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Star Health Insurance is one of the leading health insurance providers in the country. Formed in the year 2006, the insurance company caters to the varied needs of individuals, offering a range of products in health insurance. In addition to health insurance, it also offers policies for personal accident protection and Overseas Mediclaim.
The insurer has a pan-India presence, with 430 plus branches located across the country. It has a network hospital base which includes over 8,000 hospitals, ensuring that policyholders can avail the facility of cashless hospitalisation at ease. The company has also been presented with numerous awards since its inception.
Factor | Details |
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Health insurance plans | 15 unique health insurance plans |
E-services offered | Renew policy online, Intimate claim ,Check claim status |
Branch offices | More than 460 branches |
Incurred claims ratio (2016-17) | 60.15% |
Cashless claims | 90% of claims settled within 2 hours |
Network hospitals | More than 9,800 hospitals |
Swasth Wellness Initiative |
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Doctor visit | All insured individuals who are hospitalised are visited by doctors partnered with the insurer |
Customers do not have to go through the hassle of contacting or dealing with any third-party administrator as all claims made will be settled directly through an in-house mechanism.
The toll-free helpline is active round the clock and a well-equipped customer service team will help customers resolve queries, settle claims, make renewals or purchases. Any other insurance related query will be attended to in a speedy and efficient manner by the customer support team.
One of the other perks include a complimentary health magazine that helps policyholders understand the basics of health. Tips and notes on how to maintain good health will also be provided.
Star Health Insurance has a wide network of more than 7,800 cashless network hospitals across the country where customers can get good quality health care services without any hassles.
Plan Name | Plan Basis(individual, family, etc.) | Sum Insured (Min and Max) |
---|---|---|
Family Health Optima | Individual and family | Min: Rs.1 lakh |
Senior Citizens Red Carpet | Individual | Up to Rs.25 lakh |
Star Comprehensive Policy | Individual and family | Rs.5 lakh to Rs.1 crore |
Medi-Classic Insurance | Individual and Family | Rs.1.5 lakh to Rs.15 lakh |
*Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.
The Family Health Optima plan offers an auto recharge benefit that allows the policyholder to increase the value of the sum insured. This is a family policy that offers good coverage.
Entry Age | 18 to 65 years |
Plan Basis | Individual and Family |
Sum Insured Range | Min: Rs.1 lakh |
Co-Payment | 20% |
Waiting Period | 30 days |
Get More Info on Star Family Health Optima
This policy is specially formulated for the older generation and comes with a host of benefits customized to their needs.
Entry Age | Between 60 to 75 years |
Sum Insured Range | Up to Rs.7.5 lakh and Rs.10 lakh |
Medical Screening | Not required |
Discounts | 5% discount on premium for online purchase |
Get More Info on Star Senior Citizens Red Carpet
The Star Comprehensive Policy offers extensive coverage options. Some of the perks of this health plan include unlimited room rent and treatment cost coverage.
Entry Age | 3 months to 65 years |
Plan Basis | Individual and Family |
Sum Insured Range | Rs.5 lakh to Rs.1 crore |
This health insurance policy allows individual policyholders to avail a set of benefits.
Policy Term | 1 and 2 years |
Entry Age | 5 months to 65 years |
Plan Basis | Individual and Family |
Sum insured | Rs.1.5 lakh to Rs.15 crores |
No Claim Bonus | From 5% to 25% |
Discounts | 5% bonus |
The Star Health Gain Insurance policy offers coverage for inpatient and outpatient expenses and policyholders have the choice of choosing the premium and the sum assured of the policy as per their financial situation.
Policy Term | 18 years to 65 years | For children: 91 days to 25 years (must be economically dependent on parents) |
Entry Age | 91 days to 65 years | |
Plan Basis | Individual and Family Floater | |
No Claim Bonus | From 5% to 25% | |
Sum assured range | Rs.1 lakh to Rs.5 lakh |
Get More Info on Star Health Gain Insurance Policy
The Star Health Super Surplus Insurance policy is a top-up policy and individuals and families can choose a higher sum assured at an affordable premium.
Plan Types | Gold Plan and Silver Plan |
Entry Age |
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Plan Basis | Individual and Family Floater |
Exit Age | No exit age, lifelong renewal |
Free look period | 15 days |
Get More Info on Star Super Surplus Insurance Policy
The Star Health Diabetes Safe Insurance policy is specifically designed for customers who suffer from Type 1 and Type 2 diabetes and other medical complications arising from diabetes.
Plan Types | Plan A and Plan B |
Entry Age | 18 years to 65 years |
Plan Basis | Individual and Family Floater |
Bonus feature | Automatic restoration of entire sum assured |
Grace period | 30 days from the expiry of the policy |
Get More Info on Star Diabetes Safe Insurance Plan
The Star Cardiac Insurance Policy offers coverage for those who require heart surgery following their first heart attack.
Plan Types | Gold Plan and Silver Plan |
Entry Age | 10 years to 65 years |
Plan Basis | Individual Plan |
Sum assured options | Rs.3 lakh and Rs.4 lakh |
Policy Tenure | 1 year |
Get More Info on Star Cardiac Care Insurance Policy
The Star Cancer Gold is the first health insurance product that caters specifically to treatment of those suffering from cancer.
Plan Type | Pilot product |
Entry Age | 5 months to 65 years |
Plan Basis | Individual Plan |
Sum assured options | Rs.3 lakh and Rs.5 lakh |
Policy Tenure | 1 year |
Available in Tier I and Tier II cities, the Star Care Micro Insurance Policy
Plan Type | Pilot product |
Entry Age | 18 years to 65 years |
Plan Basis | Individual and Floater basis |
Renewability | Whole life |
Claim settlement | Cashless at network hospitals |
The Star Criticare Plus Insurance policy offers coverage for treatment of 9 critical illnesses.
Plan Type | Critical illness policy |
Entry Age | 18 years to 65 years |
Plan Basis | Individual and Family Floater Plan |
Free-look period | 15 days |
Claim settlement | Cashless at network hospitals |
Get More Info on Star Criticare Plus Insurance Policy
The Star Family Delite offers coverage for medical expenses for the entire family at an affordable premium.
Waiting period | 18 years to 65 years | 5 months to 25 years (for dependent children) |
Entry Age | 5 months to 65 years | |
Plan Basis | Family Floater Plan | |
Free-look period | 15 days | |
Claim settlement | Cashless at network hospitals |
The Star Special Care health insurance policy is an individual policy that offers coverage for hospitalisation expenses for children suffering from Autism.
Sum assured | Rs.3 lakh |
Entry Age | 3 years to 25 years |
Plan Basis | Individual Plan |
Co-payment | Up to 20% of the claim amount |
Policy Tenure | 1 year |
Get More Info on Star Health Customer Care
Customizable plans |
Online purchase |
Hassle-free claim settlement |
Incurred claim ratio basically refers to percentage of claims that are successfully solved by the insurance company in a given financial year.
Year | Incurred Claim Ratio |
2016-17 | 60.51% |
Wellness portal and health zone | The portal on wellness provides customers interesting insights on health |
Grievance redressal | A designated forum allows users to lodge complaints if any |
Star Health insurance policies are easy to renew online and can be done in a matter of minutes. Let's explore how:
With a pan India network of cashless claim hospitals, customers can avail direct treatment without the involvement of any third-party representatives. This allows policyholders to make direct claims and enjoy the benefit of good quality health care services.
Listed below is the cashless claim procedure in the case of planned admission or emergency admission in any of the network hospitals of Star Health Insurance:
In the case of a reimbursement claim, if the insured person received treatment at a non-network hospital of Star Health Insurance, he/she will have to cover the hospitalisation expenses on discharge from hospital and submit all the relevant documents within 30 days from discharge from hospital for the reimbursement.
Get More Info on Star Health Network Hospitals
To avail the benefit of a cashless claim settlement, the policyholder has to submit the below-listed documents at the network hospital of Star Health Insurance:
8 April 2019
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