Star Health Insurance Claim Settlement Ratio

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      Star Health Insurance Claim Settlement Ratio

      Star Health Insurance Claim Settlement Ratio (CSR) defines the percentage of claims that Star Health & Allied Insurance has settled in the fiscal year Simply put, CSR is the ratio of the insurance claims settled against the total number of claims received by the insurer in a financial year. It enables customers to decide how likely an insurance company is to settle their claims.

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      Star Health and Allied Insurance Company has earned a claim settlement ratio of 81.7% in FY 2021-22. Moreover, the insurer also has an in-house claim settlement team that ensures zero-intervention of a Third Party Administrator (TPA) and timely settlement of claims.

      Claim Process of Star Health Insurance Plans

      Star Health Insurance policyholders can file two types of claims- cashless and reimbursement claims. The procedure to file both types of claims is mentioned below

      Claim Process for Cashless Treatment:

      To raise a Star Health Insurance cashless claim, follow the below-mentioned steps:

      • Inform the insurer about your planned hospitalization at least 2 days in advance and emergency hospitalization within 24 hours.
      • Present your identity proof at the health insurance desk at the network hospital.
      • Once your identity has been verified, fill up the pre-authorization form and submit it at the hospital. The hospital will submit the form to the insurer.
      • The in-house claim settlement team will analyze the documents and grant approval for cashless treatment as per the terms and conditions of the policy.
      • Once you are discharged and all the formalities are complete, Star Health & Allied Insurance will settle your bills directly with the hospital.

      Claim Process for Reimbursement Treatment:

      To claim for reimbursement, follow the below-mentioned steps:

      • Notify Star Health & Allied Insurance about your emergency hospitalization within 24 hours and planned hospitalization at least 2 days in advance.
      • At the time of discharge, pay all the medical bills and keep all the original receipts and documents with you.
      • After that, you will need to fill out the Star health insurance claim form and submit it along with all the required documents.
      • The insurer will verify the documents and settle the claim as per the terms and conditions of the policy.

      Documents Required for Star Health Insurance Claims

      The documents required to reimburse your Star health insurance claim are given below- 

      • Duly signed and filled out Star health insurance claim form
      • Medical bills, discharge certificate and receipts
      • Original chemist bills with prescription
      • Medical test reports and investigation reports
      • Nature of the surgery/operation 
      • Surgeon's bills and receipts
      • FIR for accidental cases

      For more details, you can speak to the health insurance experts at, who can take you through the entire Star health insurance claim procedure.

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