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Star Health Insurance Premium Calculator helps a customer to compute the premium amount for a range of its health insurance plans. For calculating, one must provide necessary details such as age, name, the sum assured, and other details as asked by the calculator. The calculator finds the annual premium amount of a plan that one wants to buy. There are also options available to calculate the premium annually or monthly basis.
Star Health Insurance Premium Calculator is an online premium computation tool that facilitates customers in zeroing on a particular plan after calculation of the premium amount that needs to be paid for the Star Health insurance plan.
The calculator will compute the basic premium to be paid based on the user's entry details. One thing that must be noted here is that the sum insured and the number of members to be mentioned in the calculator must be exact and not approximate. Approximate information will give a rough premium amount, and it will vary greatly when one pays the actual premium to Star Health Insurer.
To calculate the best estimate of the premium amount with efficiency, the Star Health Insurance Premium Calculator requires some simple details. The details required are:
Before choosing a Star Health Insurance policy, one must predetermine the premium amount to be paid for every insurance policy. It is a bothersome and difficult task to check every plan and calculate its premium amount. The Star Health Insurance Premium Calculator can simplify this task.
A premium amount is a very important thing that needs to be considered before buying an insurance plan. Various factors determine this amount. The factors that affect the premium of State Health Insurance plans are:
Customers with pre-existing medical illness need to pay a higher premium amount as they have a higher chance of claiming the policy as compared to a person with no medical history of pre-existing illness.
Although an individual health plan is cheaper than a family health insurance plan, for those who want to cover for the whole family, the family floater plan is more cost-effective when compared to the single individual plan. Before buying a policy, a detailed analysis must be done according to the needs of the family.
Gender is an important factor in a health insurance plan. Unlike life insurance plans, females get a higher premium rate compared to males in case of health insurance plans.
The customer's age plays a key role in deciding the premiums in a health insurance plan. An older person is more likely to get ill.
This is the most important factor in deciding the premium amount. Higher the sum assured, the higher the premiums.
A non-smoker has fewer chances of contracting a disease than a smoker; thus, it reduces the scope of a claim. So, non-smokers get lower premium rates.
Star health insurance premiums can be calculated through aggregator websites such as Paisawiki.com as well. It is an easy way to get the exact amount to be paid. Here is a step-by-step guide for using the health insurance premium calculator of Paisawiki. The steps are given below, which will help in using the calculator effectively. The simplistic way to use the tool helps people calculate the premium efficiently.
When using the premium calculator, it is advised to pay attention to some details in mind to avoid problems later. They are:
The final value can be different as it is calculated after analyzing the risks by the policyholder.
Some of the advantages of using a premium calculator are:
Ans: The maximum count of people that can be covered under a single family health insurance plan is 6, which is 2 adults and 4 children or 4 adults and 2 children. So the following combination is applicable: Self, spouse, 2 children and 2 parents or Self, spouse, and 4 children.
Ans: Star Health Insurance has various plans, including individual health policies, personal accident plans, and overseas mediclaim plans. Apart from health plans, there are health plans for senior citizens and travel insurance plans available.
Ans: By creating an account on the Star Health Insurance website, one can get different types of discounts, rebates, and bonuses. One can get notifications for the renewal of the policy.