Star Health Insurance

Star Health and Allied Insurance Co. Ltd. started as a joint enterprise with Allied Insurance in the year 2006. Star Health Insurance offers a wide range of health insurance plans at an affordable premium. The policies cover hospitalization expenses, medical check-ups, critical illnesses, Ayurveda treatment etc. Star health insurance also offers mediclaim plan for autistic children. Star Health Insurance Company has recently introduced a pilot product to offer coverage for coronavirus patients.

Star Health Insurance Company has more than 9900+ network hospitals where the insured members can avail cashless treatment. Moreover, the insurer has a presence around the world with a widespread network of more than 340 branches. Star health insurance claim settlement ratio of 90% (F.Y. 2018-19) also backs up for its positive customer experience.

Star Health Insurance policy covers hospitalization expenses, critical illness add-ons, medical check-up costs, ambulance charges, maternity expenses, second medical opinion, organ donor cover, Ayush treatment among others. One of the major benefits is that no co-payment is required for individuals below 60 years of age.

About Star Health and Allied Company

Star Health Insurance is the first standalone insurance company in India, Star Health and Allied Insurance Company assure direct and hassle-free claim settlement facilities. Constantly ranked alongside some of India's top health insurers, Star Health and Allied Insurance Co. Ltd has been conferred with many awards and accolades.

Some of the most prominent ones are:
  • Most Promising Health Insurance Company at Healthcare Excellence Awards in 2014
  • Claims Service Company of the Year at Indian Insurance Award in 2014
  • Rated as the Best Claim Settlement Process Company by Hindustan MaRs Survey 2015
  • Health Insurance Company Of The Year at Indian Insurance Awards 2015
  • Award of Health Insurance Company of the Year 2017 - Finteleket Insurance Awards 2017

Star Health Insurance Company at a Glance

Features Specifications
Network hospitals 10200+
Claim Settled within 2 hours 90%
Pre-existing diseases waiting period 4 years
Incurred Claim Ratio* 63%
Policy Renewability Lifetime

*Incurred Claim Ratio - FY 2018-2019


Star Health Insurance Plans

Below is the comprehensive list of Star health insurance plans along with their features and coverage benefits:

  • Star Family Health Optima Insurance Plan

    Star Family Health Optima is a family floater health insurance plan that provides coverage to an individual as well as the family under a single sum insured.

    Key Features and Benefits

    • The policy provides auto-recharge up to 300% of the sum insured
    • One of the major benefits is that policy offers coverage to the newborn baby from the 16th day onwards
    • Organ transplantation expenses along with hospitalization charges, road ambulance, surgeon, doctor and anesthetist fees are covered as well
    • The plan also provides air ambulance benefit, accidental death and disability cover, out-patient dental and ophthalmic treatment cover

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 16 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 1 lakh to Rs 25 lakh

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 5 members (self, spouse and up to 3 children)

  • Star Senior Citizens Red Carpet Health Insurance Plan

    Star Senior Citizens Red Carpet policy is designed especially for senior citizens above the age of 60 years. The coverage is provided on both individual and family floater basis. The policy does not require you to appear for a pre-policy medical screening

    Key Features and Benefits

    • The policy also provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anesthetics, medication and other such related expenses
    • Modern treatment expenses are also covered under this policy
    • Moreover, the policy also covers pre-existing diseases after a waiting period of 12 months
    • Daycare procedures and organ donor expenses are covered as well

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    60 years

    Maximum Entry Age

    75 years

    Sum Insured

    Individual Policy: Rs 1 lakh to 7.5 lakh
    Floater Policy: Rs 10/ 15/ 20/ 25 lakh

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 2 members (self and spouse)

  • Star Comprehensive Health Insurance

    Star Comprehensive health insurance policy provides health cover to people between the age group of 3months and 65 years. The policy provides automatic health insurance coverage for newborn babies and also gives maternity benefits

    Key features and Benefits

    • It covers the event of a personal accident resulting in permanent disability or the sudden death without asking for an additional payment
    • Ayurveda, Unani, Siddha and Homeopathy treatments are covered as well
    • Expenses incurred on outpatient ophthalmic treatment, domiciliary hospitalization, and modern treatments can be claimed
    • 10% co-pay is applicable for people above the age of 60 years
    • The policy offers extra benefits like health checkups, Bariatric surgeries, assistance for air ambulance, and so on at no additional cost

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 3 months

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 5 lakh to Rs 1 Crore

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 5 members (self, spouse and up to 3 children)

  • Star MediClassic Health Insurance

    Star MediClassic health insurance plan covers hospitalization expenses incurred on any illness/diseases or injury. The premium can be paid in monthly, quarterly, and half-yearly installments.

    Key Features and Benefits

    • The policy provides auto-restoration up to 200% of the sum insured if exhausted (in case of the Individual plan)
    • The policy covers expenses incurred on psychiatric and psychosomatic disorder
    • Moreover, non-allopathic treatments can also be claimed

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    5 months
    Gold Plan - 16 days

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 1.5 lakh to Rs 15 lakh
    Gold Plan - Rs 3 lakh to Rs 25 lakh

    Number of Family Members Included

    Individual - 1 adult member
    Family Package Plan - 4 members (with self, spouse and up to 2 children)

  • Star Health Gain Insurance Plan

    Star Health Gain Insurance plan provides cover mediclaim to an individual along with their family.

    Key Features and Benefits

    • The policy covers people between the age group of 91days and 65 years
    • 20% co-pay is applicable on each and every claim amount
    • The policy covers expenses incurred on both inpatient and outpatient treatments
    • The amount saved from outpatient treatment is carry forwarded to the next policy year
    • Modern treatment expenses are covered as well
    • Waiting period of 30 days applies to accidental cases, 24 months to diseases/illnesses, and 48 month for pre-existing diseases

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 1 lakh to Rs 5 lakh

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 5 members (self, spouse and up to 3 children)

  • Star Super Surplus Insurance Plan

    Star Super Surplus Insurance is a top-up health plan that does not require pre-medical screening. It is suitable to extend coverage benefits over and above the existing health plan.

    Key features and Benefits

    • The policy provides coverage to individuals between the age group of 18-65 years
    • Air ambulance charges are covered as well
    • Organ donor expenses are covered as well
    • Maternity cover is also provided up to the specified limits

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Silver Plan - Rs 7 lakh to Rs 10 Lakh
    Gold Plan - Rs 5 Lakh to Rs 25 lakh

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 5 members (self, spouse and up to 3 children)

  • Star Diabetes Safe Insurance

    Star Diabetes Safe Insurance Plan is a health insurance policy for diabetes patients. It covers both Type 1 and Type 2 diabetes patients and related complications.

    Key Features and Benefits

    • The policy provides coverage for diabetes and related complications
    • Out-patient medical expenses can also be claimed
    • Personal accident compensation is provided to the insured person equal to 100% of the sum insured opted
    • Room rent, boarding, anesthesia, surgeon fees, drugs, and medicine charges can be claimed by the policyholder

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 3 lakh to Rs 10 lakh

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 2 members (self and spouse)

  • Star Cardiac Care Health Insurance

    Star Cardiac health insurance plan is designed for people with existing cardiac diseases within the age group of 10 years and 65 years. The applicants don’t need to undergo any pre-medical screening to get covered under this plan.

    Key Features and Benefits

    • The policy is available in two sum insured options i.e. Rs 3 Lakh and Rs 4 Lakh
    • It is available in two variants i.e. Silver plan and Gold plan
    • It provides coverage against heart diseases after the waiting period of 90 days
    • The policy benefits include hospitalization cover, out-patient expenses cover, personal accident cover, and cataract treatments
    • All the day care treatments are claimable under this policy

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    10 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 3 lakh and Rs 4 lakh

    Number of Family Members Included

    Individual only

  • Star Criticare Plus Health Insurance

    Star Criticare Plus Health Insurance pays in lump sum for expenses incurred on any illness/injury/accident and all the major illnesses as specified in the policy wordings. Any person who is within the age group of 18-65 years can get covered under this Star health critical illness policy.

    Key features & benefits

    • This critical Illness policy provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anesthetics, medication and other such related expenses for a minimum of 24 hours
    • The policy covers 9 critical illnesses and provides lump sum payment upon diagnosis of any critical illness
    • It covers pre-hospitalization (30 days prior to admission to the hospital) and post hospitalization expenses along with ambulance charges if any
    • This star health insurance policy provides coverage for cancer, brain tumor, chronic kidney disease, organ transplantation, coma, paraplegia, etc.

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 2 lakh to Rs 10 lakh

    Number of Family Members Included

    Individual only

  • Star Cancer Care Gold (Pilot Product)

    Cancer Care Gold (Pilot Product) is designed for people who have been diagnosed with cancer. The coverage is provided on an individual basis.

    Key Features and Benefits

    • This is the first Indian insurance plan, on a pilot basis, for the people who are affected by cancer
    • It offers cover against the risk of spreading of cancer (metastasis), recurrence of cancer, or second cancer
    • Star health insurance cancer care plan is for individuals who are diagnosed with cancer
    • No pre-acceptance medical check-up is required.

    Coverage

    A) Section 1: Offers lump sum benefits in the event of recurrence of second cancer/disease/metastasis

    B) Section 2 (Indemnity Coverage): It offers cover for interventional and surgical therapy

    C) Section3 (Indemnity Coverage): It offers cover for non-interventional and non-surgical therapy

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    5 months

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 3 lakh and Rs 5 lakh

    Number of Family Members Included

    Individual only

  • Star Special Care Insurance Policy

    Star Special Care Health Plan is specifically designed by Star Health Insurance Company for children suffering from Autism Spectrum Disorder.

    Features & Coverage

    • Parents can buy this plan for their child with special needs and be sure of getting him/her the best possible treatment.
    • Any kid between 3 years and 25 years of age and diagnosed with Autism disorder is covered.

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    3 years

    Maximum Entry Age

    25 years

    Sum Insured

    Rs 3 lakh

    Number of Family Members Included

    Individual only

  • Star Health Novel Coronavirus Insurance Policy

    Star Health Insurance Company has designed Star Novel Coronavirus insurance policy for COVID-19 positive people. The insurer pays a lump sum amount to treat hospitalization expenses. The applicants do not need to undergo medical screening before buying the policy

    Key Features and Benefits

    • Star Novel Coronavirus COVID-19 policy offers sum insured on an individual basis
    • No third-party administrator is involved, and in-house claim settlement is offered
    • The sum insured amount is paid in a lump sum upon diagnosis and hospitalization

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 3 months

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 21,000 and Rs 42,000

    Number of Family Members Included

    Individual only

  • Star Outpatient Care Health Insurance Policy

    Star Outpatient Care Health Insurance policy has been designed to cover the costs incurred on outpatient consultation by individuals as well as the entire family. It comes in three plan variants i.e. Silver, Gold and Platinum plan.

    Key Features & Benefits

    • It covers the cost of outpatient treatment taken at Ayurveda, Homeopathy, Unani, Yoga, Siddha and Naturopathy centers
    • It covers the expenses incurred on diagnostics, physiotherapy and pharmacy at any network facility of Star Health Insurance
    • It also covers any outpatient dental or ophthalmic treatment expenses arising out of accidental injuries

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 31 days

    Maximum Entry Age

    Adult - 50 years
    Children - 25 years

    Sum Insured

    Rs 25,000 to Rs 1 lakh

    Number of Family Members Included

    Individual Policy - 1 adult member
    Floater Policy - 6 family members

  • Star Health Insurance: Arogya Sanjeevani Policy

    Star Health Arogya Sanjeevani Policy is a simple health insurance policy with a comprehensive range of coverage benefits. The premium for the policy can be paid in monthly/ quarterly/ half-yearly or yearly installments.

    Key Features & Benefits

    • This policy requires applicants above the age of 50 years to go through medical screening before buying the policy
    • It covers in-patient hospitalization expenses comprising of room rent as well as ICU charges
    • In fact, the insured can file a claim for all the day care procedures
    • 12 modern treatments, including oral chemotherapy, stem cell therapy, robotic surgeries, balloon sinuplasty, bronchial thermoplastic and deep brain stimulation are covered
    • It covers the cost of in-patient treatment taken at a hospital for Ayurveda, Naturopathy, Siddha, Yoga, Unani and Homeopathy

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    3 months

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 1 lakh to Rs 10 lakh

    Number of Family Members Included

    Individual Policy - 1 adult member
    Floater Policy - 5 family members or more (self, spouse, children, parents, and parents-in-law)

  • Star Hospital Cash Insurance Policy

    Star Hospital Cash Insurance Policy 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.

    Key Features & Benefits

    • Star Hospital Cash Insurance Policy provides a lump sum benefit to the policyholder for the hospitalization period
    • It provides six types of hospital cash benefit, including Sickness Hospital Cash, Child Birth Hospital Cash, ICU Hospital Cash, Worldwide Hospital Cash, Accident Hospital Cash and Convalescence Hospital Cash
    • Convalescence Hospital Cash, Worldwide Hospital Cash and Child Birth Hospital Cash are available under the Enhanced plan only

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 1000 to Rs 5000 per day

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 5 members (self, spouse and up to 3 children)

  • Star Health Insurance: Corona Rakshak Policy

    Star Health Corona Rakshak Policy is a specialized policy for people diagnosed with COVID-19. This policy provides a lump sum benefit up to 100% of the sum insured to the insured if diagnosed with the coronavirus disease during the policy tenure.

    Features & Coverage

    • This Star health mediclaim policy provides a lump sum benefit if the insured is diagnosed with COVID-19 and requires at least 72 hours of continuous hospitalization
    • It does not require the applicant to appear for any pre-policy screening
    • The benefit will be applicable only if the insured is tested COVID positive at a government authorized Centre
    • This policy is a one-time benefit plan

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 50,000 to Rs 2.5 lakh

    Number of Family Members Included

    Individual only

  • Young Star Insurance Policy

    Young Star Insurance policy has been designed specially to cover the health needs of people up to the age of 40 years. This policy is available in two types of plans i.e. Silver and Gold plan. This policy comes with the option of paying the premium in monthly/ quarterly, semi-annual/ annual installments

    Key features & Benefits

    • Young Star Health Insurance Policy does not require its applicants to get any pre-policy medical check-up done
    • It covers in-hospitalization treatment expenses, such as room rent, medicines, ICU charges, tests charges, doctor’s fee, etc.
    • The delivery expenses and hospital cash benefit is available only under the Gold plan
    • It provides an additional 25% sum insured up to Rs 10 lakh in case the insured is wearing a helmet during the road traffic accident.
    • It comes with Star Wellness Program that allows you to earn points that can be availed as renewal discounts

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 40 years
    Children - 25 years

    Sum Insured

    Rs 3 lakh to Rs 1 Crore

    Number of Family Members Included

    Individual Policy: 1 adult member
    Floater Policy - 5 members (self, spouse and up to 3 children)

  • Star Health Corona Kavach Policy

    Corona Kavach policy offered by Star Health Insurance is an indemnity policy designed to cover hospitalization expenses incurred on the treatment of COVID-19. It also covers coronavirus treatment expenses arising out of co-morbid conditions and home care.

    Key Features & Benefits

    • This Corona Kavach policy covers hospitalization expenses arising out of COVID-19 treatment, including co-morbid conditions
    • It provides coverage for home care treatment expenses for COVID-19 up to 14 days
    • The hospitalization expenses will be covered upon 24 hours of continuous admission
    • The plan covers COVID-19 treatment taken at an AYUSH hospital
    • It provides pre-hospitalization expenses for up to 15 days and post-hospitalization for up to 30 days
    • The treatment expenses will be covered only if the insured is tested COVID-19 positive at a government authorized center
    • This Star Mediclaim plan comes with an optional cover of hospital daily cash

    Eligibility Criteria

    Criteria

    Specifications

    Minimum Entry Age

    Adult - 18 years

    Children - 1 day

    Maximum Entry Age

    Adult - 65 years

    Children - 25 years

    Sum Insured

    Rs 50,000 to Rs 5 lakh

    Number of Family Members Included

    Individual Policy - 1 adult member

    Floater Policy - 4 family members and more (self, spouse, children, parents and parents-in-law)

  • Star Accident Care Health Insurance Policy

    Star Accident Care policy has been designed to cover people against accidental injuries, death and disability. Applicants within the age group of 18 years and 70 years can purchase this policy.

    Key Features & Benefits

    • All personal accident insurance plans by Star Health Insurance provides compensation in case the insured dies due to an accidental injury
    • It also covers the insured against permanent and temporary total disability arising out of an accident
    • It also provides an educational grant to dependent children on the demise of the parent
    • Enhanced weekly compensation for up to Rs 15,000 per week is also

Benefits of Star Health Insurance

Below are some additional benefits of Star Health Allied Insurance.

Co-Payment
You don’t have to make any co-payment; however, 20 per cent of the Star Health Insurance Claim has to be settled by you if you have attained an age between 61 and 65 years, unless specified otherwise.
Life-long Renewability
Star health insurance plans come with lifetime renewability and offer cover for an entire lifetime.
Pre-existing Diseases
Any pre-existing ailment is covered after a waiting tenure of 4 years.
Room Rent
Star health insurance plans come with room rent expense at 2 per cent of the sum assured, subject to a maximum of Rs. 4000 every day.
No Third-Party Administrator
There is no third-party administrator in Star Health Insurance Company. This practices direct in-home claim settlement.

How to Buy a Star Health Insurance Plan Online at Policybazaar?

Star health insurance plans from Policybazaar can be purchased online in a few simple steps as given below:
  • Step 1 : Select Gender Male/Female along with your full name
  • Step 2 : Now enter the correct phone number, select your age and click on view Star health insurance plans
  • Step 3 : Click on continue, select the city and enter the pin code
  • Step 4 : Select the Star health insurance plan from the given options
  • Step 5 : Select and compare the different Star health insurance plans on Policybazaar. You can also calculate premium online
  • Step 6 : Once you select the right plan you can pay the policy premium or speak to our customer care representative for detailed knowledge
  • Step 7 : Once the above steps are completed and the premium is successfully paid, the policy will be emailed to you on your registered email-id

How to Renew Star Health Insurance Plan Online?

Star health insurance company offers a lifelong renewal feature. In order to enjoy continuous insurance benefits, you need to renew your insurance plan on a yearly basis.

Here are the step-by-step guidelines to renew your Star Medical Insurance Plan Online:

  • Go to Policybazaar health insurance renewal to renew your existing Star Health Insurance Policy.
  • Now, fill out your policy details - policy number, email ID, date of birth, and registered mobile no. in the renewal form.
  • Once you enter the insurance details, you will get the cost of the insurance premium.
  • Click on the Proceed button.
  • You can pay the Star Health insurance premium via net banking, credit card or debit card.
  • Click on the Purchase Policy button.

You will get the star health insurance renewal copy on your registered email-id within a few seconds.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

How to File a Claim with Star Health Insurance?

Here is the claim process for Star health insurance.

Cashless Claim Process:

If you want to avail cashless claim in a Star Medical Insurance plan, follow the steps mentioned below.

Step 1
Visit the insurance desk at the reception of the network-listed hospital you are undergoing a treatment at
Step 2
Display the policy ID for identification purpose
Step 3
A doctor from their team will evaluate the documents. After the verification, he/she will process the claim in accordance with the terms and conditions of the opted plan
Step 4
The Star Health Network Hospital would cross-check your identity and submit the pre-authorization Star Health Insurance Claim Form
Step 5
A designated field doctor will make the hospitalization process simpler for you
Step 6
After the completion of the necessary formalities, the claim would be settled according to the terms and conditions

Documents Required for Star Health Cashless Claim

  • Star health card
  • Duly filled & signed claim form
  • In case of an accidental hospitalization, police FIR report or Medico Legal Certificate needs to be submitted
  • Investigation reports such as blood reports, x-ray, or any scans reports
  • Consultation papers of the doctor
  • Chemist’s invoice (in original)
  • The discharge summary from the hospital
  • Other documents (as per the case)

Reimbursement Claim Process:

If you want to avail reimbursement claim for Star Health Mediclaim, follow the steps mentioned below:

Step 1
A doctor on-field will make hospitalization simpler for you
Step 2
Post discharge, you will have to clear the hospital bills. Make sure you collect all the original documents of the treatment(s) and receipts of incurred expenses
Step 3
Fill out the Star Health Claim Form, attach all the required original documents and receipts, and submit it to the nearest branch office of Star Health
Step 4
As per your policy’s terms and conditions, your claim will be settled

Documents Required for Star Health Reimbursement Claim

  • Original chemist bills with prescription
  • Duly filled and signed Star medical insurance claim form
  • Medical bills, discharge certificate and receipts
  • Medical test reports and investigation reports
  • Surgeon's bills and receipts
  • Nature of the surgery/operation
  • Registration certificate of the hospital (if lesser than 15 beds)
  • FIR/Self-declaration/ Medico Legal certificate in case of an accidental hospitalization

How to Calculate Star Health Insurance Premium?

Star Health & Allied Insurance Company Limited helps you to calculate your annual premium for its different star health insurance plans easily and conveniently. You can use star health insurance premium calculator to calculate your yearly premium. All you need to do is to provide a few vital details and the Star Health premium calculator helps you calculate your annual premium amount for the Star Health Insurance plan you intended to buy.

Following is a list of details that you'll need to calculate your Star Health insurance premium payment by using star health calculator:

  • Policy Tenure
  • Sum Insured
  • Scheme (total number of members you intend to add in the plan)
  • Date of birth of the eldest member

Basis these details the Star Health premium calculator will give you the basic premium and the gross premium amount.

Star Health Insurance Network Hospitals

Star Health Allied Insurance is associated with more than 9,200 network hospitals across India where you, with Star Health Insurance, can avail the cashless hospitalisation along with reimbursement facility. This is one of the largest bases of Star Health Network Hospital List in the country. The insurance provider also offers simple and hassle-free health claim settlement process with no intervention of the Third-party Administrator (TPA).

In order to track down a network hospital accessible from your home, choose your city and state from the drop-down menu on the online Network Hospital Locator. You will be redirected to the Star health insurance network hospitals list with their contact details right away. Star Health Insurance is also associated with the Agreed Network Hospitals, where you can avail the cashless transactions and get rates for the package for its identified procedures.

How to Contact Star Health Insurance Company

Star Health & Allied Insurance Co Ltd have their registered office at New Tank Street, Valluvar Kottam High Road, Chennai 600034 PH:28288800 and zonal office/branches everywhere in India and details of a few of them are given below:

  • HUDA Market, Sector 14, 1st Floor, Old Delhi Road, New Delhi - 122001; PH-4255201
  • Himalaya House, KG Marg CP, New Delhi - 110001; PH-08512883222

Star Health Insurance – FAQs

  • Q. What is the grace period for renewal of star health insurance?

    Ans: Star Health Insurance provides a 30 days grace period for renewal. It allows the policyholder to pay the renewal premium even after the expiry of the due date. With this 30 days grace period policyholders can enjoy complete coverage benefits of health insurance plans during the grace period.
  • Q. What is the waiting period for the first delivery under Star Health Comprehensive Plan?

    Ans: The waiting period for the first child delivery under Star Comprehensive health plan is 24 months. After continuous policy cover of 24 months of 2-years you can avail maternity cover for your first delivery.
  • Q. How to check Star Health Insurance Policy Status?

    Ans: Once the Star Health Insurance Company is intimated, the procedure begins right away for the approval. In the event of cashless claims, there are chances that the insurance provider will approve and settle it within tenure of 2 hours. Nevertheless, if the policyholder wishes to check the Star Health Insurance Policy status, he/she must visit the home page on the official website of the Star Health Insurance Company under the ‘Claims’ tab, hit the Claim Status button. Hereafter, enter the required Star Health Insurance Policy details such as ID number and claim intimation number, and hit the 'submit’ button. After this, the policyholder will have the list of network hospitals on the screen, s/he can click on the appropriate network hospital or nursing home where the medical procedure was carried out, and click on submit button. The user will see the status of the claim on the screen.
  • Q. What is the process to fill up the Star Health Insurance Claim Form?

    Ans: Star Health claim form is available on the website of the insurance provider, download it from there. All the guidelines are provided on the Star Health Insurance Claim Form only. The Star Health Claim form has two parts - Part A and Part B. Part A have to be filled by the insured and Part B is to be filled by the hospital.

    Part A of the Star Health claim form asks about the personal details, hospitalization details, insurance history, bank account details, and details of the claim of the policyholder.

  • Q. Is there any top-up plan of Star Health Insurance?

    Ans: The 'Start Health Surplus Insurance Policy' is the top up plan of the Star Health Insurance. This plan provides a high sum assured at a very affordable premium. The advantages of having a top-up policy are that there is no requirement of any medical check-up, but pre-existing diseases are covered only after completion of 3 years of the waiting period. A Star Health policyholder can add this to his/her base health insurance plan or can take it as an independent plan. However, the claim of this plan is approved only after the policyholder has given the deduction amount, which varies according to the plan opted by the policyholder and can be from 3 Lakh to 5 Lakh.
  • Q. Is there any limit on the number of Star Health claims that an insured can take in one year?

    Ans: There is no limit on the numbers of the Star Health claims an insured can avail in one year, but there is a limitation on Sum Insured, which is the maximum allowed limit as per the policy.
  • Q. What is the list of diseases that Star Health Insurance Cover?

    Ans: Below is the Star Health Insurance covered Diseases List:
    • Genetic Disorder
    • HIV/AIDS
    • Infertility
    • Childbirth or pregnancy related complications
    • Congenital disorder
    • Hernia
    • Piles
    • Cataract
    • Sinusitis
    • Fistula
    • Diseases caused due to alcohol or drugs consumption
  • Q. How to pay the premiums of the Star Health Insurance online?

    Ans: Go to the website of Star Health Insurance and choose the health insurance policy. Fill the details of all the individuals for whom the health insurance is to be bought. With the help of the Star Health premium calculator, one can see the quotes instantly.

    See all the details of the plan and check its inclusions and exclusions and after fixing up a plan, one can see pay the premiums directly on the website. The Star Health Online Payment can be paid either via debit card, net banking, and credit card.

  • Q. Does one get a tax benefit for buying a health insurance plan for Star Health Insurance?

    Ans: The premiums that one pays for Star Health Insurance health policies are eligible for tax exempted under section 80D of the Income Tax Act, 1961.
  • Q. Can a non-Indian take health policy of Star?

    Ans: Yes, any non-Indian can take the health insurance plan of Star, but the coverage will be available across India only.
  • Q. What is Health Card?

    Ans: A health card comes with the health insurance policy of Star Health Insurance and is like an ID card. It allows an insured to get cashless treatments at any of the network hospitals of Star Health Insurance Company.

Written By: PolicyBazaar - Updated: 08 April 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 149 Reviews)

Star Health Insurance Reviews & Ratings

4.6 / 5 (Based on 149 Reviews)
(Showing Newest 9 reviews)
Harish
Laharpur, April 16, 2021
Hassle-free renewal
I wanted to renew the existing star health insurance plan which i bought an year ago. So i went to the Policybazaar's website and the procedure of the renewal of the policy was easily completed. I added a few riders also to enhance my policies coverage. Thanks guys
Shyam
Fakirsahi, April 16, 2021
Pre and post hospitalization cover
I was looking for a health insurance policy that could provide me cover for pre and post hospitalization cover and other important ones in affordable rates. I went on policybazaar’s website and scrolled through many health insurance policy and landed on star health insurance policy because it provides me good coverage. Thanks team
Radhe
East Midnapore, April 16, 2021
Riders available at affordable rates
I am a policyholder of star health insurance. I purchased this policy online from policybazaar a year ago. I wanted to add some riders to enhance the protection of the policy and there were many affordable riders available for me. Thanks team
Sohil
Sabang, April 16, 2021
Less premium
I was looking for a health insurance policy with less monthly premium rates that could provide me good coverage for myself. I bought the star health insurance policy which comes with less premium rates and provides good coverage. Thanks to policybazaar I was able to find the right health insurance policy for myself.
Himesh
Habra, April 16, 2021
Good coverage
I purchased a health insurance policy online. I purchased the Star health insurance policy from policybazaar. I wanted to purchase a health insurance policy for myself because I live alone out of my hometown. Since medical emergencies come unannounced the star health insurance policy provides me good coverage for all the necessary medical conditions. Thanks team
Juhi
Dabugam, April 16, 2021
Senior Citizen Policy
Before buying the Star Senor Citizen Health Insurance plan from policybazaar.com, I was not sure about the inclusions of health insurance plans for senior citizens. When I came across this policy, which was coming as one of the options of my research criteria at policybazaar.com, I got to know that it offers wide coverage. The adequate coverage of this policy made me think that it is the best option for my parents who are senior citizens. Thanks, guys for suggesting me this policy and making me buy it easily online through your website.
Dipu
Fakirpur, April 15, 2021
Good Family Health Insurance
The health insurance plan for families offered by Star Health Insurance Company, which is, Star Family Health Optima is a decent family health plan. I am saying this as it provides wide coverage at affordable premiums.
Charu
Dabugam, April 15, 2021
Health Insurance Policy is Not a Matter of Concern Now
I was searching for a health insurance plan online and got to know about Star Health Insurance Plans through policybazaar.com. These plans were coming as per my searching criteria. All the health policies offered by Star Health Insurance Company were good and affordable. I bought Star Super Surplus Health Insurance Policy and satisfied with my selection.
Mohit
Tajapur, April 15, 2021
Decent List of Network Hospitals
While purchasing a health insurance plan for myself, I came to know about Star Health Insurance policies through policybazaar.com. While searching for it I came to know that it has a vast list of network hospitals and some of them were of my preference. I immediately bought this policy from policybazaar.com. Thanks, guys.

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