Planning to buy Star Health Insurance Policy? 9 Reasons to Buy it Online

Undoubtedly health insurance has become an absolute necessity. The cost of healthcare and medical treatments is rising day by day and due to the Coronavirus pandemic, it has become all the more expensive.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
7.7 crore
Registered consumers
53
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      Taking treatment in private hospitals is quite an expensive affair. The cost of hospital rooms, doctor consultation, medication, operation fees, and hospitalization treatment is exorbitant for the quality services and infrastructure offered by them. Considering this, a medical insurance policy has become the need of the hour.

      But should you buy it online or offline? If you are planning to buy a Star health insurance policy, let’s discuss why it makes more sense to buy it online, especially during the COVID-19 outbreak.

      Online vs. offline Health Insurance

      Everything around us is going digital, and insurance is no exception. We like the whole ball of wax on our fingertips, whether it is about searching the best health insurance plan, getting insurance quotations over email, making payment and even renewing our insurance policies online for that matter.

      Amid the growing number of online customers, there are a lot of people who are still apprehensive about purchasing an insurance policy online. All those who are in a fix, hope this will help you out -

      Benefits of Purchasing Star Health Insurance Plans Online

      Easy To Compare Star Health Insurance Plans

      You can check which plan is offering maximum coverage, the appropriate sum insured options at an affordable premium and select the one that serves your purpose. Even customizations are possible. You can select a Star health insurance plan as per your requirement be it-  Star senior citizen health plan, Individual or family floater health plan, Star health insurance for cancer, COVID insurance, insurance for autism, etc.  This way you can compare how these Star health insurance plans differ from each other and what suits you best.

      Transparency

      When buying star health insurance online, you can go to the company’s website and download their policy documents. It is easier to understand the policy features and exclusions. You can even save it on your system for future reference, thus reducing the chances of being misled.  Quite the reverse, when purchasing offline, there is always a chance for your agent to manipulate you.

      Make an Informed Decision

      You can check the claim settlement ratio, list of network hospitals, number of policies issued, etc. when buying it online.  It will ensure if the insurance company will be able to settle the claim or not. Once assured, you can enjoy your peace of mind.

      When buying it offline, you are dependent on the insurance agent to furnish true statistics about the claim settlement ratio of their insurance company, and their authenticity is always questionable.

      Rider Benefits

      Star health insurance plans offer a range of rider benefits like accidental death cover, critical illness cover, OPD cover and maternity coverage in the basic plan. You can easily opt for these additional coverage benefits online by paying an extra amount of premium.

      Hassle-free Online Renewal

      Online health insurance renewal ensures that you are updated timely and your policy doesn’t lapse due to any delays from your end. These days, every one prefers to go for online renewal facility. Following the social distancing norms and COVID-19 risk, nobody wants to meet an agent in person to get their health insurance policy renewed. When you can renew it online and save both time and effort.

      There is more flexibility in terms of payment and other procedures. You can also switch from your previous health insurance provider. Moreover, while switching the insurer there is no waiting period. IRDAI guidelines, a customer has the right to be granted permission for insurance probability.

      The Cost Factor

      Online health insurance policies are 20 to 30 % cheaper as compared to their offline counterparts. Because the commission charged by insurance agents is eliminated. 

      Flexibility

      There is more flexibility when you purchase Star health insurance online and you can choose from a wider range of options.  You do your own research online, which leaves no scope of you being misled by an agent. While purchasing a health insurance policy online you can compare various plans that the insurer is offering.

      Policy Reviews 

      Customer reviews on our website and Star Health Insurance Company’s website can help you understand the market presence of the insurance company and their. You can keep a print out with you for future reference. The insurer will also give username and password. You can log in to your account and check all the requirements and details.

      Easy to Access

      As compared to insurance agents, health insurance companies functioning online are accessible to their customers 24*7.  You can always reach out to their customer care team to address your concerns.

      Already, buoyed by demand, health insurance companies are expanding their online product bouquet for the above-mentioned reasons.

      Clearly, online purchase is a more convenient option. Taking into account the lower cost of premiums, easy policy comparison, higher sum insured, and flexibility in applying an application are some of the major positive factors for online health insurance plans.

      Final word

      Buying a Star health insurance policy online can save you from the stress, anxiety and financial burden that come from these medical emergencies. Not everyone has good bank balance or liquid cash to meet these emergencies. To avail the benefits of policy its renewal is also important. Look for online renewal/ purchase of your insurance policy to save your time and have a valid health insurance cover, for you and your family.

      book-home-visit
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more
      29 Jul 2024

      Modern Treatments in Health Insurance

      Modern treatments have transformed the healthcare industry with

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL