Star Health Insurance

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?

Features

Specifications

Network hospitals

9,900+

Claim settled within 2 hours

90%

Pre-existing diseases waiting period

4 years

No. of lives insured since inception

16.9 crore

Incurred Claim Ratio*

63%

Total claims settled since inception

4.9 million

No Claim Bonus

5% to 100%

TPA Investment

No

Free Look Period

15 days

Grace Period

30 days

Policy Renewability

Lifetime

*Incurred Claim Ratio - FY 2018-2019


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 health 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.

Why Should You Buy Star Health Insurance?

There are some additional features of Star Health Insurance Company which are mentioned below:

  • 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 plans. This practices direct in-home claim settlement.

List of Star Health Insurance Plans

There are vast range of health insurance plans offered by Star Health Insurance

Following is the list of health insurance plans by Star Health Insurance Company

  • Star Family Health Optima Insurance Policy
  • Star Senior Citizens Red Carpet Insurance Policy
  • Star Comprehensive Insurance Policy
  • Star MediClassic Insurance Policy (Individual)
  • Star Health Gain Insurance Policy
  • Star Super Surplus Insurance Policy
  • Star Diabetes Safe Insurance Policy
  • Star Cardiac Care Insurance Policy
  • Star Net Plus Insurance Policy
  • Star Care Micro Insurance Policy
  • Star Criticare Plus Insurance Policy
  • Star Family Delite Insurance Policy
  • Star Cancer Care Gold (Pilot Product)
  • Star Special Care Insurance Policy

Best Star Health Insurance Plans Explained

Star Health Insurance Company has a vast profile of health insurance plans in order to fulfil the requirements of customers. Below are the comprehensive list of Star health insurance plans along with their features and coverage benefits:

  • Star Family Health Optima Insurance Plan

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

    Key Features:

    • Star Health Family Health Optima is issued as a single policy, covering health insurance of the entire family.
    • Auto-recharge is available up to 300% of sum insured (100% three times).
    • 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 Criteria:

    Minimum Entry Age

    Adult - 18 years
    Children - 16 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 1 lakh to Rs 25 lakh

    Number of Family Members Included

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

  • Star Senior Citizens Red Carpet Health Insurance Plan

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

    Key Features:

    • 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 Criteria:

    Minimum Entry Age

    60 years

    Maximum Entry Age

    75 years

    Sum Insured

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

    Number of Family Members Included

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

  • Star Comprehensive Health Insurance

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

    Key features:

    • 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 Criteria:

    Minimum Entry Age

    Adult - 18 years
    Children - 3 months

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 5 lakh to Rs 1 crore

    Number of Family Members Included

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

  • Star MediClassic Health Insurance

    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 Criteria:

    Minimum Entry Age

    5 months
    Gold Plan - 16 days

    Maximum Entry Age

    65 years

    Sum Insured

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

    Number of Family Members Included

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

  • Star Health Gain Insurance Plan

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

    Key Features:

    • 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 Criteria:

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 1 lakh to Rs 5 lakh

    Number of Family Members Included

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

  • Star Super Surplus Insurance Plan

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

    Key features:

    • 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 Criteria:

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

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

    Number of Family Members Included

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

  • Star Diabetes Safe Insurance

    Diabetes Safe Insurance Plan is for diabetic patients.

    Key Features:

    • 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 Criteria:

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 3 lakh to Rs 10 lakh

    Number of Family Members Included

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

  • Star Cardiac Care Health Insurance

    Star Cardiac health insurance plan is designed specially for heart patients.

    Key Features:

    • 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 Criteria:

    Minimum Entry Age

    10 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 3 lakh and Rs 4 lakh

    Number of Family Members Included

    Individual only

  • Star Criticare Plus Health Insurance

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

    Key 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 basis

    Eligibility Criteria:

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 2 lakh to Rs 10 lakh

    Number of Family Members Included

    Individual only

  • Star Cancer Care Gold (Pilot Product)

    Cancer Care Gold (Pilot Product) is the first Indian health insurance plan that Star Health has designed on a pilot basis, for people who have been diagnosed with cancer. The coverage is provided on an individual basis.

    Key Features:

    • 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.

    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

    *Tax benefit is subject to changes in tax laws

    Eligibility Criteria:

    Minimum Entry Age

    5 months

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 3 lakh and Rs 5 lakh

    Number of Family Members Included

    Individual only

  • Star Special Care Insurance Policy

    Star Special Care Health Plan is specifically designed by Star Health Insurance Company for children suffering from Autism Spectrum Disorder. Parents can buy this plan for their child with special needs and be sure of getting him/her the best possible treatment.

    Key Features:

    • SStar Health Insurance Special Care policy is designed to offer medical insurance for kids who’ve been diagnosed with Autism Disorder.
    • Any kid between 3 years and 25 years of age and diagnosed with Autism disorder is covered.

    Eligibility Criteria:

    Minimum Entry Age

    3 years

    Maximum Entry Age

    25 years

    Sum Insured

    Rs 3 lakh

    Number of Family Members Included

    Individual only

  • Star Health Novel Coronavirus Insurance Policy

    Star Health Insurance Company has designed Star Novel Coronavirus insurance policy for COVID-19 positive people. The insurer pays a lump sum amount to treat hospitalization expenses.

    Key Features:

    • Star Novel Coronavirus COVID-19 policy offers sum insured on an individual basis.
    • The applicants do not need to undergo medical screening before buying the policy.
    • 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.
    • Cashless facility is available at network hospitals.

    Eligibility Criteria:

    Minimum Entry Age

    Adult - 18 years
    Children - 3 months

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 21,000 and Rs 42,000

    Number of Family Members Included

    Individual only

  • Star Outpatient Care Health Insurance Policy

    The 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:

    • This policy does not require applicants to undergo any medical check-up.
    • It provides coverage for expenses incurred on outpatient consultation at any network facility of Star Health Insurance.
    • It covers the cost of outpatient treatment taken at Ayurveda, Homeopathy, Unani, Yoga, Siddha and Naturopathy centres.
    • 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:

    Minimum Entry Age

    Adult - 18 years
    Children - 31 days

    Maximum Entry Age

    Adult - 50 years
    Children - 25 years

    Sum Insured

    Rs 25,000 to Rs 1 lakh

    Number of Family Members Included

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

  • Star Health Insurance: Arogya Sanjeevani Policy

    The Arogya Sanjeevani Policy offered by Star Health is a simple health insurance policy with a comprehensive range of coverage and benefits. This policy has been designed to cover all essential treatments while being an extremely affordable health insurance plan.

    Key Features:

    • This policy, Star Health 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.
    • It provides coverage for all day care procedures.
    • It covers pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days.
    • It provides coverage for 12 modern treatments, including oral chemotherapy, stem cell therapy, robotic surgeries, balloon sinuplasty, bronchial thermoplasty and deep brain stimulation among others.
    • It covers the cost of in-patient treatment taken at a hospital for Ayurveda, Naturopathy, Siddha, Yoga, Unani and Homeopathy.
    • The premium for the policy can be paid in monthly/ quarterly/ half-yearly or yearly instalments.
    • It provides No Claim Bonus of 5% on every claim-free year for up to a maximum of 50% of the sum insured.

    Eligibility Criteria:

    Minimum Entry Age

    3 months

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 1 lajkh to Rs 10 lakh

    Number of Family Members Included

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

  • Star Hospital Cash Insurance Policy

    Star Hospital Cash Insurance Policy enables the policyholder to receive a daily cash allowance for day-to-day hospital expenses, such as food, travel, etc. It provides additional protection by covering incidental expenses of the policyholder. This plan is available in two variants – Basic and Enhanced plan.

    Key Features:

    • 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.
    • It provides coverage for 10 day care procedures with the flexibility of availing the treatment for up to five times in a year under the Day Care Hospital Cash.
    • Convalescence Hospital Cash, Worldwide Hospital Cash and Child Birth Hospital Cash are available under the Enhanced plan only.

    Eligibility Criteria:

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 65 years
    Children - 25 years

    Sum Insured

    Rs 1000 to Rs 5000 per day

    Number of Family Members Included

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

  • Star Health Insurance: Corona Rakshak Policy

    The 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.

    Key Features:

    • 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:

    Minimum Entry Age

    18 years

    Maximum Entry Age

    65 years

    Sum Insured

    Rs 50,000 to Rs 2.5 lakh

    Number of Family Members Included

    Individual only

  • Young Star Insurance Policy

    Young Star Insurance policy has been designed specially to cover the health needs of people up to the age of 40 years. It covers individuals as well as the entire family along with the provision of mid-term inclusion of newly married spouse and children. This policy is available in two types of plans i.e. Silver and Gold plan.

    Key Features:

    • Young Star Health Insurance Policy does not require its applicants to get any pre-policy medical check-up done.
    • It allows for mid-term inclusion of legally married spouse, new born baby as well as a legally adopted child.
    • It covers in-hospitalization treatment expenses, such as room rent, medicines, ICU charges, tests charges, doctor’s fee, etc.
    • It comes with no capping on room rent and provides a single private AC room in the hospital.
    • It provides coverage for pre-hospitalization costs for 60 days and post-hospitalization costs for 90 days.
    • The delivery expenses and hospital cash benefit is available only under the Gold plan.
    • It offers annual health check-ups to all policyholders up to a certain limit, except under the floater cover of Rs 3 lakh SI.
    • 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 allows for automatic restoration of the sum insured up to 100% every year in case of partial or total utilization of sum insured.
    • It comes with Star Wellness Program that allows you to earn points that can be availed as renewal discounts.
    • This policy comes with the option of paying the premium in monthly/ quarterly, semi-annual/ annual instalments.

    Eligibility Criteria:

    Minimum Entry Age

    Adult - 18 years
    Children - 91 days

    Maximum Entry Age

    Adult - 40 years
    Children - 25 years

    Sum Insured

    Rs 3 lakh to Rs 1 crore

    Number of Family Members Included

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

  • Star Health Corona Kavach Policy

    The 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::

    • 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 centre.
    • This Star Mediclaim plan comes with an optional cover of hospital daily cash.

    Eligibility Criteria:

    Minimum Entry Age

    Adult - 18 years

    Children - 1 day

    Maximum Entry Age

    Adult - 65 years

    Children - 25 years

    Sum Insured

    Rs 50,000 to Rs 5 lakh

    Number of Family Members Included

    Individual Policy - 1 adult member

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

  • Star Accident Care Health Insurance Policy

    The Star Accident Care policy has been designed to cover people against accidental injuries. Star personal accident insurance plans provide coverage against accidental death and disability.

    Key Features:

    • 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 total disability arising out of an accident.
    • Some of these plans also cover temporary disablement.
    • 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 available.

    Star Health Insurance offers personal accident insurance plans for individuals, students and families. It also provides group personal accident plan for corporates. Take a look at the various Star Personal Accident Insurance plans:

    • Student Care
    • Accident Care Individual Insurance Policy
    • Family Accident Care Insurance Policy
    • Group Accident Insurance

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:

  • 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.
  • 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.

Star Health Insurance Policy Exclusions

The following conditions are not covered in Star Health Insurance policies-

  • Injury or illness arising out of war or nuclear radiations
  • Non-allopathic medicine expenses
  • Naturopathy treatments
  • Maternity-related expenses, childbirth, infertility, congenital illnesses, etc.
  • Hospital registration costs, admission cost, telephone costs or other related charges.
  • Cosmetic surgery, surgery for changing sex, plastic surgery, etc.
  • Certain specific diseases like Hernia, Fistula, Sinusitis, Piles, etc are not covered during the first year of the policy
  • Pre-existing illness will not be covered before 48 months

For a detailed list, please refer to the Star Health Insurance policy wordings.


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

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

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.

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

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

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.

List of Documents Required for Star Health Reimbursement of 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

List of Documents Required for Star Health Cashless Claims

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

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 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 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 Company Contact Details

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 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.
  • Q. Is there any limit on the number of Star Health claims that an insured can take in one year?

    Ans: There is no limit on the numbers of the Star Health claims an insured can avail in one year, but there is a limitation on Sum Insured, which is the maximum allowed limit as per the policy.
  • Q. Can a non-Indian take health policy of Star?

    Ans: Yes, any non-Indian can take the health insurance plan of Star, but the coverage will be available across India only.
  • Q. Does one get a tax benefit for buying a health insurance plan for Star Health Insurance?

    Ans: The premiums that one pays for Star Health Insurance health policies are eligible for tax exempted under section 80D of the Income Tax Act, 1961.
  • Q. What is the list of diseases that Star Health Insurance Cover?

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

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

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

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

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

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

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

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

Written By: PolicyBazaar - Updated: 19 October 2020
5,020,359 Confirmed Cases in India*
34,478,590 Confirmed Cases worldwide*
931,582 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 70 Reviews)
Star Health Insurance Reviews & Ratings
4.8 / 5 (Based on 70 Reviews)
(Showing Newest 9 reviews)
Raveena
S.c. Pur, August 31, 2020
Renew it like a pro
I have recently renewed my health insurance policy from the star health insurance. I got this done from the website of the star health and it is easy to be done. All thanks to whole team.
Rachita
Dabhoda, August 31, 2020
Customer support
I have got a good customer support from the star health insurance policy. The customer care team of the star health is really helped me in getting best services and they are of great help. Thank you team.
Bani
P.s.murli, August 26, 2020
Renew your plan
I have taken the health insurance policy from the star health insurance and it has been so easy. It is also easy to renew your plan from the website of the policybazaar. Thank you so much team.
Asin
Oachira, August 26, 2020
Special treatment
I have taken the health insurance policy from star health insurance and it has given me the special treatment and I can get better facilities under the health policy from star health insurance. Thank you star health insurance.
Aisha
Laharpur, August 26, 2020
Claim settled easily
I checked into the website of the star health insurance policy and got myself a health insurance policy. I bought from star health because it has best claim settlement ratio. It is indeed a nice plan and I really like it. Thank you policybazaar.
Harish
Laitkynsew, June 21, 2020
Claim related issue
I faced a claim problem at the time of settling my health insurance claim. I tried calling to customer care team and they were assisting me to send a representative for the same. But it was delayed. I complaint for the same but later on the whole matter was solved and my claim settled after 2-3 days.
Saanvi
Odhav, June 21, 2020
Medical test was done late
I got my health insurance policy from policybazaar.com. It is a good company as I checked positive notes regarding the same. But I experienced little bad as my medical check-up delayed for 3-4 days. I tried contacting them and they were assisting me all the time. Some problem took place but I am happy that at-least team is there to assist.
Arun
Kadamakudi, June 21, 2020
Delay in services
I was planning to take the health insurance plan for my family. I searched for plans and took the best one from star health insurance under policybazaar website. Though the services are quite impressive but my soft copy and hard copy issuance got delayed. I got my soft copy in two days and hard copy in 10-14 days. But lately they apologized for some technical glitch and now the things are fine.
Dharmesh
Faridabad, June 21, 2020
Recommended by people
I was searching for a health insurance plan for myself. As I lately got to know that it is very much important. So, my friend recommend me to get a health insurance from policybazaar. I searched for the plans over there and got to know about star health plans. Super and cost effective policy for all.
 
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL