Star Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Star Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Star Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Star Health policy
- The network hospital will send the hospital bill to Star Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Star Health about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About Star Health Insurance
Star Health Insurance plans are provided by Star Health and Allied Insurance Co. Ltd., which started as a joint enterprise with Allied Insurance in 2006. They offer a wide range of health insurance plans that cover hospitalization expenses, medical check-ups, critical illnesses, maternity expenses, AYUSH treatments, OPD treatments, ambulance charges, second medical opinion, etc.
Types of Star Health Insurance Plans
Star Family Health Optima is a family health insurance plan that provides coverage to all family members under a single sum insured. One of the major benefits of this plan is that it offers coverage to a newborn baby from the16th day onwards.
Features and Benefits:
- In-patient hospitalization, domiciliary hospitalization and AYUSH treatments are covered
- Assisted reproduction treatment, newborn baby cover and share accommodation benefit are available
- Organ donor expenses, pre-post hospitalization charges and road ambulance charges are covered
- Emergency domestic medical evacuation, compassionate travel and repatriation of mortal remains are available
- Second medical opinion, modern treatments and day care procedures are covered
- Recharge benefit, additional sum insured for road traffic accidents, health check-up benefit and automatic restoration of the sum insured are available
Star Senior Citizens Red Carpet is a senior citizen health insurance policy designed especially for senior citizens aged 60 years and above. The plan does not require elderly people to appear for a pre-policy medical screening.
Features and Benefits:
- Coverage for in-patient hospitalization, OPD consultations and AYUSH treatments are available
- Modern treatments, ambulance expenses and pre-post-hospitalization expenses are covered
- Second medical opinion, compassionate travel and repatriation of mortal remains are available
- Day care procedures and health check-up expenses are covered
The Star Comprehensive Insurance plan provides extensive health cover to individuals and families between the age group of 3 months and 65 years.
Features and Benefits:
- In-patient hospitalization, pre-hospitalization and post-hospitalization expenses are covered
- Maternity benefit, hospital cash benefit and personal accident cover are available
- AYUSH treatments, OPD treatments and second medical opinion are covered
- Health check-up benefit, bariatric surgery, and air ambulance are available
- Outpatient dental & ophthalmic treatment, domiciliary hospitalization, and modern treatments are covered
The Star Smart Health Pro plan has been designed to provide comprehensive coverage against a wide range of medical expenses at an affordable price.
Features and Benefits:
- Coverage for hospitalization expenses, home care treatment and Domiciliary hospitalization are available
- Newborn baby expenses, modern treatments and AYUSH treatments are covered
- Annual health check-ups, automatic restoration of sum insured and Star wellness program are available
- Road ambulance, air ambulance and day care procedures are covered
- Optional covers, such as consumables cover, cumulative bonus booster, unlimited restoration of sum insured and reduction of PED waiting period, etc., are available
- No pre-acceptance medical screening is required
The Young Star Insurance policy has been designed to specially cover the health needs of people up to the age of 40 years. Moreover, this plan is available in two variants i.e. Silver and Gold.
Features & Benefits:
- In-patient hospitalization, AYUSH treatments and day care procedures are covered
- E-medical opinion, health check-up benefit and additional sum insured for road traffic accidents are available
- Modern treatments, emergency road ambulance and pre-post hospitalization expenses are covered
- Star wellness program, automatic restoration of sum insured and cumulative bonus are available
- Delivery expenses cover and hospital cash benefit is available only under the Gold plan
- Young Star Extra Protect add-on cover is also available
- No pre-acceptance medical screening is required
Star Super Surplus Insurance is a top-up health insurance plan that can be used to extend coverage over and above the existing health plan. Besides, the plan comes in two variants – Silver & Gold and is available on both individual and floater sum insured basis.
Features and Benefits:
- Coverage for in-patient treatment, modern treatments and day care procedures are available
- Air ambulance charges, road ambulance expenses and organ donor expenses are covered
- Maternity cover, e-medical opinion, recharge benefit and wellness services are available
- No pre-acceptance medical screening is required
Star Health Assure Insurance provides comprehensive coverage for a variety of healthcare expenses, including treatment for chronic severe refractory asthma.
Features and Benefits:
- In-patient care, AYUSH treatment, home care treatment and domiciliary hospitalization are covered
- Coverage for chronic severe refractory asthma treatment and non-medical items are available
- Delivery expenses, in utero fetal surgery, assisted reproduction treatment and newborn baby expenses are covered
- Second medical opinion, shared accommodation benefit and compassionate travel are available
- Modern treatment, ambulance charges and pre-post hospitalization expenses are covered
- Annual health check-up assure, cumulative bonus and automatic restoration of the sum insured are available
- No pre-acceptance medical screening is required
Star Critical Illness Multipay Insurance is a critical illness insurance policy designed to provide coverage for 37 listed critical illnesses, including open chest CABG, cancer, stroke, liver failure, etc.
Features and Benefits:
- Lump sum bene fit for 37 listed major illnesses
- Star wellness program is available, comprising of the chronic condition management program, medical concierge services, virtual consultation services, etc.
- No pre-policy medical screening is required for up to 50 years
Star Women Care Insurance is a women health insurance policy tailored to the health needs of women at different stages of their life. It provides coverage to pregnant women, surrogate mothers and oocyte donors.
Features and Benefits:
- Coverage for delivery expenses, newborn baby expenses and ante-natal care are available
- Assisted reproduction treatment, in utero fetal surgery/repair and accidental miscarriage are covered
- Voluntary sterilization, Star mother cover, surrogacy cover and oocyte donor cover are available
- Hospitalization expenses, non-medical expenses, OPD consultations and ambulance charges are covered
- Bariatric surgery, shared accommodation benefit and pain & rehabilitation program are available
- Automatic restoration of sum insured, preventive health check-ups and the Star Wellness program are available
- Lump sum cancer benefit is available as an optional cover
- No pre-acceptance medical screening is required
The Star Health Premier Insurance plan provides comprehensive coverage for medical expenses incurred by individuals and families due to illness or injury.
Features and Benefits:
- In-patient treatment, OPD treatment and home care treatment are covered
- Consumables cover, hospice care and pain & rehabilitation are available
- Bariatric surgery, AYUSH treatment and domiciliary hospitalization are covered
- Health check-up benefit, cumulative bonus and restoration of the sum insured are available
- Modern treatments, day care procedures and pre-post hospitalization expenses are covered
- No pre-acceptance medical screening is required
Star MediClassic Health Insurance covers hospitalization expenses incurred by individuals on any illness/disease or injury.
Features & Benefits:
- Hospitalization expenses, modern treatments and domiciliary hospitalization are covered
- Coverage for psychiatric and psychosomatic disorders, cataract surgery and newborn baby expenses are available
- Non-allopathic treatments, ambulance charges and organ donor expenses are covered
- Shared accommodation benefit and additional sum insured for road traffic accidents are available
- Super restoration, health check-up benefit and automatic restoration of the sum insured are available
- Hospital cash benefit and patient care are available as optional covers
Star Health Gain Insurance provides coverage for hospitalization expenses along with outpatient benefits.
Features and Benefits:
- Coverage for both in-patient treatment and outpatient treatments are available
- Modern treatments, cataract surgery, ambulance charges and pre-post hospitalization expenses are covered
Star Diabetes Safe Insurance is a diabetes health insurance policy designed to provide optimal coverage to people suffering from diabetes. It covers both Type 1 and Type 2 diabetes along with related complications.
Features and Benefits:
- Hospitalization expenses, outpatient expenses, and modern treatments are covered
- Dialysis cover, organ donor cover, cataract surgery cover and personal accident cover are available
- Cost of artificial limbs, pre-post-hospitalization and ambulance services is covered
Star Cardiac Care Insurance has been designed for people with existing cardiac diseases within the age group of 10 years and 65 years. The applicants do not need to undergo any pre-medical screening to get covered under this health insurance for heart patients.
Features and Benefits:
- Coverage for in-patient hospitalization expenses, outpatient expenses, and cataract treatments are available
- Day care treatments, modern treatments and pre-post hospitalization expenses are covered
- Personal accident cover and emergency ambulance cover are also available
Star Cardiac Care Insurance Platinum plan is designed to cover existing heart patients with people who have undergone a cardiac surgery.
Features and Benefits:
- Hospitalization expenses, modern treatments and heart transplantation costs are covered
- Coverage for conventional coronary angiogram tests and cardiac devices are available
- OPD expenses, day care procedures and emergency ambulance charges are covered
- E-medical opinion, rehabilitation & pain management and health check-up benefit are available
- Automatic restoration of sum insured and cumulative bonus are available
- No pre-acceptance medical screening is required
The Star Net Plus plan provides coverage to people diagnosed with HIV AIDS. This health insurance for HIV patients reimburses the medical expenses as well as offers a lump sum benefit on the diagnosis of HIV AIDS.
Features and Benefits:
- Coverage for hospitalization expenses, modern treatments and AYUSH treatments are available
- Ambulance charges, pre-hospitalization and post-hospitalization costs are covered
- Lump sum benefit for HIV AIDS is available
Star Cancer Care Platinum Insurance is a cancer insurance plan that provides coverage to existing cancer patients.
Features and Benefits:
- Hospitalization expenses, modern treatments and day care procedures are covered
- Hospice care, rehabilitation and pain management and medical second opinions are available
- Cost of health check-ups, cataract treatment and emergency ambulance services is covered
- Cumulative bonus and wellness services are also available
- Lump sum cover for cancer is available as an optional cover
- No pre-acceptance medical screening is required
The Star Special Care plan is specifically designed to provide coverage to children suffering with Autism Spectrum Disorder.
Features & Benefits:
- Coverage for in-patient hospitalization and pre-post hospitalization expenses are available
- Modern treatments, day care procedures and ambulance charges are covered
- No pre-acceptance medical screening is required
Star Special Care Gold is a customized plan designed to cover people with disabilities, mental illnesses and HIV AIDS.
Features & Benefits:
- In-patient treatment, AYUSH treatment and modern treatments are covered
- Lump sum coverage for HIV/ AIDS are available
- Day care procedures, cataract surgery and ambulance charges are covered
- No pre-acceptance medical screening is required
The Star Outpatient Care Insurance plan has been designed to cover the costs incurred on outpatient consultations by individuals as well as the entire family. It comes in three plan variants i.e. Silver, Gold and Platinum.
Features & Benefits:
- Coverage for outpatient consultations at both allopathic hospitals and AYUSH hospitals are available
- Cost of diagnostics, physiotherapy and pharmacy is covered
- Outpatient dental or ophthalmic treatment expenses arising out of accidental injuries are covered
Star Health Arogya Sanjeevani Policy is a simple health insurance policy with a comprehensive range of coverage benefits.
Features & Benefits:
- In-patient hospitalization, AYUSH treatments and day care procedures are covered
- Coverage for cataract surgery, ambulance services and pre-post hospitalization are available
- 12 modern treatments, including oral chemotherapy and stem cell therapy, are covered
- Cumulative bonus of up to 50% is available
Star Hospital Cash Insurance plan enables the policyholder to receive a daily cash allowance for day-to-day hospital expenses. This plan is available in two variants – Basic and Enhanced plan.
Features & Benefits:
- Sickness Hospital Cash, ICU Hospital Cash and Accident Hospital Cash are available
- Convalescence Hospital Cash, Worldwide Hospital Cash and Child Birth Hospital Cash are available under the Enhanced plan only
Star Accident Care Individual Insurance is a personal accident insurance policy designed to cover people against accidental injuries, death and disability.
Features & Benefits:
- Lump sum compensation is available in case of accidental death, permanent disability and temporary total disability
- Cost of transporting imported medicines, purchasing blood and transporting one relative is covered
- Educational grant, vehicle/residence modification cover and ambulance cover are available
- Transportation expenses of mortal remains and cumulative bonus are also available
- Medical expenses extension, hospital cash, home convalescence and winter sports cover are available as optional covers
Key Benefits of Star Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search Star Health Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a Star health insurance claim:
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Claim FormDuly filled and signed Star health insurance claim form
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Health Card/Policy CopyHealth card or a copy of Star health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsMedical test and investigation reports with payment receipts, Surgeon's bills and payment receipts
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KYC DocumentsNEFT and KYC details
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Legal DocumentsFIR/Self-declaration/ Medico Legal Certificate (MLC) in case of an accidental hospitalization
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a Star Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred Star health insurance policy and pay the premium online
The process to renew a Star Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the Star health insurance policy you want to renew and pay the premium online
Take a look at the Star Health Insurance contact number below:
| Categories | Contact Details |
|---|---|
| Customer Care No. | 044 6900 6900 (For policy purchase) |
| Customer Care Toll-free No. | 1800 425 2255 (For purchase) 1800 102 4477 (For renewals) |
| Senior Citizen Helpline No. | 044 4002 0888 |
| Customer Grievance No. | 044 4366 4600 044 6900 7900 (For senior citizens) |
| Whatsapp No. | +91 95976 52225 |
| Customer Care Email ID | support@starhealth.in |
Star Health Insurance: FAQs
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Q.1 Which diseases are covered in Star Health Insurance?
Ans: The following diseases are covered by Star Health Insurance plans:
- Diabetes
- Cancer
- Heart diseases
- Autism
- COVID-19
- Genetic Disorder
- HIV/AIDS
- Infertility
- Dengue
- Thyroid
- Tuberculosis
- Malaria
- Critical illnesses like stroke, Alzheimer's Disease, etc.
- Congenital internal disorder
- Hernia
- Piles
- Cataract
- Sinusitis
- Fistula
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Q2. Is MRI scan covered by Star health insurance?
Ans: Yes. Star health insurance covers the cost of an MRI scan, depending on your policy terms and conditions.
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Q3. How to check the Star Health Insurance policy claim status?
Ans: You can contact Star health insurance customer care to know the current status of your claim. Alternatively, you can check the claim status of your Star health policy online by following the steps given below:
- Visit the official website of the Star Health & Allied Insurance Company.
- Under the 'Claims' tab, hit the 'Claim Status' button.
- Enter your Star Health Insurance policy number, Health ID card number or claim intimation number, and hit the 'get claim status' button.
- The current status of your claim will be displayed on the screen.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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