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Health Insurance Star Package - A 360 Degree Protection PlanA wholesome protection plan

One-stop insurance solution for you and your family

What’s in it for you?

In-house claim settlement

Covers household contents

Free lookup period of 15 days

Why choose Bajaj Allianz Star Package?

Nowadays, we have to protect ourselves in every way possible and the best way to do so is by opting for a good insurance policy. A health insurance policy provides complete protection against the financial burden of medical expenses. Similarly, we safeguard our home with the help of a home insurance plan, and the list goes on.

However, instead of all these multiple policies, what if there was one policy that would provide all levels of protection; from health to home and more?

We, at Bajaj Allianz General Insurance, have designed one such comprehensive insurance plan - Star Package. This is a unique family floater policy that protects you and your family against various risks and emergencies. It provides a gamut of covers for various health risks, household contents, education grant, and baggage during travel and public liability, all under one umbrella. We understand that the death, injury or sickness of a sole earning member or any family member can create serious financial problems for your family. Star Package insures you against these circumstances and offers overall protection.

We offer a whole lot when it comes to Star Package policy

Key Features

Star Package is an insurance policy that ensures overall protection with its myriad features:

  • Health guard

    This policy protects you and your family in case of a serious accident or any major illness by providing a cashless benefit and medical reimbursement for hospital expenses.

  • Critical illness cover

    In case you are diagnosed with a critical illness, a lump sum amount will be paid to you. Donor expenses in a transplant surgery that are not covered under a regular health insurance policy can be paid from the amount received under this cover.

  • Children education benefit

    In case of your death or permanent total disability, we will continue paying the sum insured towards your children’s education as per your policy.

  • Personal accident cover

    This policy provides coverage against death, permanent total disability (PTD), permanent partial disability (PPD) and temporary total disability (TTD).

  • Renewability

    You can renew your Star Package policy for your entire lifetime.

  • Hospital cash

    Hospital cash benefit guards you and your family from increased expenses that you may face due to hospitalisation. We provide cash benefits for each day of hospitalisation to ease the burden of such expenses.

  • Household content cover

    You will be covered for losses incurred due to an actual or attempted burglary or a case of house break-in.

  • Public liability cover

    This cover protects you against legal liability for bodily injury or damage to a third-party property.

  • Baggage cover

    Covers your personal baggage against accidental loss, and destruction and damage while travelling anywhere in India.

  • Covers pre and post hospitalisation expenses

    This policy covers medical expenses 60 days immediately before and 90 days immediately after hospitalisation.

Watch this video to learn how one insurance plan offers complete protection.

Video

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

Claim by Direct Click (CDC)

Bajaj Allianz General Insurance has introduced an app based claim submission process known as Health Claim by Direct Click.

This facility allows you to register and submit claim documents through the app itself for claims up to Rs 20,000.

What you need to do:

  • Register your policy and card number in the Insurance Wallet App.
  • Register your policy and health card number in the app.
  • Register the claim.
  • Fill the claim form and arrange for the hospital-related documents.
  • Upload the documents using the app menu.
  • Submit the claims for further processing.
  • Get confirmation within a few hours.
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Cashless claim process (Only applicable for treatment at a network hospital)

Cashless facility at network hospitals is available 24x7, throughout the year without any interruption in service. Hospitals that provide cashless settlement are liable to change their policy without notice. Therefore, you must check the hospital list before getting admitted. The updated list is available on our website and with our call centre. Bajaj Allianz Health Card along with a government ID proof is mandatory at the time of availing cashless facility.

When you are opting for cashless claims, the process is as follows:

  • Get the pre-authorisation request form at the hospital’s insurance desk.
  • Fill and sign it and have the treating doctor/hospital sign it too.
  • The network hospital will fax the request to HAT.
  • HAT doctors will examine the pre-authorisation request form and decide on cashless availability, as per the policy guidelines.
  • Authorisation letter/denial letter/additional requirement letter is issued within 3 hours depending on the plan and its benefits.
  • At the time of discharge, the hospital will share the final bill and discharge details with HAT and based on their assessment, final settlement will be processed.

Important points to note

  • In case of planned hospitalisation, register/reserve your admission as per the network hospital’s procedure for admission in advance.
  • Admission at network hospital is subject to availability of a bed.
  • Cashless facility is always subject to your policy terms and conditions.
  • The policy does not cover the following : Telephone Food and beverages for relatives Toiletries The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
  • The cost of the above services have to be borne by you and paid directly to the hospital before discharge.
  • In-room rent nursing charges are included. However, if a higher room is used then the incremental charges will be borne by you.
  • In case the treatment is not covered as per the policy terms and conditions, your claim- cashless or reimbursement, will be denied.
  • In case of inadequate medical information, pre authorisation for cashless claim can be denied.
  • The denial of cashless facility does not mean denial of treatment and does not in any way prevent you from seeking necessary medical attention or hospitalisation.

Reimbursement of pre/post hospitalisation expenses:

Relevant medical expenses incurred before admission and after discharge from the hospital will be reimbursed as per the policy. Prescriptions and bills/receipts of such services should be submitted to Bajaj Allianz General Insurance along with the duly signed claim form.

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Reimbursement claim process (in case of a non-network hospital)

  • Inform the Bajaj Allianz General Insurance HAT about the hospitalisation. To register your claim online click here To register your claim offline, please call us on our toll-free number: 1800-209-5858.
  • After discharge, you or a member of your family must submit the following documents to HAT within 30 days: Duly filled and signed claim form with mobile number and email ID. Original hospital bill and payment receipt. Investigation report. Discharge card. Prescriptions. Bills of medicines and surgical items. Details of pre hospitalisation expenses (if any). In-patient papers, if required.
  • All documents to be sent to the HAT for further processing and based on the assessment, the final settlement will be done within 10 working days.
  • Post hospitalisation claim documents must be sent within 90 days from the date of discharge.

Documents required for reimbursement claim:

  • Original pre-numbered hospital payment receipt duly sealed and signed.
  • Original prescriptions and pharmacy bills.
  • Original consultation papers (if any).
  • Original investigation and diagnostic reports along with original bills and payment receipt for the investigation done within and outside the hospital.
  • If you availed a cashless claim but did not utilise it, a letter from the hospital stating so.
  • A letter from the treating doctor mentioning incident details (in case of an accident).
  • Hospital registration certificate and hospital infrastructure on the letterhead.
  • A cancelled cheque bearing IFSC code and name of the insured.
  • Indoor case paper copy attested from the hospital from the date of admission to the date of discharge with detailed medical history and doctor’s notes with temperature, pulse and respiration charts.
  • X-ray films (in case of a fracture).
  • Obstetric history from treating doctor (in maternity cases).
  • FIR copy (in accident case).
  • Additional requirements for some special cases: In case of a cataract operation, lens sticker with a bill copy. In case of a surgery, implant sticker with a bill copy. In case of a heart-related treatment, stent sticker with a bill copy.

For hospital cash section:

  • A duly completed claim form signed by the claimant.
  • A copy of the hospital discharge summary/certificate.
  • A copy of the hospital bill.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For health guard section:

  • First consultation letter from the doctor.
  • Duly completed claim form and NEFT form signed by the claimant.
  • Original hospital discharge card.
  • Original hospital bill giving detailed break-up of all expense heads mentioned in the bill. Clear break-ups have to be mentioned for OT charges, doctor’s consultation and visit charges, OT consumables, transfusions, room rent, etc.
  • Original money receipt duly signed with a revenue stamp.
  • All laboratory and diagnostic test reports, for example, X-ray, ECG, USG, and MRI scan, haemogram, etc.
  • In case of a cataract operation, IOL sticker is required.
  • In case of fracture cases, implant invoice or sticker is required.
  • Other documents as may be required by Bajaj Allianz General Insurance to process the claim.
  • A copy of your Aadhaar card or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For accident and education grant section:

  • Duly completed personal accident claim form signed by the nominee.
  • Attested copy of FIR/Panchanama/Inquest Panchanama.
  • A copy of address proof (ration card or electricity bill copy).
  • Legal heir certificate containing an affidavit and indemnity bond both duly signed by all legal heirs and notarised (if nominee name is not mentioned on policy schedule).
  • Attested copy of the death certificate.
  • Attested copy of the statement of witness, if any lodged with police authorities.
  • Attested copy of the post-mortem report (if performed).
  • Attested copy of the viscera report, if any.
  • Photo identity proof.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For critical illness section:

  • Duly completed personal accident claim form signed by the nominee.
  • Attested copy of FIR/Panchanama/Inquest Panchanama.
  • A copy of address proof (ration card or electricity bill copy).
  • Legal heir certificate containing an affidavit and indemnity bond both duly signed by all legal heirs and notarised (if nominee name is not mentioned on policy schedule).
  • Attested copy of the death certificate.
  • Attested copy of the statement of witness, if any lodged with police authorities.
  • Attested copy of the post-mortem report (if performed).
  • Attested copy of the viscera report, if any.
  • Photo identity proof.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For health guard section:

  • First consultation letter from the doctor.
  • Duly completed claim form and NEFT form signed by the claimant.
  • Original hospital discharge card.
  • Original hospital bill giving detailed break-up of all expense heads mentioned in the bill. Clear break-ups have to be mentioned for OT charges, doctor’s consultation and visit charges, OT consumables, transfusions, room rent, etc.
  • Original money receipt duly signed with a revenue stamp.
  • All laboratory and diagnostic test reports, for example, X-ray, ECG, USG, and MRI scan, haemogram, etc.
  • In case of a cataract operation, IOL sticker is required.
  • In case of fracture cases, implant invoice or sticker is required.
  • Other documents as may be required by Bajaj Allianz General Insurance to process the claim.
  • A copy of your Aadhaar card or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For accident and education grant section:

  • Duly completed personal accident claim form signed by the nominee.
  • Attested copy of FIR/Panchanama/Inquest Panchanama.
  • A copy of address proof (ration card or electricity bill copy).
  • Legal heir certificate containing an affidavit and indemnity bond both duly signed by all legal heirs and notarised (if nominee name is not mentioned on policy schedule).
  • Attested copy of the death certificate.
  • Attested copy of the statement of witness, if any lodged with police authorities.
  • Attested copy of the post-mortem report (if performed).
  • Attested copy of the viscera report, if any.
  • Photo identity proof.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For critical illness section:

  • Duly completed personal accident claim form signed by the nominee.
  • Attested copy of FIR/Panchanama/Inquest Panchanama.
  • A copy of address proof (ration card or electricity bill copy).
  • Legal heir certificate containing an affidavit and indemnity bond both duly signed by all legal heirs and notarised (if nominee name is not mentioned on policy schedule).
  • Attested copy of the death certificate.
  • Attested copy of the statement of witness, if any lodged with police authorities.
  • Attested copy of the post-mortem report (if performed).
  • Attested copy of the viscera report, if any.
  • Photo identity proof.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For permanent partial/total disability section:

  • Duly completed personal accident claim form signed by the insured.
  • Attested copy of the disability certificate from certified civil surgeon of a government hospital stating percentage of disability.
  • Attested copy of FIR (if required).
  • All X-ray/investigation reports and films supporting the disability.
  • A copy of your Aadhaar card, or any other government photo ID and PAN Card. This is not mandatory if your ID card is linked with the policy while issuance or in a previous claim.

For temporary disability section:

  • Duly completed personal accident claim form signed by the insured.
  • Medical fitness certificate from the treating doctor mentioning the type of disability and period of rest with date of fitness.
  • Leave certificate from the employer for disablement period.
  • Attested copy of FIR (if required).
  • All X-ray/investigation reports and films supporting the disability.
  • A copy of your Aadhaar card, or any other
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LET'S SIMPLIFY HEALTH INSURANCE

What is the entry age under Star Package policy?

The entry age for the proposer and their spouse is 18 years to 65 years. The entry age for children is 3 months to 25 years.

What is the Star Package policy period?

You can opt for this for policy for 1, 2 or 3 years and it can also be renewed for a lifetime.

Our happy customers!

Rama Anil Mate Mumbai

The online health insurance policy renewal on your website is excellent, user-friendly, and smooth.

Suresh Kadu Mumbai

Bajaj Allianz’s executive has provide an extreme support and would like to appreciate the same. Kudos.

Ajay Bindra Mumbai

Bajaj Allianz's executive very nicely elaborated the benefits of the policy. She has very good communication skills and explained very well.

One policy, complete protection!

Only plan with Health, Critical Illness and PA cover in a single policy.

That’s not all, here are additional benefits with your Star Package policyThis policy provides extensive coverage against medical emergencies and more with the following benefits:

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.* Read more

Tax saving

Avail income tax benefit under Section 80D of the Income Tax Act.*

*On opting for Star Package policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000. As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens.  If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

Discount up to 30%

Avail sectional and long-term discounts. Read more

Discount up to 30%

Avail sectional and long-term discounts. 

I. Section discounts:

a) 10% discount applicable if 4 or 5 sections are opted.

b) 15% discount applicable if 6 to 8 sections are opted.

 

II. Long-term policy discount:

a) 10% discount is applicable if policy is opted for 2 years.

b) 15% discount is applicable if policy is opted for 3 years.

Hassle-free claim settlement

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Read more

Hassle-free claim settlement

Our in-house claim settlement team ensures a quick, smooth and easy claim settlement process. Also, we offer cashless claim settlement at more than 6,500+ network hospitals across India. This comes in handy in case of hospitalisation or treatment wherein we take care of paying the bills directly to the network hospital and you can focus on recovering and getting back on your feet.

Policy can be opted for a tenure of 1, 2 or 3 years.

Important points to note before buying Star Package Insurance

  • Inclusions
  • Exclusions

Critical illnesses

Covers against life threatening conditions and diseases.

Accidental injury/death

Provides financial cover in case of death, PTD, PPD or TTD caused due to an accident.

Children education benefit

Provides children education bonus to up to 2 children in case of death/disability caused due to an accident.

Household contents

Covers your house items and collectibles against burglary or theft.

Personal baggage

Covers loss and damage to your baggage while travelling anywhere in India.

Public liability cover

Covers you against legal liability for bodily injury or damage to a third-party property.

Hospital expenses

Covers medical expenses incurred due to hospitalisation.

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Pre-existing diseases and related complications.
Hospitalisation within 30 days from policy issuance.
Treatments arising from or traceable to pregnancy and childbirth including caesarean section.
Surgery and dental treatments are not covered, except in case of an accident and requiring hospitalisation.

Medical expenses due to natural calamities like avalanches, earthquakes, volcanic eruptions and more.

Accidents due to drunk driving.
A waiting period of 4 years will be applicable for pre-existing diseases.
Diseases such as a hernia, piles, sinusitis, and cataract shall be covered after a waiting period of 2 years.

Non-allopathic medicines, congenital diseases, all expenses arising from AIDS, cosmetic and aesthetic...

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Non-allopathic medicines, 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 was given before...

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Any critical illness for which treatment was recommended or advice was given before the start of the policy, and any illness diagnosed within 90 days from the commencement of the policy.

Suicide, self-inflicted injury and pre-existing physical or mental defects.

Theft from a car except, fully enclosed saloon cars having all the doors, windows and other openings securely locked. 

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Theft from a car except, fully enclosed saloon cars having all the doors, windows and other openings securely locked. A 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 bounds of the policy agreement, such as liability....

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Any liability towards the insured that is out of 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.

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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