Star Health Insurance - Compare plans, reviews & renew online

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 Highlights_{Updated on 27 Sep 2023}

 

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

*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.1 crore

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
Sum insured	Rs.1.5 lakh to Rs.15 crores
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	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

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	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

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