Star Health Insurance

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Star Health Insurance Company Overview:

Star Health Insurance laid its foundation stone in the year 2006 with its business interest in health insurance, personal accident and overseas mediclaim policy. It offers a wide range of Star health insurance plans tailored to fulfil the needs and requirements of their consumers. Star health insurance policies come at affordable prices.

With an innovative plan structure and easy-to-opt features, health insurance plans offered by Star Health and Allied Company Ltd. are a must-try. Star health mediclaim insurance plans are available for individual, family, senior citizens, children, and college goers.

About Star Health and Allied Company

Star Health and Allied Insurance Company Limited is a joint venture between M/s. ICICI Ventures Funds Management, M/s. Tata Capital Growth Fund, M/s. Oman Insurance Company, UAE, M/s. Sequoia Capital, and M/s. Alpha TC Holdings Pte Ltd, Singapore. It was founded and approved by IRDA. Being the first standalone insurance firm 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

Why Should You Invest in Star Health Insurance?

Subject

Particulars

Network hospitals

More than 8200

The ratio of claim incurred

60.51%

No of health policies issued till 2017

2579591

Grievances solved

98.72%

NCB Bonus

5% to 100%

TPA Investment

No

Pre-existing diseases waiting period

4 years

Renewability

Lifetime

 

Some of the reasons why you must choose to buy Star Health Insurance are:

  • The company offers a direct in-house settlement and does not involve a third party for claim settlements.
  • The company is known for fast, easy and hassle-free health insurance claim settlements.
  • Policyholders get immediate access to cash-less hospitalization And reimbursement facility in more than 7000 network hospitals across India.
  • It has its wide presence across the country with over 6000 branch offices.
  • The star health mediclaim insurance offers personalized doctor visit for all customers getting hospitalized.

Star Health Insurance - Additional Features:

There are some additional features of Star Health Allied Insurance. They are:

  • Co-payment: You don’t have to make any co-payment; however, 20 per cent of the 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 plans. This practices direct in-home claim settlement.

Star Health Insurance - What it covers?

As Star Health Insurance have a differentiated number of policies to protect the financial position of an individual in case of medical adversity. Each of Star Health Insurance plans serves to meet different medical expenses in unique ways.

The following are covered under the plans offered by the insurance provider:

  • Pre-Existing Diseases - These are incorporated subject to the prior cover by a domestic insurance provider; generally for 4 years preceding the inception of your policy.
  • Pre-Hospitalisation Cost - Usually up to 30 days.
  • Post-Hospitalisation Cost - Usually up to 60 days. Generally met via lump sum payment at the rate of 7 per cent of the costs of Rs. 5,000.

Apart from the aforementioned inclusions, the following are also included:

  • Anaesthetist
  • Nursing Boarding
  • Room rent
  • Surgery
  • Consultants, medical practitioner, specialists etc fees
  • X-ray, dialysis, diagnostic materials, medicines, drugs etc.

List of Star Health Insurance Plans:

There are 14 insurance schemes offered by Star Health. Below is the list of plans by Star Health Insurance:

  1. Star Family Health Optima Insurance Policy
  2. Star Senior Citizens Red Carpet Insurance Policy
  3. Star Comprehensive Insurance Policy
  4. Star MediClassic Insurance Policy (Individual)
  5. Star Health Gain Insurance Policy
  6. Star Super Surplus Insurance Policy
  7. Star Diabetes Safe Insurance Policy
  8. Star Cardiac Care Insurance Policy
  9. Star Net Plus Insurance Policy
  10. Star Care Micro Insurance Policy
  11. Star Criticare Plus Insurance Policy
  12. Star Family Delite Insurance Policy
  13. Star Cancer Care Gold (Pilot Product)
  14. Star Special Care Insurance Policy

Star Family Health Optima Insurance Plan

Star Health Plan

Family Health Plan

Entry Age

18 years to 65 years (Indian residents)

Sum Insured Range

Rs. 1 Lakh to Rs. 25 Lakhs

Premiums

Rs. 3890 to Rs. 34700 (It is based on the sum insured, family size, age, etc.)

Renewability

Lifelong

Co-Payment

20% of each and every admissible claim for age above 60 years

Policy Term

1 Years

Covers

  • Ambulance charges
  • In-patient hospitalisation
  • Domiciliary hospitalisation
  • Day-care expenses
  • New-born baby coverage

 

This Star Health insurance plan provides cover for the individual as well as the family at an affordable price.

Salient Features of Star Family Health Optima Insurance:

  • Star Health Family Health Optima is issued as a single policy, covering health insurance of the entire family.
  • You are provided with the facility of auto-recharge, which means that you can get your policy recharged automatically for up to 30 per cent of the sum assured at no additional cost.
  • The insurer does reimburse a maximum of Rs. 3500 every three years against expenses incurred for health check-ups during the policy tenure.
  • The insured gets the benefit of automatic restoration of the sum assured three times during the policy when exhausted, provided the sum assured is Rs. 3 Lakh or above
  • The health insurance company also provides for an auto cover for every newborn baby from the 16th day in the family.
  • Star Health and Allied Insurance Co. Ltd. also provide coverage for expenses incurred in case of organ transplantation.
  • This insurance scheme also provides cover for all day care procedures to be followed during the treatment period.
  • This star health insurance policy is available on floater basis and the sum insured floats among all the people insured under this policy.

Eligibility:

  • Any Indian citizen between the ages of 18 years to 65 years can apply for this scheme.
  • An infant ageing 16 days and above can be covered under this scheme.
  • For people beyond 65 years of age, this policy can be renewed for lifetime.

Star Senior Citizens Red Carpet Health Insurance Plan

Star Health Plan

Individual Plan

Entry Age

60 years to 75 years

Sum Insured Range

1 Lakh to 10 Lakhs

Renewability

Guaranteed after 75 years

Premiums

Rs. 4,450 to Rs. 26,550

Discount

5% discount while purchasing health policies online

Co-Payment

A co-payment of 50% is applicable for pre-existing disease claims and 30% for other claims.

Policy Term

1 Year

Coverage

  • Pre-hospitalisation and post-hospitalisation expenses
  • Coverage for specific ailments
  • Outpatient consultations
  • In-patient hospitalisation
  • Ambulance charges

This star health insurance policy is extended to senior citizens above the age of 60 years.

Salient Features of Star Senior Citizens Red Carpet Insurance:

  • Star health insurance for senior citizens does not require you to appear for a pre-policy medical screening.
  • This Red Carpet insurance policy provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anaesthetics, medication and other such related expenses.
  • The star medical insurance company provides coverage against pre-existing diseases after a waiting period of 12 months. In details – “Pre-existing diseases are covered right from the 2nd year, i.e. from the date of policy inception.”
  • The senior citizen health Insurance policy covers expenses arising out of queries related to outpatient treatment. However, this facility is only available for queries with the networked hospitals.
  • Reimbursements made as lump sum payment post hospitalisation.
  • This health insurance scheme provides cover for specific day-care procedures and for transportation expenses up to the specified limits.
  • It can be availed as an individual insurance plan.

Eligibility:

  • Any person between the ages of 60 years to 75 years can opt for this plan.

Star Comprehensive Health Insurance

Star Health Plan

Individual and family health plan

Entry Age

18 years to 65 years; dependent children: 3 months to 25 years

Sum Insured Range

Rs. 5 Lakhs to Rs. 25 Lakhs

Premiums

Starting from Rs. 7,015. Actual premium differs, basis age, sum insured, and family size

Renewability

Lifelong

Co-Payment

A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals.

Policy Term

1 Year

Coverage

  • Pre-existing diseases
  • Pre-hospitalisation and post-hospitalisation expenses
  • New-born baby cover/delivery cover, which includes C-sec deliveries and the vaccinations for newborn babies)
  • Daily cash for hospital expenditure
  • Outpatient treatment (Ophthalmic and Dental)

*This is not an exhaustive list

 

This Star health insurance policy provides mediclaim cover for the individual’s entire family and is issued on a floater basis.

Salient features of Star Comprehensive Health Insurance:

  • No upper limit specified for cost against treatment and room rents.
  • It covers the event of a personal accident resulting in permanent disability or the sudden death without asking for an additional payment.
  • It provides automatic health insurance coverage for newborn babies and also gives maternity benefits.
  • You may also like to apply for auto-restoration of the sum assured (up to 100 per cent) when exhausted.
  • You are also provided with the coverage against expenses incurred for availing outpatient ophthalmic treatment.
  • This health insurance scheme also provides cover for 405-day care procedures to be followed during the treatment period.
  • It gives extra benefits like health checkups, Bariatric surgeries, assistance for air ambulance, and so on at no additional cost.
  • Sum insured to increase by 100% in cases of claim free years.
  • Extended in the form of a hospital cash facility.
  • The star medical insurance policy available on an individual as well as on a floater basis. However, your spouse and other dependents in your family can avail benefits under this policy.

Eligibility:

  • Any person lying between the ages of 18 years to 65 years can opt for this plan. Dependent children between the ages of 3 months to 25 years can benefit from this scheme.

Star MediClassic Health Insurance

Star Health Plan

Individual and family health plan

Entry Age

5 months to 65 years; only renewal permitted after the age of 65 years.

Sum Insured Range

Rs.1.5 Lakh to Rs. 10 Lakh

Annual Premium Charges

Rs. 2510 to Rs. 88170, differs basis age, sum assured and zone

Two-year Premium Charges

Rs. 4769 to Rs. 167523 (varies on the basis of age, sum assured, and zone)

Renewability

Lifelong

Co-Payment

A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals.

Policy Term

1 Year

Coverage

  • Pre-existing diseases
  • Pre-hospitalisation and post-hospitalisation expenses
  • Health-care expenses
  • Day-care procedures
  • Non-allopathic procedures

A Family Health Insurance plan extended as a family package including health and mediclaim benefits and bonus options.

Key Features:

  • You can apply for auto-restoration up to 200% of the sum assured if exhausted (in case of the Individual plan).
  • Coverage to increase by 5% of the basic sum insured (max up to 25%) in cases of claim free years
  • Extended in the form of a hospital cash facility.
  • This health insurance scheme also provides cover for 101-day care procedures to be followed during the treatment period.
  • It provides for free health checkups.

Eligibility:

  • Any person lying between the ages of 5 months to 65 years can opt for this plan. Children are to be covered only along with parents.
  • HIV+ people can also opt for this plan, subject to certain conditions.

Star Health Gain Insurance Plan

Star Health Plan

Individual and family health plan

Entry Age

5 months to 65 years

Sum Insured Range

Rs. 1 Lakh to Rs. 5 Lakh

Premiums

Starts at Rs. 15,000 (does not include GST)

Renewability

Lifelong

Cooling Off Period

30 days

Policy Term

1 Year

Coverage

  • Ambulance charges
  • Day-care treatments
  • In-patient hospitalisation
  • Outpatient procedures within the limits
  • Pre-existing ailments after 48 months

 

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

Salient Features of Star Health Gain Insurance:

  • Covers expenses incurred for both inpatient and outpatient treatments.
  • The amount saved from outpatient treatment is carry forwarded to the next policy year.
  • Avail a max up to 10 per cent discount on the premium at the time of renewal, provided no claim is made during the current tenure of the policy.
  • The fixed premium for all.

Eligibility:

  • Any person between the ages of 5 months to 65 years can opt for this plan. Children are to be covered only along with parents. Dependent children below the age of 25 years can benefit from this scheme.

Star Super Surplus Insurance Plan:

Star Health Plan Type

Individual and family Health plan

Entry Age

Adult: 18 years to 65 years; children: 3 months to 25 years

Sum Insured Range

Rs. 3 Lakh to Rs. 10 Lakh

Premiums

Rs. 1950 to Rs. 36360 based on the sum assured and entry age

Renewability

Lifelong

Co-Payment

A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals. (only for Gold Plan)

Policy Term

1 Year

Coverage

  • Air ambulance cover
  • Medicine costs
  • Consultant/surgeon fees
  • Operation theatre expenses
  • Hospitalisation charges
  • Second opinion costs

 

It is a top-up cover policy offered at affordable pricing.

Salient features of Star Super Surplus Insurance:

  • No pre-policy medical check-up required.
  • The company also provides for coverage of pre-existing diseases, subject to completion of 36 months of regular insurance cover.

Eligibility:

  • Any person between the ages of 5 months to 65 years can opt for this plan. Children can be covered along with their parents. Family floater policies cover an individual along with spouse and up to two children. This policy is also available on an individual

Star Diabetes Safe Insurance

Star Health Plan Type

Individual & Family Health Plan

Entry Age

18 years to 65 years

Sum Insured Range

Rs. 3 Lakh to Rs. 10 Lakhs

Renewability

Lifelong

Waiting Period

30 days (except for accidents) to 48 months (pre-existing diseases)

Policy Term

1 Years

 

This insurance policy is for diabetic patients.

Salient Features of Star Diabetes Safe Insurance:

  • This Star Health Mediclaim policy provides cover for regular hospitalization expenses as well as expenses connected to diabetes and its complications.
  • Policy can be taken for self and spouse.
  • You can apply for auto-restoration up to 100% of the sum assured if exhausted.
  • This health insurance scheme also provides cover for 400+ day care procedures to be followed during the diabetes treatment period

Eligibility:

  • Anyone aged between 18 years and 65 years who are diagnosed with diabetes can purchase this policy.

Star Cardiac Care Health Insurance:

Star Health Plan Type

Individual Plan

Entry Age

10 years to 65 years

Sum Insured Range

Rs. 3 Lakh to Rs. 4 Lakhs

Premiums

Gold Plan: Starts at Rs. 26,000

Silver Plan: Starts at Rs. 18,000

Renewability

Lifelong

Co-Payment

10% of claimable expenses for individuals with entry age 60 years.

Policy Term

1 year

Coverage

  • Ambulance charges
  • Hospitalisation expenses
  • Day-care treatments
  • Personal Accidents
  • Cardiac ailments after 90-days of the waiting period
  • Pre-existing ailments after 48 months

This insurance policy is for heart patients.

Salient Features of Star Cardiac Care Health Insurance:

  • It provides cover against heart diseases, posts 90 days of completion of the policy issuance date
  • Two variants of the policy are Silver Plan and Gold plan
  • Extended in the form of hospital cash facility
  • This insurance scheme also provides cover for 405-day care procedures to be followed during the treatment period

Eligibility:

  • Any person aged between 10 years and 65 years who had undergone Bypass Surgery or PTCA treatment within 7 years before the date of purchase of the policy.
  • This health insurance scheme is available on an individual basis.

Star Net Plus Health Insurance:

Star Health Plan Type

Individual Plan

Entry Age                      

No Age Limit

Sum Insured Range

Rs. 30,000 to Rs. 50,000

Annual Premium

Rs. 2500 to Rs. 4,000

Medical Screening

Required

Waiting period

AIDS confirmation (CD4 test) within 90 days of the commencement of the policy


Star health insurance scheme for HIV+ patients.

Salient Features of Star Net Plus Health Insurance:

  • It provides insurance cover to HIV+ patients, their family members or beneficiaries.

Eligibility:

  • Any person tested HIV+ or persons taking services from government agencies or NGO’S can b referred for this policy.

Star Care Micro Health Insurance Policy:

Star Health Plan Type

Individual & Family Health Plan

Entry Age

18 years to 65 years (Adults) 2 years to 25 years (Children)

Sum Assured

Rs.1,00,000

Premiums

Starts from Rs. 905 (Varies based on the sum assured and the age)

Premium

Single

Renewability

Lifetime

Medical Screening

Not required

Coverage

  • Hospital cash benefits
  • Accidents occurring while paying any winter sports
  • Education grant for minor kids
  • Travel expenses for one relative

 

Star Care Health Insurance Plan Provides cover for the individual as well as his family

Features:

  • Available on the individual as well as floater basis.
  • Available in selected cities where the locations are divided in Tier 1 and Tier 2.
  • Tier 1 locations: Places with a population between 5 Lakhs to 10 Lakhs as per census 2011
  • Tier 2 Locations: According to census 2011, the places where the population is below 5, 00,000

Eligibility:

  • Any person aged between 18 years and 65 years who resides in any of Tier 1 and Tier 2 locations can purchase this plan.

Star Criticare Plus Health Insurance

Star Health Plan Type

Individual Plan

Entry Age

18 years to 65 years

Sum Assured

Rs.2 Lakh to Rs.10 Lakh

Premium

Rs.3,750 to Rs.35,350 (exclusive of tax)

Discount

5% for two or fewer members; 10% for more than two members

Renewability

Lifetime

Co-Payment

30% of claims for insured parties above 60 years

Coverage

  • Hospitalisation expenses
  • Day-care procedures
  • Pre and post hospitalisation expenses
  • Non-allopathic procedures
  • Ambulance charges

 

It is a protection policy issued along with critical expenses and added benefits.

Features:

  • This critical Illness policy provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anaesthetics, medication and other such related expenses for a minimum of 24 hours.
  • It covers pre-hospitalization (30 days prior to admission to the hospital) and posts hospitalization expenses along with ambulance charges if any.
  • This star health insurance policy provides coverage against certain day-care procedures.
  • Issued on an individual

Eligibility:

  • Any person lying between the ages of 18 to 65 years can opt for this plan.

Star Family Delite Health Insurance:

Star Health Plan Type

Family Health Plan

Entry Age

5 months to 65 years

Sum Assured

Rs.2 Lakh to Rs.3 Lakh

Premium

Rs.2,800 to Rs.33,100

Renewability

Lifetime

Medical screening

Required for entrants above 50 years at authorised centres

Coverage

  • Pre-hospitalisation and post-hospitalisation expenses
  • Emergency ambulance fees
  • Certain diseases specified in the brochure
  • In-patient hospitalisation expenses
  • Pre-existing ailments after 48 months

A Star Health Insurance covers for the entire family with added benefits.

Features:

  • It covers pre-hospitalization (30 days prior to admission to the hospital) and posts hospitalization expenses along with ambulance charges if any.
  • This health insurance policy provides coverage for certain day-care procedures.
  • This policy provides coverage for inpatient hospitalization expenses, including nursing fee, room rent, anaesthetics, medication and other such related expenses for a minimum of 24 hours.
  • Provides cover for specified diseases.

Eligibility:

  • Any person lying between the ages of 5 months to 65 years.
  • Available on floater basis for the individual, spouse and dependent children.

Star Cancer Care Gold (Pilot Product):

Star Health Plan Type

Individual Health Plan

Entry Age

5 months to 65 years

Sum Assured

Rs.3 Lakh to Rs.5 Lakh

Premium

Section 1: Rs. 17,400

Section 2: 12,250

Co-payment

10% co-payment for the insured who have attained an age of 60 years or more

Renewability

Lifetime

Medical screening

No need of any pre-policy medical screening

Policy Term

1 year

Coverage

  • Section 1: Offers lump sum benefits in the event of recurrence of second cancer/disease/metastasis
  • Section 2 (Indemnity Coverage): It offers cover for interventional and surgical therapy
  • Section3 (Indemnity Coverage): It offers cover for non-interventional and non-surgical therapy

 

Salient Features of Star Cancer Care Gold (Pilot Product):

  • 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.
  • Premium paid against Star Health Insurance cancer care plan is eligible for tax redemption u/s 80D of the Income Tax Act, 1961.
  • No pre-acceptance medical check-up is required

Eligibility:

  • An individual can cover self, dependent children, spouse, dependent parents
  • Any individual lying between the ages of 5 months and 65 years

Star Special Care Insurance Policy:

Star Health Plan Type

Individual Health Plan

Entry Age

3 years to 25 years

Sum Assured

Rs.3 Lakh

Co-payment

20% for each claim

Renewability

Lifetime

Medical screening

No pre-acceptance medical screening is required

Policy Term

1 year

Coverage

  • Hospitalisation charges up to Rs. 5000 per day
  • Anaesthetist, surgeon, consultants, medical practitioner, and specialists fees included
  • Operation theatre charges, blood, oxygen, medicines, drugs, anaesthesia, surgical appliances, etc.

 

Features of Star Special Care Insurance Policy:

  • Star Health Insurance Special Care policy is designed to offer medical insurance for kids who’ve been diagnosed with Autism Disorder.

Eligibility:

  • Any kid between 3 years and 25 years of age and diagnosed with Autism disorder is covered.

Star Health and Allied Insurance Co. Ltd. Combi Plans in Association with India First Life Insurance:

  • Star First Care
  • Star First Delite
  • Star First Classic
  • Star First Comprehensive
  • Health Insurance for Corporates

Travel Insurance:

  • Star Corporate Travel Protect Insurance Policy
  • Star Travel Protect Insurance Policy
  • Star Student Travel Product Insurance Policy

Personal Accident Insurance:

  • Student Care
  • Accident Care Individual Insurance Policy

Star Health Insurance Premium Calculator:

Star Health Allied Insurance helps you to calculate your annual premium for its different health insurance plans easily and conveniently. You can use Star Health Premium Calculator to calculate your yearly premium. All you need to do is to provide a few vital details and the company's health insurance 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 premium payment using Star Health Insurance Premium 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 premium calculator will give you the Basic Premium and the Gross Premium amount.

Star Mediclaim Premium Calculator:

The online star mediclaim premium calculator is available on various insurance portals. This calculator allows you to obtain a rough estimate of the calculation of your premium calculation of the selected Star health insurance policy. You have to visit the web page and click on the selected scheme. For instance, if you’ve decided to make an investment in Family Insurance Policy, you’ll have to give the basic details like how many children and adults you wish to insure under the plan, enter the sum assured amount, pin code, and the date of birth of a senior most member of the family, etc. Once you provide the necessary information, you’ll get a rough idea about your premium for the selected policy.

Star Health Insurance Premium Payment Online

As Star Health Insurance started operating in 2006 in the field of Personal Accident Insurance, Overseas Mediclaim Policies, and Health Insurance, the insurance provider strives to bring the best insurance products and services to its consumers in India. With a wide range of insurance products and services in its arsenal, the need and requirement of every individual are catered to make sure that they live a happy and peaceful life. The insurance provider primarily focuses on Accident Policies, Travel Insurance and Health Insurance.

Star Health Insurance Company facilitates its customers with online premium payment.

Star Health Insurance Online Premium Payment Avenues:

A plethora of effortless and quick Star Health Insurance Online Payment avenues are offered by Star Health Insurance for their customers. These payment avenues are safe and secure and offer a hassle-free and quick service that can be availed by their consumers.

The policyholder has to follow a simple process developed by the Star Insurance Company. The insurance provider has developed an easy purchase module on the official website of the company where the policyholder can follow the procedure to avail health insurance policy for their family members or themselves.

A consumer needs to visit the official website of Star Health Insurance, where s/he has to plan type required from the available options listed below the ‘Health Insurance’ tab. One can find this on the top of the homepage.

The policyholder has to select the plan that best suits the needs and requirements after which a new page is displayed with details regarding the required insurance cover, mobile number, address, date of birth, and other personal details.

Hereafter, another page will be displayed where the consumer would have to pay the required amount for the purchase of health insurance plan.

The application form, policy clause, and the health insurance brochure can be downloaded by the consumer from the official website.

Other health insurance providers are meant to adopt various Star Health Online Payment avenues such as debit cards, credit cards, cheques, Paytm, and internet banking. An insured can get in touch with the consumer support team of the Star Health Insurance on 1800-425-2255 to get more information on the Star Health Insurance Premium Payment avenues that are accepted by the company.

Star Health Insurance Plan Renewal:

Most of the health insurance plans offered by Star Health Insurance provide the comfort of lifetime renewability. However, a few health plans offered by Star Health Insurance Company have a limitation on the renewability period of the plan. It makes sense to carefully read the policy documents and check the terms and conditions before buying a plan to understand the Star health online renewal process and the renewability period for the intended plan.

Renew Your Star Health Insurance Plan Online

Here are the step-by-step guidelines to renew your Star medical insurance plan online.

Star medical 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.

Don't worry about forgetting the Star Health Insurance Renewal date. Star Health will send you friendly Star Health Policy Renewal reminders to make sure that you continue to enjoy all the insurance benefits. In case, you forget your plan's renewal date and your policy expires, you will have a grace period. If you want your policy to continue, this is the high time to renew your plan.

Star Health and Allied Insurance Online Renewal process

If you want to renew your insurance plan online, all you have to do is follow the steps mentioned below for Star Health Insurance Renewal Online.

Step 1- Visit Star Health's website. Click on the Star Health Renewal tab to renew your health plan.

Step 2- Now, fill out your policy details - policy number, email ID, date of birth, and registered mobile no. in the renewal form.

Step 3- Click on the Proceed button.

Step 3- Double check and check renewal details like gross premium and service tax.

Step 4- Click on Purchase Policy button.

Step 5- Now proceed to premium payment. You can pay the premium via net banking, credit card or debit card.

Star Health Insurance Claim Process

Here is the claim process for Star health insurance.

For Cashless Claims:

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

Step 4- 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 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.

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.

How to Apply for Star Health Insurance Policy?

Health insurance plans offered by the company can be applied to through multiple channels like:

  • Individuals wishing to buy star health insurance plans can simply call the Sales helpline of the company and speak to the customer service representative.
  • They can provide their name and mobile number on the website of the company and request for a callback.
  • Lastly, customers may also visit the company's branches or get in touch with an agent to buy the plans required.

Star Health Insurance Network Hospital:

Star Health Allied Insurance is associated with more than 8,200 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 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 hospital 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.

Star Health Insurance - FAQs

Q1. 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.

Q2. Is there any limit on the number of claims that an insured can take in one year?

Ans. There is no limit on the numbers of the 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.

Q3. 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.

Q4. 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.

Condition

Spouse, Dependent Children, and Self

Parents

Deduction Under the Section 80D

Individual and his/her family are less than 60 years of age.

Rs. 25,000

Rs. 25,000

Rs.50,000

Individual and his/her parents are of age 60 years or above

Rs. 30,000

Rs. 30,000

Rs. 60,000

Individual and his/her family are below the age of 60 years and parents are above the age of 60 years

Rs. 25,000

Rs. 30,000

Rs. 55,000

 

Q5. 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

Q6. 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 of the claim, s/he 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.

Q7. Is it possible to check star health claim status of Star Health Insurance?

Ans. As soon as an insured informs the company, the process for approval starts immediately. For cashless claims, it generally gets settled within 2 hours. However, to check the star health claim status online go to the website of Star Health Insurance. There on the 'Home' page, there is 'Claims' section at the top, click 'Claims Status'. After that enter ID and claim intimation number and then click 'Submit'. Star Health Hospital List is displayed after this, click on one of the hospitals where the treatments were done and submit. The Star Health Insurance Claim Status is displayed.

Q8. What is the process to fill up the claim form of Star Health and Allied Insurance?

Ans. The claim form is available on the website of the insurance provider, download it from there. All the guidelines are provided on the form only. The 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 claim form asks about the personal details, hospitalization details, insurance history, bank account details, and details of the claim of the policyholder.

Q9. 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.

Q10. 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 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 payments can be paid either via debit card, net banking, and credit card.

Star Health Insurance Reviews

TOTAL REVIEWS (50)
Neeraj
Solapur
October 10, 2016

Star Health Insurance

Nowadays, The risk of health is increases and to recover that problems we have to prepared. I have purchased the star health insurance policy, it has low premiums and more benefits. Policy coverage is high approx.90% and claims are even much better.

Shushant
Lonavla
October 04, 2016

"Health is Wealth"

Policy i have is star health insurance plan. The policy coverage is high and claims are even better. Claiming is easy due to fast response given by the executives and the team members of the company. The ambulance is facilitate by the hospital which is absolutely free of charge.

Ritesh
Nasik
September 24, 2016

Very much happy with the service..

Extremely satisfied with the service star health provided to me when my son was admitted ,I totally concentrated on my son without worrying about bill.

Vibhuti
Ambur
September 02, 2016

Good Policy

The star health insurance policy which gives me not a just insurance policy but this is the one which i'm from months. The service is fantastic and coverage is maximum. Ambulance service, good ratio of hospitals and online renewal of the insurance plan and many more inbuilt benefits.

Tanishk
Kherwara
August 23, 2016

Health Care

My health insurance policy is very good in benefits and give good payback returns. Policy coverage is high and claims are even better. Service is fast given by the team members of the star health general insurance. Easy renewals and online service reduces paperwork.

Rajendra
Rourkela
April 09, 2016

health insurance

I am 41yrs old need good health insurance for me and my family health benefit

MD
Howrah
March 25, 2016

family floter plan

need to details like S.A and premium amount and other benefits of the policy

Kuldeep
Udaipur
March 09, 2016

ok

1

Sanidhya
Bangalore
February 18, 2016

Excellent service

Helped me in purchasing health insurance for my parents with great ease.Each query of mine was answered properly.I highly appreciate the efforts guys who helped me at each and every step.Keep it up!! :)

Haresh
Pune
February 14, 2016

Awesome

I purchase health policy through general insurance. The service provided is super and on time. Policy coverage and claim is high but on the other side premium is low. The policy provide ambulance or cab facility which is very good for middle class people.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

YASHWANT
Thane
February 14, 2016

Low Premium

I have policy from star health. Policy coverage is 90% and the premium is low approx. Rs.1900 . The claim is high with ambulance service. Around 3000 hospitals are working with this program. Nice job guys.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

Krishna
Mumbai
February 13, 2016

"Good Coverage"

My health plan is with general insurance which have low premiums and the claim is ~Rs.2.9 lakh. The policy coverage is nice and the ambulance is free which provided from door to door.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

RUPINDER
Jammu
February 13, 2016

Health policy plan

I spend my last week in hospital, thank god i have health policy with star insurance which provide me the ambulance service from my office campus to hospital and then to home. The whole treatment is covered in policy. Took right decision on right time. Happy with plan.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710

K.
Gurgaon
February 13, 2016

Health insurance for seniors

I have health policy for me and my wife. The plan is good and responsive at any time. Policy covers 90% bills and claim is four lakh. Ambulance provide from both sides. I am tension free now. Thank you.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Abhishek
Pune
February 13, 2016

Awesome Health Plan.

Star health insurance provide me policy plan which have low premiums. The claims are high and ambulance is facilitate from door steps to hospital. Policy coverage is 90%. Number of hospitals are working under this project. Love to have this policy.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710

Hemant
Mumbai
February 12, 2016

Fair plan for health

I got health policy from star insurance with my friend's advice for my in-laws. The policy works for both of them and my wife happy too :) . Claim and policy coverage is high and the premium is low. Free ambulance service is also an additional benefit.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Mahendra
Beawar
February 11, 2016

Fantastic health plan

I have health plan with general insurance. The ambulance service is for free. Claim is Rs.4 lakh. Policy coverage is 80%. Service is really nice and on the spot, whenever wherever. I'm happy with my health policy.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01473

Naveen
Delhi
February 11, 2016

Great Plan.

Health insurance buy through star insurance. The facility of ambulance is free of any charge. Premiums is low ~Rs.1900 per month. Claims easily sanctioned and the return amount is ~Rs.3.2 lakh. Good plan for normal earning perople.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

Bhagwandin
Navi_mumbai
February 11, 2016

"Good job"

My health plan is with general insurance. Policy coverage is 95% and ambulance is from door steps to hospital for free. Claim is Rs.2.1 lakh and the amount is sanction in few days.
Plan Name: HEALTH OPTIMA
Agent Code: BPW00605

Ramesh
Mumbai
February 09, 2016

Nice Health Policy

My future unwanted visits to hospital is secure now because of general insurance. Policy have good coverage and claim Rs.3.7 lakh. Ambulance don't take charges for pick and drop. Really happy with policy.
Plan Name: MEDI CLASSIC
Agent Code: BPW01710

Raj
Noida
February 09, 2016

Old age policy.

I found a policy for my parents. The policy is perfect and the followup is great even after buying the policy. It gives ambulance from house to hospital and reverse. Rs.3 lakh is claim and 89% policy coverage.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Manoj
Thiruvananthapuram
February 09, 2016

"Good"

I have purchase health insurance from star. The policy is nicely working for me, great benefits with free ambulance service and coverage is 90% with claims approx. Rs.3 lakh. Like the policy.
Plan Name: MEDI CLASSIC
Agent Code: BPW01710

Kommareddi
West_godavari
February 08, 2016

"Superb"

I have health plan from star insurance. My policy give more and take less. Premium is low but the services, claims, coverage is high. Ambulance is facilitate without taking any charges. All the treatment is covered in policy no extra charges.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710

Subharthee
Howrah
February 08, 2016

Good plan for health.

I bought health insurance plan by star general. Ambulance charge nothing for there service and claims Rs.3.5 lakh. Policy coverage is for full damage. Service is fast and anywhere you want.
Plan Name: SENIOR CITIZEN RED CARPET POLICY
Agent Code: BPW01710

Alok
Ranchi
February 06, 2016

"Big Returns"

Buy health insurance that provides good service including ambulance at door steps which don't charge. This is personal experience that's why i wrote this. Good work guys.
Plan Name: HEALTH OPTIMA
Agent Code: BPW01710