Star Health Travel Insurance

4 / 5 based on 1 User Reviews
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Star Health Overseas Travel insurance:

Star Health and Allied Insurance Co.ltd. is a joint venture by M/s.ICICI Ventures Funds Management, M/s.Sequoia Capital, M/s.Tata Capital Growth Fund, M/s. Alpha TC Holdings Private Ltd, Singapore and M/s.Oman Insurance company UAE. It was founded in 2006. It is India’s first stand alone insurance company which provides for hassle free and direct claim settlement facilities. It has been rated as the best claim settlement insurer and has also bagged the award of ‘Claims Service Company of the Year, 2014’ at the Indian Insurance award.

Why take Overseas Travel Insurance:

Overseas travel insurance is an insurance directed towards meeting any kind of medical expenses, trip cancellation charges, loss incurred owing to damage or lost luggage while traveling, flight accidents and other such related expenses. Basically, overseas travel insurance plan takes care of an individual’s sudden expenses in connection to the trip taken abroad. It is the best kind of protection against any travel related emergencies and expenses.

Why opt for Star health Overseas travel Insurance:

Travel insurance is offered by a number of companies, However, The various overseas travel insurance plans offered by Star health are unique in their nature and each plan comes with a special value added benefit to it, thereby, taking care of all the sudden expenses that can be incurred during travel.Travel insurance by star health comes in a lot of variants.

Key Benefits of Star Overseas Travel Insurance Plan:

  • It follows a less complicated claim settlement process, thereby, ensuring faster settlement of claims.
  • The company has networking with reputed institutions abroad, which ensures smooth assistance to policy holders as and when required during their travel abroad.
  • The company also issues free health magazines to the policy buyers at a regular time interval.
  • It maintains the individual’s personal health record in an electronic format.
  • The claims presented to the company are approved within 1 hour in case of Cashless claims
  • The company has a tie-up with 4900+ hospitals around the country
  • There is a facility of 24*7 call assistance for settlement of claims

Types OfOverseas travel Insurance Plans:

The Company offers Travel insurance plans in four variants. Each of the plans comes with certain extra benefits and a unique feature.  The list of the plans on offer by the company is given below:

  1. Travel Protect- Corporate
  2. Travel Protect- Individual
  3. Travel Protect- Student
  4. Travel Protect- Family.

Travel Protect- Corporate: This insurance scheme is directed towards business men or personnel travelling abroad for business meetings or visits.

Key features Of Travel Protect- Corporate:

  • This plan provides cover for any kind of medical expenses while the policy buyers travel abroad.
  • It provides cover for expenses towards any kind of dental emergency, emergency transportation to India on medical grounds and repatriation of mortal remains.
  • This plan also gives compensations in case of accidental injuries.
  • This plan also provides cover during the travel period in the form of compensations against lost luggage post check in, any kind of delay in the flight, accommodation and travelling expenses borne by the individual due to missed flight, or expenses incurred on purchase of consumable goods owing to delay in the handing over of the checked in luggage of the insured individual by the carrier for more than 12 hours.
  • It also provides compensation in cases of stress caused due to hijack.
  • In case of expenses incurred towards obtainment of new passport, this plan provides reasonable compensation.
  • This plan also provides protection against any kind of legal liability in the form of any injury or property damage to a third party, that may arise upon the insured person during the travel period.
  • This plan also provides cover against expenses incurred in case of sending a substitute employee owing to the covered sickness or ailment of the insured employee.

Eligibility:

  • Any Indian resident, above the age of 18 years working with reputed corporate in India,  wishing to travel abroad on business trip can opt for this plan.

General Terms of the Plan:

  • A pre medical screening for policy buyers above the age of 65 years is compulsory. For people below 65 years, it is not mandatory. However, may vary on a case to case basis.
  • This plan provides cover up to USD 100000, USD 250000 and USD 500000for travelling abroad including countries like USA and Canada.
  • The policy buyer needs to inform the claims assistance company in order to register a claim with the company.

Travel Protect- Student:An insurance plan directed towards providing protection to students travelling abroad for the purpose of studying.

Key Features of Travel Protect- Student:

  • This plan provides cover for any kind of medical expenses while the policy buyers travel abroad.
  • It provides cover for expenses towards any kind of dental emergency, emergency transportation to India on medical grounds and repatriation of mortal remains.
  • This plan also gives compensations in case of accidental injuries.
  • This plan also provides cover during the travel period in the form of compensations against lost luggage post check in, and purchase of consumable goods owing to delay in the handing over of the checked in luggage of the insured individual by the carrier for more than 12 hours.
  • This plan also provides protection against any kind of legal liability in the form of any injury or property damage to a third party, that may arise upon the insured person during the travel period.
  • This plan also bears any kind of expenses in connection to the cost of bail bond in case of wrongful detention or false arrest of the policy buyer.
  • This plan provides adequate compensations in cases of visit by an immediate family member of the insured in cases of hospitalization or due to repatriation of the insured person owing to a sudden death or any kind of medical emergency in the family, resulting in disturbance in the study.
  • This plan also provides funds in the form of tuition fee reimbursements in case of death of the sponsor of the student.

Eligibility:

  • All students can opt for this plan.

Travel Protect- Individual: An insurance plan directed towards providing protection to individuals travelling abroad for the purpose of business or leisure.

Key features Of Travel Protect- Individual:

  • This plan provides cover for any kind of medical expenses while the policy buyers travel abroad.
  • It provides cover for expenses towards any kind of dental emergency, emergency transportation to India on medical grounds and repatriation of mortal remains.
  • This plan also gives compensations in case of accidental injuries.
  • This plan also provides cover during the travel period in the form of compensations against lost luggage post check in, any kind of delay in the flight, accommodation and travelling expenses borne by the individual due to missed flight, or expenses incurred on purchase of consumable goods owing to delay in the handing over of the checked in luggage of the insured individual by the carrier for more than 12 hours.
  • It also provides compensation in cases of stress caused due to hijack.
  • In case of expenses incurred towards obtainment of new passport, this plan provides reasonable compensation.
  • This plan also provides protection against any kind of legal liability in the form of any injury or property damage to a third party, that may arise upon the insured person during the travel period.
  • This plan also provides cover against cancellation of trips owing to a sudden death or any accidental injury of a family member.

Eligibility:

  • Any Indian resident, above the age of 6 months wishing to travel abroad on business trip or for pleasure purpose can opt for this plan.

General Terms of the Plan:

  • A pre medical screening for policy buyers above the age of 65 years is compulsory. For people below 65 years, it is not mandatory. However, may vary on a case to case basis.
  • The policy buyer needs to inform the claims assistance company in order to register a claim with the company.

Travel Protect- Family: An insurance plan directed towards providing protection to individual and his family traveling abroad.

Key features Of Travel Protect- Family:

  • This plan provides cover for any kind of medical expenses while the policy buyers travel abroad.
  • It provides cover for expenses towards any kind of dental emergency, emergency transportation to India on medical grounds and repatriation of mortal remains.
  • This plan also gives compensations in case of accidental injuries.
  • This plan also provides cover during the travel period in the form of compensations against lost luggage post check in, any kind of delay in the flight, accommodation and travelling expenses borne by the individual due to missed flight, or expenses incurred on purchase of consumable goods (such as toiletries, medicines and clothes) owing to delay in the handing over of the checked in luggage of the insured individual by the carrier for more than 12 hours.
  • It also provides compensation in cases of stress caused due to hijack.
  • In case of expenses incurred towards obtainment of new passport, this plan provides reasonable compensation.
  • This plan also provides protection against any kind of legal liability in the form of any injury or property damage to a third party, that may arise upon the insured person during the travel period.
  • This plan also provides cover against cancellation of trips owing to a sudden death or any accidental injury of a family member.

Eligibility:

  • Any Indian resident and his family, lying above the age of 6 months and below the age of 65 years wishing to travel abroad for pleasure purpose can opt for this plan.
  • However, only the individual, spouse and two dependent children (below the age of 18 years) will be provided coverage under this plan.
  • In Cases of more than two dependent children and up to 4 dependent children, the coverage can be provided to all by ways of additional premium payment amounting up to 25% of the original premium per child.

General Terms of the Plan:

  • A pre medical screening for policy buyers above the age of 65 years is compulsory. For people below 65 years, it is not mandatory. However, may vary on a case to case basis.
  • The policy buyer needs to inform the claims assistance company in order to register a claim with the company.

Applying for Overseas Travel Insurance Plans from Star Health

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

  • Individuals wishing to buy overseas travel 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 call back.
  • Online health insurance plans can be simply applied to by clicking the ‘Buy Now’ tab mentioned against the relevant plans
  • Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required.

Process of Claim Submission: The policy buyer needs to inform the claims assistance company in order to register a claim with the company.

However, the following documents needs to be submitted while applying for a claim with the company:

  • Health card
  • Duly filled claim form
  • Doctor's consultation papers
  • Investigation reports (e.g. X-ray, scans, blood report, etc.)
  • Pharmacy invoices supported by respective prescriptions
  • In cases of accidents, Medico Legal Certificate (MLC) and / or FIR
  • Discharge summary
  • Other relevant documents
  • Documents other than the Health Card should be submitted in original.

In cases of an emergency, the policy buyer is required to intimate Star Health within 24 hours of the accident/ illness/ hospitalization. The required Intimation can be made either by calling at the specified toll free number or by contacting the nearest branch office of Star Health. The policy buyer has to mention the Star Health ID number or the Policy number for easy reference.

Star Travel Insurance - FAQs

1. How to pay premium? What are the modes of payment available?

Star Health and Allied Insurance offers a total online solution for the users. They provide two options for paying the premium.

Direct Debit- Use their online payment gateway to pay the premium amount through credit card, Debit cards and NEFT

Auto Debit- You can opt for automatic debit at the time of policy purchase. Alternatively, you can request for the same by contacting helpdesk toll-free.

2. How can I check policy status for Star travel insurance?

Only registered users can login to the e-portal, with valid username and password to check the policy status.

If you are not, then simply follow the steps mentioned in the “Register Now” section to create an account. Once done, you can login to the e-portal

3. What is the policy renewal process for Star travel insurance?

You can renew the policy by online and offline modes.

Online Mode involves payment via debit/credit care or Net Banking if you have an online account.

Offline mode involves auto-debit or cash/cheque deposit at any of the Star Health and Allied Insurance branches in your city.

4. What is the company’s process to settle claim for Star travel insurance?

Star Health and Allied Insurance settles claims within 7 working days of filing the accidental claim. Furthermore, cashless medical claim is also available from the insurer, provided you select the hospital that is on the insurer’s panel. If however you choose a non-network hospital, the insurance company should be contacted within 24 hours of hospitalization with Star Health card number and other medical details to avail cashless facility.

5. What is the policy cancellation process for Star travel insurance?

You get a 15-days free look period to cancel the policy. If however, at anytime you choose to cancel the policy, you need to submit a duly filled Surrender form and the policy documents to any of the nearest branch in your city.

The premium will be directly debited to your bank account. However, the refund premium is paid after deducting the cost of medical tests, and stamp duty charges.

Star Health Travel Insurance Reviews

TOTAL REVIEWS (1)
Tanishk
Gangtok
May 17, 2016

Above Average

I bought star health travel insurance which is nice with some good benefits. The premium of the plan is low and the policy coverage is high. The luggage and dental related staff are included in the policy plan. Just the refund of the tickets is not possible, rather than this the policy is awesome. I'm satisfied with it.