How to File a Claim With Star Health Insurance?

How to File a Star Health Insurance Claim?

There are two ways to file a claim under your Star health insurance policy:

1. Cashless Claims - Under cashless claims, the Star Health and Allied Insurance Company will pay your medical bill amount directly to the hospital.
2. Reimbursement Claims - In case of reimbursement claims, you will have to pay the full hospital bill out-of-pocket during discharge and get it reimbursed by the insurer later.

Previously, cashless treatment could be obtained only at a network hospital of the Star Health & Allied Insurance Company. But with the introduction of the 'Cashless Everywhere' facility, you can get cashless treatment at both network and non-network hospitals. However, the claim must be notified at least 48 hours before a planned hospitalization and within 24 hours of an emergency hospitalization. The acceptance of the cashless claim in a non-network hospital is subject to terms and conditions. 

If the cashless facility is not available in a non-network hospital or your cashless claim is rejected, you can opt for the Star health insurance reimbursement claim.

How to File a Star Health Insurance Claim Online with Policybazaar?

Customers of Policybazaar.com can get in touch with their claim support team to raise a Star health insurance claim online By following the steps given below:

Step 1: Intimate Policybazaar's claim support team about your hospitalization at the earliest. You can call at 1800-258-5881 or send an email to care@policybazaar.com.

Step 2: You can also log in to Policybazaar.com and click on the 'File a New Claim' option under the 'Claim' tab.

Step 3: Select 'Health Insurance' and enter your registered mobile number with OTP to log in.

Step 4: Choose the Star health insurance policy with which you want to file a claim and click on the 'File a Claim' option.

Step 5: Provide the requested details, and your claim will be successfully filed. 

Policybazaar will coordinate with Star Health and Allied Insurance Company on your behalf.

How to Claim Star Health Insurance?

Take a look at the process to file cashless and reimbursement claims with Star Health and Allied Insurance Company Limited below:

1. Star Health Insurance Cashless Claim Process:

   The process to file a cashless claim with Star Health Insurance is given below:

   Step 1: Inform the Insurer

   Inform Star Health and Allied Insurance Company about your hospitalization that has led to a claim. In case of a planned hospitalization, inform the insurer 48 hours in advance, whereas in case of unplanned or emergency hospitalization, inform them within 24 hours. You can either write an email or call the customer care team on the toll-free number.

   Step 2: Show the Necessary Documents

   Approach the insurance desk at the hospital and present your Star Health ID card for identity purposes.

   Step 3: Submit Pre-Authorization Form

   Fill out the pre-authorization form and submit it with the doctor's consultation papers at the hospital. The hospital will send your pre-authorization form to Star Health and Allied Insurance Company.

   Step 4: Claim Processing

   The insurer will verify the documents and, accordingly, process the cashless treatment.

   Step 5: Claim Settlement

   Once your treatment is completed, the hospital will share the bills with the insurer. The in-house claims team of the insurer will authorize the payment and pay the claim amount directly to the hospital.

2. Star Health Insurance Reimbursement Claim Process:

   Check out the steps to file a reimbursement claim with Star Health Insurance below:

   Step 1: Intimate the Insurance Company

   Notify Star Health & Allied Insurance Company about your hospital admission within 24 hours of an emergency and at least 48 hours before a planned treatment. You can inform the insurer about your hospitalization by calling on the insurer's toll-free number or applying directly through the WhatsApp number, the Star Health app or the website.

   Step 2: Pay All the Bills

   Obtain the treatment and pay all the medical & hospital bills while getting discharged.

   Step 3: Collect Medical Documents, Bills & Receipts

   Before leaving the hospital, collect all the medical documents, bills and payment receipts.

   Step 4: Fill Out the Claim Form

   Download the Star health insurance claim form from the insurer's official website and fill it out accurately.

   Step 5: Submit the Documents to the Insurer

   Submit the duly filled Star health insurance claim form along with other required documents to the insurance company within 15 days of getting discharged from the hospital. You can either upload it to their customer portal or submit it to the nearest branch office. Make sure to keep a copy of all the submitted documents.

   Step 6: Claim Settlement

   The Star Health & Allied Insurance Company will review all the documents and pay you the claim amount.

Documents Required to File a Star Health Insurance Claim

Here is a list of documents that must be submitted to raise a Star health insurance reimbursement claim:

• Duly filled out Star health insurance claim form, including contact number, email id and present address
• Original hospital bills and payment receipts
• Original hospital discharge certificate/card
• Original chemist bills with supporting prescriptions
• Investigation test reports along with doctor's note prescribing the test and their payment receipts
• Treating doctor's certificate
• Surgeon's note describing the nature of the operation
• Surgeon's bill and payment receipts
• FIR/MLC/Self-declaration (for accident cases)
• NEFT and KYC details