Star Health Insurance

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      Overview of 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 is the first standalone insurance company in India. The Insurer has more than 11000+ 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. One of the major benefits is that no co-payment is required for individuals below 60 years of age.

      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 Innovative New Product of the Year, 2020
      • Best BFSI Brands, 2019
      • Best Health Insurance Provider of the Year 2018-19

      Star Health Insurance Company has more than 1100+ 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.

      Read More
       

      Choose Star Health Insurance Coverage of Your Choice

      ₹2Lakh
      Star Health Insurance
      ₹3Lakh
      Star Health Insurance
      ₹5Lakh
      Star Health Insurance
      ₹10Lakh
      Star Health Insurance
      ₹20Lakh
      Star Health Insurance
      ₹50Lakh
      Star Health Insurance
      ₹1Crore
      Star Health Insurance

      Star Health Insurance Plans

      Star Health Health insurance Company offers a comprehensive range of health insurance plans to the customers. The list of various health insurance plans offered by Star Health is given below:

      For Family
      Min. Age
      3 months
      Max. Age
      65 Years
      Min. Coverage
      ₹ 5 Lakh
      Max. Coverage
      ₹ 1 crore
      For Family
      Min. Age
      16 days
      Max. Age
      65 Years
      Min. Coverage
      ₹ 5 Lakh
      Max. Coverage
      ₹ 25 lakh
      For Senior Citizens
      Min. Age
      60 Years
      Max. Age
      75 Years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 25 lakh
      For Individual/ Family
      Min. Age
      16 days
      Max. Age
      75 years
      Min. Coverage
      ₹ 5 lakh
      Max. Coverage
      ₹ 2 crore
      For Individuals
      Min. Age
      16 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 1.5 lakh
      Max. Coverage
      ₹ 25 lakh
      For top-up
      Min. Age
      91 days
      Max. Age
      65 Years
      Min. Coverage
      ₹ 5 lakh
      Max. Coverage
      ₹ 1 Crore
      For individuals
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 5 lakh
      For Heart diseases
      Min. Age
      7 years
      Max. Age
      70 Years
      Min. Coverage
      ₹ 3 lakh
      Max. Coverage
      ₹ 15 lakh
      For diabetes
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 3 Lakh
      Max. Coverage
      ₹ 10 Lakh
      For critical illness
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 2 Lakh
      Max. Coverage
      ₹ 10 lakh
      Plan name
      Star Cancer Care
      For Cancer
      Min. Age
      5 months
      Max. Age
      65 years
      Min. Coverage
      ₹ 3 lakh
      Max. Coverage
      ₹ 10 lakh
      For people below 35 years
      Min. Age
      91 days
      Max. Age
      40 Years
      Min. Coverage
      ₹ 3 Lakh
      Max. Coverage
      ₹ 1 Crore
      For family
      Min. Age
      91 days
      Max. Age
      40 years
      Min. Coverage
      ₹ 3 Lakh
      Max. Coverage
      ₹ 1 Crore
      For OPD
      Min. Age
      31 dayS
      Max. Age
      50 years
      Min. Coverage
      ₹ 25,000
      Max. Coverage
      ₹ 1 Lakh
      For autism
      Min. Age
      3 years
      Max. Age
      25 years
      Min. Coverage
      ₹ 3 Lakh
      Max. Coverage
      ₹ 3 Lakh
      Min. Age
      3 Months
      Max. Age
      65 years
      Min. Coverage
      ₹ 21,000
      Max. Coverage
      ₹ 42,000
      For hospital daily cash
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 1000 per day
      Max. Coverage
      ₹ 5000 per day
      For COVID-19
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 2.5 Lakh
      For COVID-19
      Min. Age
      1 day
      Max. Age
      65 years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 5 Lakh
      For Women
      Min. Age
      91 days
      Max. Age
      75 years
      Min. Coverage
      ₹ 5 lakh
      Max. Coverage
      ₹ 1 Crore
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans

      Why buy Star Health insurance plans?

      Star Health Insurance provides you with the best healthcare and medical treatment, thereby keeping you financially secure.

      This health insurance policy ensures that you family and you will receive the best medical treatment at any hospital that you choose.

      The insurer has a wide network of 5000+ hospitals across the country. A wide range of health insurance plans by Star protect you against the increasing cost of medication in the modern era.
      Because of its affordable health plans and high Star health claim settlement ratio of 90%, these plans are the most obvious choice for anyone who seeks the highest coverage at a low cost. The policies offer health coverage for an individual, the family, and senior citizens along with the tax benefit under section 80D.
      Buying Star Health Insurance plans for NRI is a great idea for Indians living abroad who keep visiting India or plan to permanently move back after a few years.
      Read more

      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.
      Read More
      Let us discuss each insurance plan in detail
      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)
      Read more
      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)
      Read more
      Star Comprehensive Health Insurance

      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)
      Read more
      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)
      Read more
      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)
      Read more
      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)
      Read more
      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)
      Read more
      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)
      Read more
      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
      Read more
      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
      Read more
      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
      Read more
      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
      Read more
      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
      Read more
      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
      Read more
      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)
      Read more
      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)
      Read more
      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
      Read more
      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)
      Read more
      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)

      Read more
      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
      Read more
      View more plans

      How to File a Claim with Star Health Insurance?

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

      1

      Step 1

      Visit the insurance desk at the reception of the network-listed hospital you are undergoing a treatment at

      2

      Step 2

      Display the policy ID for identification purpose

      3

      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

      4

      Step 4

      The Star Health Network Hospital would cross-check your identity and submit the pre-authorization Star Health Insurance Claim Form

      5

      Step 5

      A designated field doctor will make the hospitalization process simpler for you

      6

      Step 6

      After the completion of the necessary formalities, the claim would be settled according to the terms and conditions

      Note: For any other assistance regarding an insurance policy or claim, contact your Star Health Insurance claim status anytime over a Health Insurance customer care. You can also check call.

      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
      Read More

      How to Renew Star Health Insurance Plan Online?

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

      • Go to Policybazaar Star 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.

      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 Port to a Star Health Insurance Policy?

      Customers of other insurance companies can easily port to a Star health insurance policy online. All they need to do is choose a Star health policy they want to buy, fill up portability & proposal forms, and pay the premium on Policybazaar.com. The insurer will accept/reject your portability request within 15/30 days. 

      Generally, raising a portability request around 45 days before your current policy expiry date is recommended.

      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 11,000+ 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.
      View more FAQ’s

      Star Health Insurance - Latest News

      • Star Health Insurance Cuts IPO Size by Rs 849 Crore

        After a week of subdued response, the Star Health & Allied Insurance Company has cut its initial public offering (IPO) size by Rs 849 crore. As per the recent prospectus, the IPO for the company has been cut from Rs 7,249 crore to Rs 6,400 crore ($848.02 million).

        Star Health IPO Fails to Garner Full Subscription

        Star Health Insurance, which is India’s largest private health insurance company, failed to get its IPO fully subscribed last week. This pointed at a weak demand by the investors for the third biggest listing in India despite being backed by Rakesh Jhunjhunwala. Although the subscription period was extended, the company decided to cut its offer for the sale portion of the IPO.

        Initially, the Star Health IPO was priced between Rs 870 to Rs 900 per share. However, the IPO offer for sale now is 48.89 million shares along with a fresh issue of 22.2 million shares, as stated in the 7th December prospectus.

      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*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      Star Health Insurance Reviews & Ratings

      4.6 / 5 (Based on 181 Reviews)
      (Showing Newest 10 reviews)
      Ranveer
      Pune, October 26, 2021
      Low cost plan
      Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
      Vijay
      Gurgaon, September 07, 2021
      Best plan
      I am with the service of policy bazaar. i got the best health plan from policy bazaar. team are very cooperative and supportive. it has a coverage of cashless hospitalisation. i got the best plan with the help of policy bazaar.
      Rahul
      Gurgaon, September 07, 2021
      great coverage
      I liked the features that is provided under my star health insurance plan which i have bought from the policy bazaar. surgeon fees, hospital charges and many more features are covered in my plan.
      Anil
      Jaipur, September 03, 2021
      Easy Renewal
      It is best to buy and Renew the plan online from the policy bazaar. Online procedure saves a lot of money. I did not have to pay agent fees. Everything is done easily at home. I recently renewed my star health insurance from home itself.
      Suresh
      Karnatka, September 03, 2021
      No claim bonus
      I had taken the Star health insurance from the website of policy bazaar and i got no claim bonus as I did not take claim settlement. Their team provided me great service. I am glad that i have come to the right place.
      Rahul
      Aligarh, August 24, 2021
      Best service
      I was looking for health insurance for a long time and finally i got the right plan according to my needs from the policy bazaar. i really appreciate their team work. highly recommended. policy bazaar gives the best support to their customers.
      Prashant
      Karnataka, August 12, 2021
      within budget
      i am glad that i have bought star health insurance. their plan was into my budget.service provided by the policy bazaar was brilliant and i will recommend to have a look on the website once, if you are planning to buy a policy.
      Ehsaan
      Kochi, August 09, 2021
      Easy to compare
      Randomly i was searching for health insurance on various websites. then i saw star health insurance policy. after comparing a lot of policies on the policy bazaar,i liked the start health insurance policy.
      Dipankar
      Firozabad, August 09, 2021
      online procedure
      i got the star health insurance policy from policy bazaar. star health policy covers all kind of critcal medical incidents whether it is disease or accidental event. i have done my health insurance from home itself.
      Bipin
      Patna, June 24, 2021
      Low premium price
      The premium prices of the health insurance policy is really good and I have bought my health insurance plan under my budget. I booked the star health insurance plan and would readily love to continue with that. I am blessed to be the customer of Policybazaar and care insurance.

      *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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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 (Life & General)| 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.

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