • Major Organ Transplant
  • Stroke
  • Aorta Graft Surgery
  • Paralysis
  • Primary Pulmonary Arterial
  • Neuro Surgery
  • Joint Replacement surgery
  • Multiple Sclerosis


  • The benefit amount is payable once the disease is diagnosed, meeting specific criteria as defined in the policy, and if the insured person survives for 30 days after the diagnosis.
  • The amount is given as a lump-sum, so that the insured can plan the treatment accordingly.
  • The benefit amount is payable once the disease is diagnosed.
  • Accidental Death.
  • Accidental Permanent Total Disability.
  • Accidental Permanent Partial Disability.
  • Temporary Total Disability.
  • This section offers a payment to the assignee in case of accidental death or permanent total disability of the policholder.
  • The amount would be payable towards continuing the education of the deceased's surviving children.

This section covers loss or damage to the household property due to:

  • Fire
  • Lightning
  • Explosion and implosion
  • Act of God perils
  • Strike, riots and malicious damage.
  • Impact damage.
  • Aircraft damage
  • Missile testing
  • Leakage of automatic sprinkler system
  • Landslide, rockslide and subsidence
  • Bush fire
  • Earthquake
  • Any accidental loss or damage to personal baggage while travelling anywhere in the world is covered under this section.
  • This section covers the insured against any legal liability due to bodily injury and property damage to third party. The policy covers legal liability resulting in financial burdens.

Sectional Discounts

  • You can save 10% on your premium amount, if you opt for 4 or more coverages
  • You can save 10% on your premium amount, if you opt for 4 or more coverages
  • 15% discount if more than 6 sections selected

Not Sure?

Call us now at 1800-209-0144(toll-free) and we will explain all the salient features of the plan to you.

Am I Eligible for It?

  • Entry age for all coverages is restricted from 18 years to 65 years for self-proposers.
  • Children aged between 3 months to 5 years can be covered along with both the parents.
  • Children aged between 6 years to 25 years can be covered if one of the parents is covered.

Long Term Discounts

  • You can save 10% on your premium amount if you take the policy for 2 years.
  • You can save 15% on your premium amount if you take the policy for 3 years.


  • Pre-existing diseases and related complications.
  • Hospitalization within 30 days from the commencement of the policy.
  • Treatments arising from or traceable to pregnancy and childbirth including Caesarean section.
  • Surgery and dental treatments are not covered, except in case of accident and requiring hospitalization.
  • Natural perils like avalanche, earthquake, volcanic eruptions or any kind of natural hazard.
  • Accidents due to drunk driving.
  • A waiting period of 4 years will be applicable for pre-existing diseases.
  • Diseases such as hernia, piles, sinusitis, cataract (liablity of cataract surgery - 10% of SI with a minimum of Rs.12000/- or actuals, maximum up to Rs.35000/-) shall be covered after awaiting period of 2 years. Non-allopathic medicine, congenital diseases, all expenses arising from AIDS, cosmetic and aesthetic treatments, treatment due to addiction to intoxicating drugs/alcohol will not be covered. Joint replacement surgery (other than due to accidents) will have a waiting period of 4 years.
  • Any critical illness for which treatment was recommended or advice given before thestart of the policy, and any illness diagnosed within 90 days from the commencement of the policy.
  • Suicide, self-inflicted injury, pre-existing physical or mental defects,alcoholism, influence of drugs, etc.
  • Theft from car except from fully enclosed saloon cars having all the doors, windows and other openings securely locked. Loss by any carrier under contract and loss of money, securities, gold and silver ornaments, travel tickets, cheques, drafts, jewellery, share certificates, and articles of consumable nature.
  • Any liability towards the insured that is out of the bounds of the policy agreement, such as liability arising from deliberate or wilful or international noncompliance with any statutory provision, or connected with fines/penalties in connection with any motor vehicle, watercraft, hovercraft or spacecraft.


Multi purpose Star Package Health policy - Review by The Economic Times. More...

* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.

The above brochure is applicable for policies in-force from 1 October 2013 onwards. Customers with policies dated 30 September 2013 and before, please click here