• Star Health Insurance - Compare plans, reviews & renew online

    Health Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

    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.

    Star Health Insurance HighlightsUpdated on 26 Jun 2019

    Factor Details
    Health insurance plans 14 unique health insurance plans
    E-services offered Renew policy online, Intimate claim ,Check claim status
    Branch offices More than 430 branches
    Incurred claims ratio (2016-17) 60.15%
    Cashless claims 87% of claims settled within 2 hours
    Network hospitals More than 8,400 hospitals
    Swasth Wellness Initiative
    • Health magazine
    • Articles and videos about health
    • Health tools
    Doctor visit All insured individuals who are hospitalised are visited by doctors partnered with the insurer

     

    Features & Benefits of Star Health Insurance

    • Direct claim settlement:

      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.

    • 24/7 customer support:

      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.

    • Free health magazine:

      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.

    • Cashless network hospitals:

      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.

    Plans provided by Star Health Insurance

    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.7.5 lakh and Rs.10 lakh
    Star Comprehensive Policy Individual and family Rs.5 lakh to Rs.25 lakh
    Medi-Classic Insurance Individual and Family As per the policy document

    *Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

    Family Health Optima

    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.

    Unique Features Of Family Health Optima

    • This policy provides coverage for reproductive treatments, newborn baby
    • The policy also takes care of costs related to daycare treatments and domiciliary hospitalization treatment
    • Organ donor costs will be covered under the policy
    • Free health checks can be availed by customers after every claim free year
    • Ambulance charges including air ambulance

    Plan Details

    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

    Senior Citizens Red Carpet

    This policy is specially formulated for the older generation and comes with a host of benefits customized to their needs.

    Unique Features of Senior Citizens Red Carpet

    • This health insurance policy provides coverage to pre-existing conditions after a waiting period
    • Hospitalization related expenses such as room charges, nursing, surgeon fee, medicine costs, etc, will be covered
    • Ambulance charges, pre and post hospitalization cover will be provided
    • Day care treatment will be provided under the policy

    Plan Details

    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

    Star Comprehensive Policy

    The Star Comprehensive Policy offers extensive coverage options. Some of the perks of this health plan include unlimited room rent and treatment cost coverage.

    Unique Features of Star Comprehensive Policy

    • Bariatric surgery and related complications covered under this plan
    • No upper limit on treatments costs and room rent
    • Maternity costs covered
    • Policyholders can avail free health check-up after the completion of 3 claim-free years
    • Other covers include transportation services, second opinion, dental, daily allowances, day care, and personal accident cover

    Plan Details

    Entry Age 3 months to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Rs.5 lakh to Rs.25 lakh

    Medi-classic Insurance Policy

    This health insurance policy allows individual policyholders to avail a set of benefits.

    Unique Features of Medi-classic Insurance Policy

    • Tax benefit applicable
    • Free health check-up
    • Day care treatment, hospital allowances, patient care, hospitalization expenses such as medicines, room, boarding, nursing, doctor and surgeon fee
    • Pre and post hospitalization cover, ambulance fee
    • Non-allopathic treatment, pre-existing disease cover,

    Plan Details

    Policy Term 1 and 2 years
    Entry Age 5 months to 65 years
    Plan Basis Individual and Family
    No Claim Bonus From 5% to 25%
    Discounts 5% bonus

    Star Health Gain Insurance policy

    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.

    Unique features of the Star Health Gain Insurance policy

    • Depending on their financial ability, policyholders have 4 premium options – Rs.15,000. Rs.20,000, Rs.25,000, and Rs.30,000.
    • Policy applicants can choose either an individual policy or a family floater policy.
    • The term of the policy is for a period of 1 year.
    • Policyholders can choose a sum assured of Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh.
    • The policy covers inpatient and outpatient expenses.

    Plan Details

    Policy Term 1 year
    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

    Super Surplus 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.

    Unique features of the Super Surplus Insurance Policy

    • No medical screening is required to purchase the top-up policy.
    • Policyholders can choose either the Gold Plan or the Silver Plan.
    • Coverage for pre-exiting diseases after a waiting period of 36 months.
    • Offers coverage for pre-hospitalisation and post-hospitalisation expenses.
    • Sum assured can be chosen by the policyholder.

    Plan Details

    Plan Types Gold Plan and Silver Plan
    Entry Age
    • 18 years to 65 years for adults
    • 91 days to 25 years for children
    Plan Basis Individual and Family Floater
    Exit Age No exit age, lifelong renewal
    Free look period 15 days

    Diabetes Safe 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.

    Unique Features of the Diabetes Safe Insurance Policy

    • Policyholders have the choice of 2 plans – Plan A and Plan B. Plan A does not have a medical screening and a waiting period while Plan B has a waiting period of 12 months.
    • Coverage for outpatient expenses.
    • Coverage for donor expenses in the case of a kidney transplant.
    • Includes cost to buy artificial limbs.
    • Coverage of day care procedures.

    Plan Details

    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

    Star Cardiac Care Insurance Policy

    The Star Cardiac Insurance Policy offers coverage for those who require heart surgery following their first heart attack.

    Unique features of the Star Cardiac Care Insurance Policy

    • Coverage for heart surgery 90 days from the initiation of the policy.
    • Coverage for hospitalisation and outpatient expenses as well.
    • Personal accident cover equal to the sum assured of the base policy.
    • Policyholders can choose the co-payment feature to reduce the premium of the policy.
    • No medical screening required prior to the purchase of the policy.

    Plan Details

    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

    Star Cancer Care Gold (Pilot Product)

    The Star Cancer Gold is the first health insurance product that caters specifically to treatment of those suffering from cancer.

    Unique features of the Star Cancer Care Gold

    • Policyholders have the choice of choosing a sum assured of Rs.3 lakh or Rs.5 lakh.
    • The product is offered for a limited period.
    • No medical screening required for applicants.
    • Lump sum payout of 50% of the sum assured when the policyholder is diagnosed with cancer.
    • Policyholders can choose the co-payment option up to 10% of claim amount.

    Plan Details

    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

    Star Care Micro Insurance Policy

    Available in Tier I and Tier II cities, the Star Care Micro Insurance Policy

    Unique features of the Star Net Plus

    • Hospital cash benefit if treatment is received at a Government Hospital.
    • Coverage for pre-hospitalisation and post-hospitalisation expenses.
    • Coverage of ICU charges up to Rs.2,000 per day, subject to maximum of Rs.10,000.
    • Coverage for ambulance charges up to Rs.500 per instant, subject to Rs.1,000 during the policy period.
    • Coverage for room and nursing expenses.

    Plan Details

    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

    Star Criticare Plus Insurance Policy

    The Star Criticare Plus Insurance policy offers coverage for treatment of 9 critical illnesses.

    Unique features of the Star Criticare Plus Insurance Policy

    • The plan offers coverage for regular hospitalisation.
    • Coverage for non-allopathic treatments.
    • Lump sum payout if the policyholder is diagnosed with a critical illness.
    • Coverage for ambulance charges.
    • Coverage for pre-hospitalisation and post-hospitalisation expenses.

    Plan Details

    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

    Star Family Delite Insurance Policy

    The Star Family Delite offers coverage for medical expenses for the entire family at an affordable premium.

    Unique Features of the Star Family Delite Insurance Policy

    • The sum assured of the policy is on a floater basis.
    • Coverage for certain day care procedures.
    • Coverage for pre-hospitalisation and post-hospitalisation expenses.
    • Coverage for treatment of specific diseases up to a certain limit.
    • Coverage for ambulance charges.

    Plan Details

    Waiting period 48 months for pre-existing diseases
    Entry Age 5 months to 65 years
    Plan Basis Family Floater Plan
    Free-look period 15 days
    Claim settlement Cashless at network hospitals

    Star Special Care

    The Star Special Care health insurance policy is an individual policy that offers coverage for hospitalisation expenses for children suffering from Autism.

    Unique features of the Star Special Care

    • The Star Special Care is an individual policy.
    • The policy is valid for a period of 1 year.
    • To reduce the premium, policyholders can opt for the co-payment option which will be up to 20% of the claim amount.
    • Coverage for room and nursing expenses up to Rs.5,000 per day.
    • The Star Special Care has a waiting period of 30 days for coverage of hospitalisation expenses.

    Plan Details

    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

    Checklist before Buying Star Health Insurance

    • Compare various plan option
    • Choose a sum insured range that suits family and personal needs
    • Customize plan according to health needs

    Documents Required for Purchasing Star Health Insurance

    • ID proof
    • Address proof
    • Medical certificates, if any

    Reasons to choose Star Health Insurance

    Customizable plans
    Online purchase
    Hassle-free claim settlement

    Incurred Claim Ratio of Star Health Insurance

    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%

    Extra Benefits from Star Health Insurance

    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 Renewal

    Star Health insurance policies are easy to renew online and can be done in a matter of minutes. Let's explore how:

    • Log on to the Star Health Insurance website
    • Choose the ‘renew online’ option and fill in policy details
    • Make the payment
    • A confirmation will be sent to your registered mobile number and email ID.

    Star Health Insurance Network Hospitals for Cashless Treatment

    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.

    Cashless Claim procedure for Star Health Insurance Policies

    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:

    • Planned Hospitalisation
      • The policyholder has to intimate the claim support team of Star Health Insurance prior to admission in hospital at 1800 425 2255.
      • The policyholder has to then download the pre-authorisation form, fill the form and self-attest it and fax it to 1800 425 5522 (toll-free) or 044 28302200 (non toll-free).
      • On the day of admission in hospital, the policyholder has to carry his/her policy ID and submit it at the hospital insurance desk.
    • Emergency Hospitalisation
      • On being admitted in a network hospital of Star Health Insurance, the accompanying member of the insured person has to contact the claim support team at 1800 425 2255.
      • The accompanying member has to then fax the pre-authorisation form to 1800 425 5522 (toll-free) or 044 28302200 (non toll-free).

    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.

    Documents required for a cashless claim settlement

    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:

    • Policy health card.
    • Pre-authorisation claim form that has been self-attested by the insured person.
    • Consultation papers of the doctor.
    • Investigation reports such as X-Ray, scans, and blood reports.
    • Pharmacy invoices.
    • FIR in the case of accidents.
    • Discharge summary.
    • Other relevant documents as requested by Star Health Insurance or the network hospital.

    Terms and Conditions of the Insurer

    • If the insured party has provided any untrue information about him or herself, the insurance company can cancel the policy in question at any point of time without the need to give any due explanation or compensation. Also, suitable action may be taken and this is at the discretion of the insurance company
    • If any of the necessary details are not filled in the claim form, the application will be considered null and void
    • If claims are not made within 30 days of hospitalization, they will not be processed

    News About Star Health Insurance - Compare plans, reviews & renew online

    • WestBridge acquires Star Health Insurance

      With the health insurance sector in the country slowly picking up the pace and much of the need for such insurance products being promoted by the Ayushman Bharat scheme, which is now the world’s largest healthcare scheme, Westbridge has made a move that has now made them majority stakeholders in Star Health and Allied Insurance Company. The Fair trade regulator, CCI, announced that they have approved of WestBridge’s acquisition, which will see the company owning 90% of the stakes in Star Health and Allied Insurance Company. Star Health and Allied Insurance Company is currently one of the leading health insurers in the country with 400 plus branches and 8,500 plus network hospitals spread across the country.

      8 April 2019

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