Star Health & Allied Insurance

Star Health Insurance Advisor in Visakhapatnam

Health cover chosen for how your family actually lives

RGIS has advised Star Health policyholders since 2020. Below are three plans clients ask about most — each explained plainly, with a way to ask a follow-up question directly.

Why go through an advisor rather than an app

As a health insurance advisor in Visakhapatnam, RGIS has watched Star Health plans differ mainly in who they're built for — young families planning ahead, people managing an existing condition, or women who want maternity and women-specific cover included by default. RGIS helps match the plan to the person, and stays involved at renewal and claim time, not just at sign-up.

Family protected under a Star Health insurance plan
Individual & family floater

Star Health Assure

A broad, 360-degree policy for individuals and families — covers self, spouse, children, and parents on one floater sum insured, with sum insured options from ₹5 lakh up to ₹2 crore. Well suited to young couples: a newly married spouse or newborn can be added mid-term for an extra premium.

Mother holding her newborn's hand, covered under Star Health Assure
  • Unlimited automatic restoration of the sum insured within a policy year, for related and unrelated illnesses alike
  • Cumulative bonus that can raise the sum insured by up to 100% over claim-free years
  • Maternity, newborn and assisted-reproduction cover, plus in-utero fetal surgery for complex pregnancies
  • Home care treatment and free annual health check-ups
  • Up to 20% wellness discount on renewal for policyholders who stay active on the Star Wellness programme
  • No pre-medical check-up required to buy the policy

Good fit if

You want one comprehensive floater policy that can grow with a young family, without worrying about the sum insured running out after one large claim.

Ask about Assure
For long-term, flexible cover

Star Health Super Star

Built for people who want cover that adapts over decades rather than one policy year — including the option to cover existing hypertension or diabetes from early in the policy, under specific add-ons.

Three generations of a family covered under Star Health Super Star
  • "Freeze your age" benefit — premiums are based on your entry age and stay level until a claim is made or you cross the plan's age threshold
  • Add-on cover for pre-existing hypertension and diabetes from day 31, instead of the usual multi-year waiting period
  • Unlimited automatic restoration of sum insured, plus a rising cumulative bonus for claim-free years
  • Choice of any hospital room category, without a room-rent sub-limit
  • More than 20 optional add-on covers, so the policy can be shaped around what you actually need
  • AI-assisted face-scan health tracking available through the Star Health app

Good fit if

You're managing a condition like hypertension or diabetes already, or simply want a plan designed to flex with add-ons as your needs change.

Ask about Super Star
Designed around women's health

Star Health Women Care

A policy built specifically for women aged 18–75, on an individual or family floater basis, with maternity and women-specific conditions covered as standard rather than as an add-on.

Mother and daughter, covered under Star Health Women Care
  • Maternity benefits covering delivery, pre- and post-natal care, and newborn cover from birth
  • Assisted reproduction treatment after a 36-month waiting period, one cycle covered per policy year
  • Cover for conditions such as infertility treatment and bariatric surgery alongside general hospitalisation
  • No sub-limits or capping on eligible claims, on either an individual or family floater basis
  • Cumulative (no-claim) bonus of 20% a year, up to 100% of the base sum insured
  • Mid-term inclusion so a newlywed spouse or newborn can be added after the policy starts

Good fit if

You want maternity and women's health cover built into the base policy, rather than negotiated separately at claim time.

Ask about Women Care

Not sure which plan fits?

Send your family size, ages and any existing conditions — RGIS will suggest a shortlist.

Already a client?

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